davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CA)

Back in XXXX I had inquired aabout an ipad from a random electronic shop i saw on an ad ; I am not disputing the actual existence of the transaction. I dont know what other language to explain to these people that i NEVER RECIEVED THE ITEM. Sender first didnt hand the package over the XXXX on time, so it was received by XXXX 2 days after he promised he'd send it, finally got to XXXXXXXX XXXX hands their delivery dates kept changing after I would wait for it alllllll day ; long story short took the whole week off work because i didnt want to lose an expensive item. XXXX  somehow misplaced the item while in transit, I finally called the shop I said cancel it I dont want it. He said " I will try but because its in their hands now wed have to wait until they dont bring it and itll " EVENTUALLY '' get back in our hands, never heard from them again until collections notice. I just spent over {$4000.00} cleaning my credit from all past negative items I will NOT allow myself to be penalized over. I keep disouting but nobody seems to want ti k
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have no knowledge of this account and this account was open in fraudulent intention I contacted credit acceptance about this matter and credit acceptance did not know where the car is located and told me little to nothing about this situation to help me in this matter no documents was sent to me and no car was found its been on going issues for a while now.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I refer to the CONDITIONAL ACCEPTANCE, and XXXX XXXX XXXX  package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original XXXX XXXX contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to the following : 1.  XXXX XXXX, and XXXX XXXX XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2019 my card was declined at local store. I tried to log into App several times on my phone but it said error wrong password. I then called number on back of card. I made 40 calls, they hung up on me saying call back with correct security information. One rep mentioned my account was froze due to my failed attempts to login to app. XX/XX/2019 i made multiple calls again. They claimed to have difficulty verifying my identity. I explained I had not made any changes to my account since I opened several years past. Finally a rep was able to verify my ID by calling me while i was on hold with her, i answered the call waiting, proving my ID. She assured me my account was frozen and a card was being sent to me. Instructed me to activate upon arrival and then I could access account. I declined the {$20.00} rush shipping charge, regretfully, waited the expected 10 days. But no card came. XX/XX/2019 I called and they said account was at {$0.00} balance and closed, said I had to write a letter explaining problem and gave me a address in XXXX, GA to mail it to. XX/XX/2019 I mailed a notarized letter. I tracked it, they received letter XX/XX/2019. I have not had any response or access to my account yet. XX/XX/2019 called still no resolve. XX/XX/2019 still no response. XX/XX/2019 I filed a FTC ID theft report. I mailed it with notice of Unauthorized Use of Debit card on XX/XX/2019 I included copies of previous letter, prior shipping receipt, copy from notary, copy of my CA ID and bank card to prove i have in my possession. No response still. I had over {$7000.00} in account when i last was able to accessed XX/XX/2019. My payroll and tax return have been direct deposited for years. I have been waking with a headache for weeks. Please help. As if the hardship isn't enough. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX credit reporting has violated my privacy and rights, however they are reporting on my personal information ( court records ) which is wrong on what they are reporting Ive called the XXXX XXXX XXXX XXXX they have stated to me that they do not give any information about personal information or records, XXXX has not contacted me at all about this misinformation that they are reporting on my credit report ( court records ).
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report XXXX # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.
Consumer complaint received 2024-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (IL)

Self Financial/Lead Bank has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Self Financial/Lead Bank in the past or present, If Self Financial/Lead Bank feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Self Financial/Lead Bank can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I have tried to contact Experian several times to make a dispute and its still not showing as disputed. 
XXXX XXXX XXXX  makes the false claim I owe {$240.00}. 
I do not owe them any money. They actually owe me money and I had a credit, this is all illegal fees. 
The problem is that this is a conflict of interest because I got this card off the experian app. Now Experian wont remove it or help me.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2021 I had XXXX in account ending in XXXX deposited by TN XXXX. Of Unemployment. I checked my account about XXXX. And all of my money was gone! It was gone because someone in the legal department that was not knowledgeable about the law, gave my XXXX money to an attorney which was XXXX XXXX Firm on a XXXX XXXX XXXX garnishment. The law is supposed to protect any government money unless child support is owed. When I called Suntrust the money was pending. I said Please dont give my rent money away, wait until tomorrow, put a hold on it, freeze it. I spoke to no less than 7 people. Most of the customer service people were not in the XXXX. I knew my money was going to be gone in the morning. No one even tried to find out the truth that they should have known or reach out to anyone. I feel that after the money was gone because someone in legal let it slip through the cracks no one wanted to be liable. I sent emails and everything and havent heard from anyone yet. Finally they told me to get an attorney and get my money back. I said you act like you work for them instead of me! Thats my rent. All they kept saying was that scripted sorry! I didnt want to hear that1. /they need retraining. Then they kept saying call that number and get the money back. I said they are the enemy, they want my money! And I am so surprised that no one knew out of 7 people what is supposed to happen when a garnishment comes to the legal department. First it has to be answered which means determined if it can be legitimately placed on the account, but you dont just blindly give out other peoples money. the other thing they did was they gave ALL of my money to them instead of a portion. I dont think that is legal even if it was legal to obtain the money. Next they should have looked at the funding coming into the account. If they had done that the garnishment should have been returned to the law office as not serviceable due to Unemployment going into that account only. the check had just come. No one at suntrust stood up for me or said I was right because they knew a mistake had been made but they could not afford to let me know. I called in time enough for it to be stopped and they would not even do that. Whomever placed that on my account needs firing. What about everyone else? How many times is this being done to people who have federal funds? People who cant or dont speak up? When I looked and saw that Suntrust gets a fee of {$100.00} I see why because I could not see why they would turn against me their own customer for a creditor. If they do this to a million people look how much money they will have! My rent is gone and it was already short. Now I have nothing1
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these  bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

