davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (PA)

Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (CA)

I purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. 

I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement.

Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. 
That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. 

Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. 

I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

This is continuation to the first complaint made about Community Loan Servicing. There are still payments that have not been applied to my loan. My online account has also been blocked and I am no longer able to make payments online toward the principal since XX/XX/XXXX. I tried contacting XXXX XXXX and he has not responded. I spoke to one of the customer service representatives and they were very helpful and trying to get my questions answered. Issues to be resolved. 

1. Still showing applied principal payments 2. Not able to make any payments online on my account 3. Requested Amortization Table with current scenario. 

Please advise! 
. 


visit www.communityloanservicingcares.com. 

public-header-image-one Header Payments Documents Request for Assistance Help Profile Log Out Make a Payment Auto Pay Payment History Manage Accounts Unable to make a payment Sorry, currently you are unable to make an online payment. Please contact Customer Relations at XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hello My husband had opened an account through citibank last XXXX 2022, we were able to open the account with no issue, i was able to do a deposit with no problem and I did set up that account for may payroll. And then a few days after I received a notification saying that my account will be closed without further notice, I have been calling them ever since, they keep calling me that our account is on a process of being closed and that we have to wait until it's done and they will automatically send me my funds to the mail once it was over, I have been following up to them ever since, they haven't notified me or anything in regards the issue, I have atleast {$1900.00} in that account and now they are not giving me my money back. I almost lost my house because of them not releasing my money, I tried the best I can to resolve the issue. But they can't even give me a proper explanation on why are they not giving me my money.
Consumer complaint received 2017-12-23
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: EQUIFAX, INC. (PA)

Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit 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: Prosper Marketplace, Inc. (AZ)

I opened a dispute for unauthorized charges on my credit card several days ago. My previous card was shut off with a new one shipped to me, however I havent been credited for the amount lost due to fraud. Prosper representatives have not given me any information about when I can expect the credits. It seems they are trying to hold me responsible for charges I didnt make, despite having a zero liability guarantee. 

I need the amount of these transactions to be credited back to my card so I dont have to pay for fraudulent charges when my statement closes in approximately one week.
Consumer complaint received 2021-07-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

Fams called me multiple times without my written consent, they also didnt disclose who they were. They didnt provide verification of the alleged debt from XXXX and they passed the statue of limitations in NY. They manipulated me and used threatening language to collect the debt. I was scared and almost paid my last to have them stop collections. I wasnt aware I had the ability to dispute the debt or they had to provide verification of debt. As a Consumer I want to exercise my rights under the Federal laws.
Consumer complaint received 2021-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX  california car dealership to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX  and XXXX. Below  are the companies that accessed my credit report that need to be removed. 

XXXX  : XXXX- XXXX : Capital One XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (LA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide any proof of evidence..CFPB please delete the accounts  XXXX  XXXX XXXX**, (Original Creditor: ) XXXX** , XXXX  XXXX XXXX**
Consumer complaint received 2019-08-20
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. (LA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX XXXX  DEPTEDXXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Benefit Claim Number: XXXX-XXXX On XX/XX/2019 I received a denial letter for lost luggage reimbursement claim # XXXX-XXXX. The denial reason for the claim states that the carrier was not notified immediately following the loss as required, under the lost luggage program.The Chase Credit Card Benefit Guide clearly states “Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible”.  This requirement was met as well. This claim was unreasonably denied in bad faith to avoid making payment for an eligible claim under the Chase Credit Card Benefits policy.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

REGIONS  LOANS  VS XXXX   FAMILY  :ON  XX/XX/2019  REGIONS  LOAN REFUSE TO FOLLOW THE REGULATIONS IN HOME LOANS   WE  PAY  ALL PRINCIPAL  AND  INTEREST  UNTIL XX/XX/2019 BUT  REGIONS  REFUSE  TO CANCEL  THE  PRE PAYMENT FOR  ESCROW  FROM  XX/XX/2019  LAST WEEK  THE  FILE  A NOTICE OF  LIES PENDENS  WITH OUT ANY  NOTIFICATON  OR HELP  .AGAIN  WE  PAY  ALL PRINCIPAL AND  INTREST PLUS  ESCROW  UNTIL  XX/XX/2019   -  WHY  REGIONS WANT  US  TO  LOSE THE  HOUSE  FOR  NOT  PRE PAYMENT  IN  THE NEW  ESCROW ACCOUNT  - WE  TALK TO  THE  INSURANCE  COMPANY AND  XXXX XXXX  TAX  AND THEY  OFFER A  BETTER PAYMENT PLAN   .PLEASE  INVESTIGATE WHAT HAPPEN !   REGIONS  VILOATE  ALL THIS  REGULATIONS  .Restricted Dual-Tracking: Dual-tracking – when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure – is restricted. The practice has hurt many consumers who thought they were working out a resolution with their banks and were shocked to learn of a scheduled foreclosure sale. Under the new rules:• Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Early Notice When in Trouble: Servicers must include information about delinquency in a borrower’s monthly statement after the borrower misses two consecutive payments. This information must include the date the borrower became delinquent, the amount required to bring the loan current, and the risks of failing to do so.Notification of Foreclosure Alternatives: Servicers must reach out to borrowers who have missed two consecutive payments. Specifically:• Servicers must provide in the written notice examples of “loss mitigation” options, which may be available to avoid foreclosure. These options could include changing the interest rate, extending the terms of the loan, deferring or forgiving principal, or coming up with some other alternative payment plan.• Servicers must include information about housing counseling in the written notice.
Consumer complaint received 2021-01-06
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: Sequium Asset Solutions, LLC (VA)

