davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (CA)

I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (WA)

Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.
Consumer complaint received 2022-08-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

i reviewed my consumer reports and noticed and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (NY)

I was a XXXX XXXX XXXX at the time, under XXXX, without a job when I received the XXXX ( {$400.00} ) and Apple Card ( XXXX ). I have XXXX XXXX XXXX, and suffer from XXXX. At the time had been experiencing a XXXX XXXX where I spent unnecessary money and could not help myself, this was especially apparent with the Apple Card. There is another card ; Wayfair ( XXXX ), with XXXX XXXX  that I can not pay. 

During the pandemic, starting in XXXX, they made efforts to stop the accruing of interest. Although I expressed to them multiple times that this was a debt I could not pay as I was a XXXX XXXX, without a job. They gave me the contact information for XXXX, a debt consolidation program. Hopeful, I signed up with them, only for XXXX to inform me that Apple does not participate in this program. XXXX has not heard from XXXX at all, so whether or not they participate is unknown. 

I am XXXX years old currently, and my mother has been assisting me with the payments, completely. I am unemployed, unable to work due to the XXXX XXXX and working with XXXX XXXX professionals to receive social security benefits. My condition has hindered me in multiple ways, even preventing me from attending school this year.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

XXXX XXXX sold a loan that had been paid off for years to Firstmark services. They threatened to report my account to the credit bureaus if I didn't pay and will not send me any documentation pertaining to the loan. Under this threat I had to pay off the loan immediately
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on Equifax and XXXX. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The True Identity website offered by Trans Union is supposed to allow you to lock and unlock your credit. However when you sign up they status is set to unable to activate. Then when calling into TransUnion you are asked to provide your SS # over and over again. I spent over an hour trying to get this taken care. I am told this is an internal issue. This company needs to be regulated actually disbanded they can not be trusted with peoples sensitive information. 
They claim that there is a fraud alert on my SS #. No one can tell me why or how that is? I keep getting transferred from person to person who seem to have one excuse after another but no answers. These are the people that manages my information and that creditors, employers, and insurance companies use to determine my worthiness, what a joke who is monitoring the worthiness of the credit bureau.
Consumer complaint received 2020-11-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Dear, CFPB attached is a face copy of page 1 and page 2 from the United State Court XXXX XXXX of Florida. I need your assistance with case number XXXX, this court order written on XXXX XXXX stating that a response to the above case number within 20 days from the last defendant responds to the complaint, but when I called the court today they said it is 14 days to respond. Please respond to the above court case number with your counsel team. Thank you so very much.
Consumer complaint received 2020-07-19
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: EQUIFAX, INC. (TX)

I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

I am unable to access my Equifax report, through Equifax directly or any other third party, it states error. This has happened to me numerous times. I believe I have what is a split file with equifax. I have contacted them on several occasions and they claim I have to pay for my report to be fixed which is a lie. They are extremely hard to understand and it has happened several times. Now i am unable to get a mortgage because I have no report or score.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have the 'automatic monthly payment ' on my mortgage through my Bank of America account for the XXXX of every month. For the month of XXXX, I made a one-time payment date change to XXXX XXXX so I can make two additional deposits to cover the check. I made this change on XXXX XXXX online through my account 's website on BofA and it was confirmed on the site. ( The first deposit of {$1500.00} was made on the XXXX of XXXX and the final deposit on the XXXX of XXXX for {$800.00}. I already had {$340.00} in addition. ) However, the bank ignored my request and went to withdraw the funds on XXXX XXXX instead, when they were NOT supposed to do so. 

Guess what?! I 'incurred ' an overdraft fee and to make matters worse, they did not make the mortgage payment until the XXXX which incurred an extra {$35.00} fee and a returned check fee of another {$35.00}! Both check deposits were from my personal account at another bank. 

I feel Bank of America did this deliberately to add the unnecessary fees to my account. I know this because they immediately tried to get me to buy overdraft protection! 

I want all of these unnecessary fees returned to me immediately! I am very angry about being charged and solicited for business after they unnecessarily charged me.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

PORTFOLIO RECOVERY has been informed of the police report. Fraud and identity theft occurred under my name. They continue to report to credit reporting agencies violating the rules under section 623 FCRA as the data furnisher is legally required to provide 100 % accurate information in order to report any data under anyone name. They haven't provided 100 % accuracy and continue to verify to the credit bureaus a debt that was involved in fraud and identity theft. 


