davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (KS)

I was never notified that my the APR used for my credit card charges was increased. I kept on using the card thinking I still had the 14.49 % interest rate I had when I opened the card. It was only when I looked on the later pages of the card statement that my new purchases were being charged a higher interest rate. I asked for a reconsideration or lowering of the rate given that the national average was below the 20.49 % I was being charged with but I was told no and my account was being 'evaluated periodically '. Sure it is. Mainly to raise my rate after I have been paying my account on time since XXXX. 


Because I was wanting to pay down the balance on the higher interest rate, I asked twice through chat how my payments were applied toward my balances on the different APR tiers on my account ( I have three APR rates with three different balances ). I was told both times that it was applied first to my higher interest rate balance. Seeing that that wasn't the case, I asked the representative I opened the second chat with how my payments were applied to the balance that was subject to interest because it wasn't adding up for me. Representative couldn't explain so opened up a 'dispute '. 


An 'explanation ' letter was given which basically told me to look at the same statements that weren't adding up. 


" For your clarification and reference, we have sent you, under separate cover, copies of your XX/XX/XXXX through XX/XX/XXXX statements. 

Please be advised that payment ( s ) up to minimum amount due are applied to balances on the lower Annual Percentage rate ( APR ) portion and the remaining payment ( s ) will be applied towards the balances on the higher APR portion and then to lower APR portion. '' This time, I called customer service. I asked one more time are my payments being applied toward my higher APR balance. Once again, the representative answered yes. I asked the representative to read the letter that was sent to me. She then backtracked and said no, it's not applied to the higher interest rate. So I asked again how the balance that is subject to interest was computed. She said no one can answer you. I said you don't have an accounting department that can tell me how the balances are computed, she said no, we don't have an accounting department. What, Amex pulls figures out of thin air? She said no one can help you with that. What??? I'm just supposed to take the figures that are given to me and say ok that's right without knowing how the figures were computed?? She said it all adds up and then when I did try to get her to tell me how it adds up, she said I can't explain it to you, I'll open another dispute for you. So I can get the same generic letter? No thanks.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC (AL)

I am trying to purchase a car through Carvana. On XX/XX/XXXX made an ACH transfer for {$22000.00} for down payment on vehicle ( XXXX XXXX ) I later changed the vehicle, and intended the down payment to transfer to a different vehicle ( XXXX XXXX ) on XX/XX/XXXX but instead an additional down payment of {$22000.00} was drafted from my account as well as {$490.00} delivery fee. The XXXX was to be delivered on XX/XX/XXXX. I tried to receive a refund for one of the down payments, but XXXX said the payment is still pending. Then today on XX/XX/XXXX they canceled my order. So now I am out of {$44000.00} with no car coming. I just want my money back now.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery associates has not proved that the debt on my credit report is valid. After multiple attempts over the last several years and no response or information was ever given. I have asked for all the information regarding the account and the balances on the account. Never got a response when I did get a response it was we called you we reached out to you but I never have received any calls, emails, letters in the mail, and they have had all my correct contact information. They have not responded, about the debt not being valid.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (NY)

Elan debt was consolidated and paid in XXXX. When I was notified that the payment was paid to the wrong account it was 2 years later and hit my credit file. When I disputed the information I was credited with paying off the account in XXXX of XXXX and not XXXX of XXXX.
Consumer complaint received 2023-03-07
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: CCS Financial Services, Inc. (WI)

Initially, my issue was that XXXX did not post my payment after the policy cancellation. I can not do anything about that now, I looked back at my statements, and my check did not debit from my account, so I am unaware of where this payment went. I since paid it to XXXX when I was alerted to this fiasco. 

I previously corresponded with his company via my complaint through the XXXX. CCS ignored my statements in my complaint. They say they mailed me, yet I have not received any mail and only received notification of this collection via credit karma. How can I prove this company 's mail did not arrive to me? Why would I ignore a threatening collection if I have been working for YEARS to repair my credit? 

