davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (NC)

XXXX at XXXX Tried to place a security freeze and was denied. 

XXXX XXXXXXXX XXXX called Experian and no one was available to respond and only reached an automated bot that led to nowhere. 

Experian is being unreasonable and creating a hardship with placing or lifting a security freeze. 

Requiring customers to provide a copy of the ID and a copy of a bill to be mailed to Experian. 

No consideration that customers don't have a copier and printer at home. Also expects customers to pay postage for a service that could have been completed online or through phone. 

Refusing to place or lift a security freeze without going through an arduous process.
Consumer complaint received 2023-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I entered the CARES act mortgage forbearance due to a covid-related hiatus in my job. I only entered this agreement, via the loan servicer XXXX XXXX, regarding a Nationstar Mortgage, because XXXX assured me that there would be no modifications to the terms of my loan ; they assured me that the missing payments would be added to the end of the loan ( as was widely reported and understood ), without any adjustments to interest rate, repayment period, or total amount paid back to the loan. This was an " interest-free forbearance. '' However, Nationstar changed servicers to Mr Cooper ( for some reason ), and when I tried to exit the CARES act in XXXX and XXXX, I was forced through awkward options on an app, assured that the paperwork was in the mail, and then when I received it ( having no idea what the app was trying to force me into ), I noticed that Nationstar was trying to refinance my mortgage to a much higher interest rate. I never requested this ( knowingly ) and this is certainly not what Nationstar 's servicer had promised me when entering into the CARES act. Had I known I was going to be pressured into something like this, I never would have entered the program in the first place. Now I am being threatened to either enter this program ( which will cost me {$90000.00} over the life of the loan ) or to pay the lump sum immediately. Otherwise my credit and that of my elderly mother cosigner will be negatively effected, without notice. I don't understand why Nationstar is not adhering to the program that they assured me I was entering into, but now I am between a rock and a hard place, having my family threatened, with no viable solution forward ; least of all the solution that I agreed to. I would also be willing to enter some sort of payment program, but they insist there are no such options and I don't have much flexibility after the hiatus in work. Now I have been making good faith payments for three months, beyond the minimum, but Mr. Cooper says they will not accept any further payments unless I repay the lump sum forbearance amount in full. Is CFPB just sitting by, allowing millions of people to be robbed by this program that was meant to help us?
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. 
Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL CREDIT UNION reflects a billing error. The payment coupon sent to me shows a positive amount being owed to me. The payment coupon shows a credit balance of {$20000.00} and available credit of {$4300.00}.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IA)

Credit Acceptance Corp has continually garnished my wages in the full amount for a vehicle they repossessed and resold. I have filed motion after motion to quash and arrange a payment agreement only to have them not provide me the info to make the payments and subsequently refile the garnishment. This loan was from XXXX yrs ago or more and I have tried to work with them.
Consumer complaint received 2021-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (CA)

I received an email XX/XX/20 from some person by the name of XXXX XXXX, stating that after receiving this email there will be legal actions with a warrant out for my arrest and they will be picking me up from my home and taking me into custody. Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX am as per your State Standard Time I did try reaching out to this person by calling serval times and did leave a voicemail message but no luck or a return call I also email them and he finally responded back to me at XXXX with again stating with the amount I owe of {$980.00} and with 317.5 %, principal amount, attorney charges late penalty, paperwork and late fees. 
Kindly call on to settle this matter or provide your best number to reach you at as the issue at hand is extremely time sensitive. Your case file is getting merge to be downloaded right now then after it will be proceeded inside the court and you got ta find your self in a big legal mess by getting picked up from your home and work so before you face any kind of legal consequences i want to you to call me back and resolve this matter. I am waiting. 
This is part of the other email he sent to me and now there is 2 different phone number.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

COMENITYBANK/NY & CO Credut card was opened fraudulently using my personal information. This was not authorized by me. 

I was out of the country from XX/XX/XXXX to XXXX of XXXX. 

See attached FTC affidavit of identity theft.
Consumer complaint received 2019-05-31
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. (NJ)

Enclosed is a letter directly from XXXX providing proof that there is a zero balance and the account in the amount of {$1100.00} was paid in full in XXXX. Please update my XXXX XXXX  acct # XXXX to a XXXX balance and as paid in full immediately.
Consumer complaint received 2021-04-05
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX  responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation (FL)

On XXXX/XXXX/XXXX at XXXX am, my co-worker said I had a call and the persons name was XXXX XXXX. I spoke with the person and she informed me that she is a debt collector for My Quick Wallet. I explained to not call me at work and she said that if I responded back to the calls she would n't have to call me at work. I hung up, she then called me back XXXX more times at work in a row. I called My Quick Wallet and asked if this normal steps to collect a debt. He said yes and that she was not doing anything wrong and she was following the proper steps to collect a debt. So I got no where with the company.
Consumer complaint received 2021-05-24
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. (IL)

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 148 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OR)

I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.
Consumer complaint received 2020-12-08
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. (FL)

On XX/XX/2020 I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an Equifax Data Breach. I demand to delete those accounts or I will file litigation.
Consumer complaint received 2020-05-30
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. (NY)