Police report - # XXXX can be retrieved by the furnisher from the XXXX.
Consumer complaint received 2022-08-12
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. (GA)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX and XXXX fraudulently report Experian, XXXX, XXXX and NYS XXXX XXXX. Experian, XXXX and XXXX continue the fraud. Please refer to attachment.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that " there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their accounts.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NY)

in the past synchrony bank care credit was made to repair repeated wrongful credit reporting ... now they keep raising the balance on my closed account that i am paying off with no valid reason..they also refuse to delete my bank information
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Bay Equity LLC (CA)

In XX/XX/2017, I purchased my current home through Bay Equity home loans. I was assured at the time of purchase, that all taxes and Melo Roos were impounded. After a year of having the loan, I received a letter from my current mortgage company stating a shortage in escrow. I went over my loan documents and found out that my Melo Roos were never impounded, as stated. I then contacted Bay Equity home loans. They acknowledged the mistake and offered to fix the escrow shortage ... Which they did. Then I was promised they would refinance my loan free of charge to correct the mistake that was made on their behalf because they didnt want a bad loan on their company. After providing all the necessary information that was requested, I was informed that they couldnt do the loan because of my debit to income ratio. I was assured that this problem would be fixed and they said it was nothing they could do. The only thing that I want was the original loan agreement that my contract states. I feel that its unfair to me that they left out the Melo Roos, so I would qualify for the loan with out my knowledge. If possible can you please provide information on who should I contact to resolve this matter. 

Thank you
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last 4 of my social and birthday being invalid for XXXX. 
XXXX was contacted, no valid solution was given.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

To whom it may concern, We have a retail store in XXXX Ohio, and we had a client, a XXXX  holder, who came into he store, purchased a few expensive items, the store manager, asked him to show his ID so it matches the credit card, and that was what he did, we have the pictures as well as the security cameras, to show proof of proper identification., after a few weeks, we were shown a chargeback on the chase business merchant account, we contacted the bank, chase merchant customer service, they asked to send copy of the screenshots and the receipt along with the customer 's signature, and that was exactly what we did. 
The merchant sent all the evidence, and they rejected it and took the money awat from us, which definitely is outrageous, as we did everything in our power to make sure we identify the client, we lost super expensive merchandise as well as the money is not in the bank, chase XXXX customer service said to hire an attorney??? 
We ask for your help, we are puzzled and have no idea who else to turn to, and what to do here. 
The name of the store is XXXX XXXX XXXX XXXX XXXX XXXX Ohio. Merchant account id # XXXX
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}
Consumer complaint received 2021-08-18
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: Navient Solutions, LLC. (WA)

1. Navient is my student loan servicer. 

2. They are reporting my student loan status to XXXX and XXXX as " Paid or paying as agreed. '' which is correct BUT to XXXX as " Was delinquent 180 days or more past due date. '' which is NOT correct!

3. I wrote Navient in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX  XXXX. It is not responsive to my request. 

4. I wrote XXXX to dispute the incorrect information. They responded saying that Navient has confirmed the entry.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2020, @ XXXX XXXX I checked my XXXX  account and noticed my credit score dropped 92 points due to an account being placed in collections. I called XXXX the next morning ( XX/XX/2020, XXXX ; XXXX XXXX  ) reporting the account and creditor as fraudulent. I've never been to any doctor or hospital at all. I was never aware of the debt it was just placed on my credit report. I take my credit very seriously so I always check my report to make sure incidents like this don't happen. I've been in this situation before. 

This debt is not mine. I have the right to challenge any and everything that is placed on my credit report. I need this taken off ASAP. This is hurting my score and my character.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Since submitting notice of TRANSUNIONS Gramm-Leach-Bliley Act ( GLBA ) violations against my consumer report, totaling more than XXXX errors, TRANSUNION has denied me access to my report for daily, weekly and monthly monitoring and is continuing to violate my consumer report, I have reported this crime to CFPB on multiple occasions, however my access to my consumer report is continuing to be denied and TRANSUNION is continuing to XXXX and XXXX their management of my profile and are forcing a XXXX day response time per the last notice received.