This account should have never been in collections! This situation is so completely maddening. Please, in good faith, remove this from my reports. I never received notifications, which alone is a violation, and this should have never been in the hands of this company.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brightwater Capital, LLC (FL)

I had a debt sold to Brightwater capital LLC. My debt has a lien on my car which I'm trying to resolve. I've called the original financial company XXXX XXXX and they xant help me. I've called and emailed numerous times and have had no reply. They don't answer phones or emails.
Consumer complaint received 2023-03-07
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: SYNCHRONY FINANCIAL (DC)

My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Consumer complaint received 2020-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

Lending Club sent my payment to an outsourced partner for collection after less than a month late. They sent this to their partner after multiple attempts to make a payment to my account. They have consistently messed up their processing. First saying that I can not make partial payments, then saying I can not make payments without signing up for auto-pay ( these are statements from their call center that I've learned to take with a grain of salt ) After attempting to pay the outsource partner, they admittedly forgot to process the payment. Lending Club added two months of non-payments to my credit report. Then, after finally begging lendingclub to accept my payments directly, my dispute only resulted in one month of non-payments being removed. 

Because of my exhaustion in working with such an incompetent company, I gave myself a break and said I will continue to pursue the removal in a few weeks. Last Friday I submitted a payment to my loan, and saw my online statement for the month 's status change to " processing-within grace period '' the money NEVER came out of my checking account AGAIN. So I went on the website, and I now incurred a late fee. I am Begging the CFPB to put an end to this nightmare and clear up the situation. How can our regulators allow this company to fail people time and time again? The worst part is that when I go to my online statement, my payment made in late XXXX is still in " processing '' status. This is a disgrace, I will not continue to be abused by proven preditory lenders.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am writing to file a complaint regarding an unauthorized third-party collection appearing on my credit report. I have no record or knowledge of the debt that this third party claims I owe. The collection agency has not provided any verification or validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and assist in having this illegal collection removed from my credit report. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC (GA)

I have had a loan with XXXX1st Associates over 4 years, and I have had issues since the beginning. I have paid my loan on time every month, and I have done so without autodraft. On XX/XX/XXXX, I submitted my payment 3 weeks early, and I noticed that another payment was drafted from my bank account on XX/XX/2020. I called on XX/XX/XXXX, and I was told that I had signed up for autodraft and that my payments would be taken on the XXXX of each month. I told the representative that I had never signed up for that, and, even if I had, I had already paid the payment for XX/XX/XXXX weeks early and they took another payment on the XXXX. I requested that the payment be reversed and returned, and I was told it would take up to 2 weeks. Still have received nothing, and I have contacted this company several times since. No reply. Last year, I sent in a total of 5 payments and asked that they be applied for the next 5 payments. I was told that was fine, then received a bill for the next month. When I called, they told me that they did not apply them the way I requested, and I was just out of luck. This has been the norm for them. I have emailed them and told them not to autodraft anything from my account. I am sure they will try, and when my bank refuses per my instructions, they will try to charge an returned check fee. I am paid ahead by 6 months, but they still try to take more. I can not even get a copy of my payment history and it is not available on their website. I have asked for that several times.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-03-07
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. (VA)

I used a Chase Visa card in XX/XX/2022 to rent a car from XXXX at the XXXX Airport. The rental car windshield suffered a stone chip on the highway that caused a crack in the windshield. XXXX charged me {$510.00} for the damage. My personal car insurance ( XXXX ) paid {$380.00} of the {$510.00} ( less a {$100.00} deductible and XXXX processing fee ). Visa is supposed to pay the remaining {$120.00} as part of their car rental benefit when using the Visa card. 

I have submitted extensive documentation to Eclaims, the Chase/Visa insurance processor, but they refuse to pay until I provide additional estimates of the repair costs. I have provided everything XXXX provided to me, which is the cost of the repair. 

While this is a small amount of money, I believe my experience may be typical for a very large number of consumers who are being abused by Eclaims/Chase and Visa. Please investigate to determine if this is a widespread and fraudulent abuse of the consumers. I have previously reported my experience to the Virginia Insurance Commissioner, who investigated and determined my complaint should be forwarded to your agency. 
Thank you.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO. (CA)

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A  PREPAID DEBIT CARD WITH OUR OWN MONEY!!! 
WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! 