On several occasions over the past year I have attempted to reach out to Chase to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. During this time company failed to receive a pay off for my primary vehicle. This resulted in a series of negative credit reports which were inaccurate and a threat to repossess my vehicle which I owned out right. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report again when I suffered covid a second time and have begun harassing me with calls 2 to 3 times per day. Call ceased at my request when I notified them of my intent to file a complaint.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Name XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer XXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
COMENITYCAPITALXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmNet ESOP Corporation (GA)

I signed an initial LE that was correct except for it had me paying 25 % down instead of 20 %. The LE had a rate if 3.625 % with 200 in points. Lender and I discussed this change and he asked me to sign and he would fix later. It was communicated to the lender that the closing date would be XX/XX/XXXX. It is in writing at least 3 times. I followed up with the lender multiple times up until closing and was told everything was OK. Less than 24 hours before closing I was told I would not be closing and they needed more documents. New closing date is XX/XX/XXXX. On XX/XX/XXXX I received the LE in preparation for closing. It was 20 % down, 3.625 % rate and points was now XXXX. I went back to the lender on XX/XX/XXXX to discuss this discrepancy and no response that day. I was never informed of the change. The next day I contacted the lender again. I was told either I needed to pay that or to make the points better pay 25 % down. He was supposed to talk to his leadership and stopped responding to me, so I asked my husband to call him from an XXXX XXXX. During that call he tried to convince my husband to sign the LE. Loan officers actions were DECEPTIVE. I cancelled the loan due to the lenders deceptive practices. Because i did not sign the LE, i was gauranteed to again miss my closing date. I repeatedly and through many channels asked for help from leadership and never received help.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OR)

XX/XX/2020 Account locked for identity verification Sent in ID Card and XXXX XX/XX/2020 Still locked, asked for social security card. 
faxed social security card XX/XX/2020 Still locked faxed social security card id and XXXX both sides I have verified my identity and I can not get my account unlocked I need my unemployment money to pay rent and am very worried I will be homeless because of this.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (KS)

On XXXX XXXX, 2021 I was alerted by XXXX that IC Systems Inc reported a collections account XXXX for {$350.00}. This is not my account and IC Systems Inc has never contacted me about this fraudulent account. I am a victim of identity theft. IC Systems Inc has had this account since XXXX 2021 and has never contacted me about account. Their tactics clearly violates my consumer rights to contest this fraudulent account.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

I have a commercial business card with my XXXX that is used for travel ( J.P. Morgan Chase ). On XX/XX/XXXX the university business office associate who handles processing of charges on these cards emailed me regarding unreconciled charges on my card of {$1300.00} CAD from XXXX XXXX and an international transaction fee of {$10.00} USD - these charges were from XX/XX/XXXX. 

These were fraudulent charges from an XXXX national purchasing a ticket from XXXX XXXX to XXXX. His name and passport information were included in the ticket, and the ticket number was on the credit card statement. The individual 's name and information were confirmed with a call to XXXX XXXX referencing the ticket number ( confirming that the charge was not from me ). I promptly called JP Morgan/Chase fraud department and reported it, but the time frame of catching the fraudulent charge was outside of their window and thus I filed a police report with our local jurisdiction, which was investigated and handed over to the FBI as the individual who used my card as fraud was an XXXX national and not a US citizen. They have assured me that we will not hear back from the FBI regarding the case, and that it is out of local police 's hands. 

I have since then been pressured by my university and the bank to pay, out of my own pocket, this charge. I believe I am entitled to an investigation as the evidence is very, very clear who the perpetrator was, down to his passport information. This was n't just a credit card charge to a random website, but was from an established airline with a clear ticket number that was not from me. 

If the CFPB can do anything to help me, I would be greatly appreciative.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, Experian and XXXX.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I have tryed many times applying for XXXX XXXX and each time I'm told it can not be done because in XXXX this modification was extended to 40yrs int at 4.5 with rates at there lowest now I don't understand lm 13 payments behind I have exhausted trying over and over with this investor with a modification I can get on track stay current and refinance my problem started with my husband who passed XX/XX/XXXX it was the covid his medical state and side work being unable to make side cash I have a I'll daughter and XXXX grandkids who live with me also my social security was cut due to my husbands death we will be homeless can you help pls.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Checking my report today and I noticed items posted that I find to be inaccurate I never gave anyone my consent to open anything or inquire about these items that post inaccurate on my report please help me I work very hard for things I have and I dont need this on my account slowing me down.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

On XXXX/XXXX/2016 I opened a Sears charge with citiusa, I bought my merchandise and received the card 2 weeks later. Set up online account. Logged in to pay bill had a " call there is an issue with account '' Fraud alert spoke with Fraud department. XXXX/XXXX/16 they pulled credit report without permission. Again on XXXX & XXXX called about " Fraud alerts '' on account due to messages on the account called again and both times they have inquired on my credit AGAIN W/O permission!