I am writing due to an act of non compliance with credit reporting agency, Experian, I strongly believe that they are in violation of the FCRA due to deletion of XXXX XXXX  account and reinsertion without providing written notification as required. 
On XX/XX/2020 Experian deleted XXXX XXXX  account from my personal credit file when disputed for inaccuracies. This deletion took place 45 days after they received my initial dispute letter via certified mail. Experian re-inserted and updated this XXXX XXXX  account on XX/XX/2020. Experian did not and still has not provided written notice for this reinsertion as it is required by the FCRA. 
On XX/XX/2020 Experian sent a series of electronic notices mentioning this same deleted account had a dispute opened and updated on that same day. I phoned Experian to explain that I did not resubmit new disputes for what was an already deleted account, Experian claimed these notices of the reinsertion was actually Experians own internal disputes. I have since mailed Experian an affidavit of facts pertaining to the reinsertion in attempts to avoid court proceedings for this illegal reinsertion.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/XXXX I attempted to open a checking account at Chase Bank at the XXXX Ohio Branch located on XXXX XXXX. I was allowed to open the account and make a {$25.00} deposit. A week later I attempted to make a deposit and was advised that my account was closed. The branch manager advised me that I was not able to open an account because of fraud and a past due balance on my account. My account was closed and I had to wait three weeks to receive my deposit. I did however, attempt to pay the balance but was turned down by the branch manager. 

Upon further investigation my account was closed in XX/XX/XXXX due to a negative balance. My account was never investigated for fraud. I never received any correspondence related to the closure of my account or a notice related to a charge off. 

On XX/XX/XXXX I contacted Chase to inquire about opening a new account. XXXX, the Loss Prevention representative who handled my call advised me that I was unable to reopen my account due to fraud. He advised me that I wrote a check on my account in XX/XX/XXXX which resulted in the check being returned. I disputed this and asked to speak to a manager. 

I spoke to XXXX who identified herself as a manager with Chase Bank NA. XXXX stated my account was not closed due to fraud. XXXX stated my account was closed because of a negative balance that resulted in a charge off. XXXX also stated there was a check written for {$400.00} that was returned but it was not determined to be fraud. XXXX reassured me that fraud was never a reason nor should it have been mentioned for the reason Chase Bank NA closed my account and ended its relationship with me. XXXX stated Chase Bank decided to restrict my account and not do business with me. 

I requested a letter from Chase Bank NA explaining why my account was closed and was denied. XXXX stated she could not provide me with the letter. 

I requested a copy of the {$400.00} check that was returned on my account and was denied. 

I requested an explanation as to why I am not permitted to do business with Chase Bank NA and was denied.

I was advised that Chase Bank NA was exercising its right to not do business with me. 

Chase Bank NA has denied me the opportunity to reconcile my relationship and restore my relationship with the bank. 

Consumers should be given an opportunity to restore their relationship with a major bank. 

Chase Bank NA is engaged in defined, deliberate actions against XXXX American and other vulnerable consumers who traditionally are blocked from doing business with major banks.
Consumer complaint received 2018-06-14
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. (FL)

I contact the credit breau transunion and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date is XX/XX/2018
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband had me to go to ATM with him and told me he had to go in for me to pull the cash then told bank that he didn't get his money and I found out that he said someone stole it to get money back XX/XX/XXXXand that is wrong ... I XXXX XXXX also found out that hey bank account closed by telling bank he did not give three checks to put in bank but he knew that he did not tell truth.. bank of America has given him the money twice that I know of now.. I didn't know that he was telling lies until now but I'm in middle of it so start spying on him and his bank accounts and found out that I am right. He is doing fraud by checks and also has my account flagged now I can't get a bank and just started my own online XXXX XXXX and need a bank and him to stop stealing money his name is XXXX XXXXXX/XX/XXXXas number XXXX
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-09-18
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. (MO)

I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX16 resulting in a lower credit score. I did not apply for credit. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

Transunion searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want XXXX and Transunion to do the same. I want XXXX investigation as to why they pulled my credit report.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Earlier this year, I purchased two XXXX XXXX tickets, which I initially mistakenly disputed with Chase. I called Chase right away. They said they were going to stop this dispute from reaching XXXX XXXX so that I dont lose my reservations, and that they would rebill me for the initial dispute credit that was automatically given to my account. 
A few weeks after this happened, XXXX XXXX canceled my flight reservation. I called the airline, and they told me that Chase requested the money back, and they processed the cancelation. 
I called Chase, and they told me they didnt have that money. I then went back to XXXX, and they were kind enough to research the charges with their accounting team, confirming that money was sent back to Chase upon their request. 
Since then, Ive reopened the case many times and spent a lot of time with Chase without a resolution. XXXX XXXX confirmed they sent money back to Chase and has never gotten the rebill amount, but Chase wont credit the {$380.00} back to my account. 
I lost my reservation due to Chases mistake, and in my latest conversation, Chase told me that if I had a problem with those charges, to handwrite a letter to the Executive Office at Chase. 
I am writing today to CFBP begging for help with resolving this situation. I am in a vicious circle where Chase is not responding to my inquiries anymore, XXXX confirmed they dont have that money to credit me back, and I spend time on the phone with people from Chase who arent willing to help me. 
I dont have a way to access the transactions and see where the money is and to get it refunded, and I hope CFBP can help me.