****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! 

****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Consumer Adjustment Company Incorporated (VA)

I received a fraud alert on my credit report last night XX/XX/23 for a collection amount for over {$2900.00} I do not have a account with this company because I did not create this loan/line of credit. I reached out to the collection agency immediately and submitted a dispute and they gave me your information also to do so.. I do not borrow money on line nor do I create lines of credit on line I closed an account at my old Bank due to Fraudulent activity during the dates the collection agency told me this supposed loan/line of credit was accrued and I dated a man that was given access to my accounts at that bank and was not on my account. This man was a very bad person he stole from me used my credit cards and put me in a lot of financial debt. He took loans out in my name. this is why I also switched banks and placed Fraud alert on my credit report. for this exact reason. I have placed a dispute on my credit report and thru the collection agency who posted this. i promise you this is not my Debt please help me remove this from my credit report. It has been a struggle after what I have been thru with this man who destroyed my credit and my life to rebuild
Consumer complaint received 2023-03-07
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. (WI)

I have an account with Equifax.com to monitor my credit report and score. Since XX/XX/2023 I am not able to see anything on my account with equifax.com. I can not see any of my credit accounts and I can't see my credit score even thou I am paying for a Equifax membership. I have called multiple times on XXXX and XXXX to have them fix this problem and they always tell me the will " escalate '' the issue. Yet, they do nothing about it. They were supposed to mail me a full credit report but I did not receive a full credit report only a score. The score that they mail me was different score than the score they reported to my mortgage lender who requested my information on XX/XX/2023. To my lender, they reported a different score than the score they mailed to me on the very same day. They are reporting the wrong information to my mortgage lender. When I try to access my account on equifax.com I am not able to see anything nor my score. Basically, they are not letting me have access to my credit report or score and they are reporting the wrong information and two different scores on the same day. This is affecting me in my ability to secure a loan and is costing me to have financial losses.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WESTERN UNION COMPANY, THE (CT)

I purchased a vehicle right before the epidemic lost my job like most people took the money I had was only short {$500.00} to pay full amount of Car Loan company refused I was never behind on a payment I had only had the vehicle for a few months as is so told them I need to get something with the cash I have and I would surrender my vehicle to them because I needed something with no payments which is what I did now my credit report is all messed up. They have me at 60 days late. They have it open on some accounts closed on some accounts and a charge off on another account. I need this fixed please
Consumer complaint received 2020-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (IN)

This debt collector continues to harass me and my family about a medical debt that is unverifiable and they have no proof of a signed contract from me. I have sent 2 letters requesting validation and they only respond with an itemized bill with no signature or proof the debt indeed belongs to me. Under the Fair Credit Reporting Act all information reported to the Credit agencies must be accurate and verifiable. I have NEVER had a contract with this company or done any business dealings with them. They have nothing to prove I owe them and they have damaged my credit without merit.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Vehicle loan was taken out on a XXXX XXXX XXXX XXXX XXXX. Three year loan with XXXX XXXX XXXX  which has been taken over by Capital One. Looking for a lien release as car can not be sold. Capital One was called numerous time with no response since they say it is too old and have no records under XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

On or about XXXX XX/XX/year>, I mailed a letter to Advanced Resolution Services requesting information and the removal of inaccurate information from whatever credit file they have with my PII on it. In return, I received a letter from them asking for verification items that I mailed to them in my request.
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CO)

I purchased my home in XX/XX/XXXX, first payment was made to Caliber home loans on XX/XX/XXXX. Payment was never applied to my loan so when the loan was transferred to XXXX it was transferred for the full amount. I realized this and made my first phone call in XX/XX/XXXX. I I have provided a copy of the check that was cashed for {$2000.00} by Caliber Home Loans and also provided a copy of my bank statement where it shows the money was taken out. Ever since XX/XX/XXXX I been calling trying to get this issue resolved and now they are telling me theres nothing they can do because they cant access old files.