This company sent me a debt collection letter ( see attached ) in XX/XX/XXXX ( letter dated XX/XX/XXXX ). I have never heard from this company or the company they claim to be working for ( XXXX XXXX ). I have been a XXXX XXXX customer since my days in the military ( XXXX ). I do not recognize this debt. I contacted my attorney about this, and she recommended to send the company a debt validation letter. We sent the debt validation letter ( see attached ) on XX/XX/XXXX. This was sent via certified mail and we have confirmed that the correspondence was received on XX/XX/XXXX. As of today, XX/XX/XXXX, we have not received any correspondence or debt validation documentation from Sequium.

Even though Sequium did not validate the debt, they still went ahead and reported this incorrect information to the three Credit reporting Bureaus. According to my credit report ( see attached XXXX  and XXXX ), the information was reported to the credit Bureaus on XX/XX/XXXX. The company claimed to provide me 30 days to request debt validation before they reported to the credit reporting agencies, they still went ahead and reported the incorrect information to the Bureaus. My credit scored dropped over 80 points and now I can not access needed credit or refinance my house. As of XX/XX/XXXX the company is still reporting incorrect information. This company 's actions are unfair and abusive, and they are not complying with the Fair Credit Reporting Act. 

I would like them to be held accountable. They must cease and desist these unfair and abusive practices. It appears that they are doing this to many other consumers out there.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AR)

So, in the past week I have tried to apply on my XXXX  for an XXXX   XXXX. I have repeatedly been told that ID is required and, subsequently, that my XXXX driver's license did not "verify photo id" to the satisfaction of Goldman Sachs.I have been using XXXX XXXX and making purchases on my XXXX for over a decade while living at this same address with an in-state driver's license.
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below are the lists of the late accounts that need to be updated and corrected immediately : FEDLOAN-XXXX-Balance {$7400.00} FEDLOAN-XXXX-Balance {$4200.00}
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AZ)

I have been a customer with the Victoria 's Secret credit card for about fifteen years. I called to ask for a late fee to be waived but they refused. Both the customer service representative : XXXX, and the account supervisor XXXX said that I was not eligible because they only waive them once every 18 months. 

I explained my situation to them, which is as follows : I have been XXXX XXXX XXXX and have missed work. Furthermore, my payroll has not been adjusted so that I can receive COVID-19 pay. 

I would like to know why after fifteen years as a loyal customer, this bank can not and will not waive a late fee so that I can catch up? This policy of once every 18 months is not a one size fits all, particularly during these incredibly difficult times.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation. 

I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

I was applying for a bank loan and discovered that a credit card had been issued through Chase Bank ending in XXXX on XX/XX/XXXX using my social security number XXXX XXXX address, but the numerical portion of my street address is off by XXXX number ( the bank would not tell me the street address ). The card has a balance of {$4600.00} and the last payment was made in XX/XX/XXXX. I called Chase Bank and reported the fraud, asking that they cancel the card. I called all three credit reporting agencies reporting the fraud and placing a one year fraud alert. I want to find the neighbor who has done this, report them to the authorities and press charges. Most importantly I want to know that this person does not use my personal information for any additional fraudulent activity.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I called into Navy Federal on XX/XX/XXXX to pay my balance in full on my credit card ending in XXXX because the due date is XX/XX/XXXX and I wanted the card to report paid in full to have a positive impact on my score. The representative informed me if I did so it would be because it would report on the due date and Federal Trade Commission would be closed over the weekend and holiday so any transactions over the weekend would be reported and have an effect so I did and we made the adjustments to do so. I paid up the {$1000.00} balance and some to cover any over flow that was pending at the time. Over the weekend I use the card as I was advised doing so would not have an adverse affect because I clearly wanted to know on what day to pay on to and Navy Federal Credit Union would report my card to the credit bureau so I know on that day I could pay and the union would report as such. Well was misinformed or the credit union for what I see has clearly reported false information to the bureau because the balance was XXXX with a credit when I paid on that day. XX/XX/XXXX when I pulled my credit report Navy Federal Credit Union showed a balance update on XX/XX/2021 of {$300.00} and has refused to correct ever since and allow me to speak with the Vice President regarding to make the change.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.