davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. Credit accepted refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.
Consumer complaint received 2022-03-10
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. (IL)

After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America Visa cards have had a feature called XXXX for several years. This allows the card owner to create a new referral number with restricted value and expiration, thereby not exposing the actual card to online merchants. 
This past weekend a message occurred every time I attempted to create XXXX numbers saying the system was undergoing maintenance and no new numbers could be created. After 3 days, I contacted customer service and was told the maintenance was done on Friday, XX/XX/XXXX and it included a new restriction that only 20 XXXX numbers could be created during the life of the card! There was no advance notification by mail, email or alert and the online help system does not state the restriction. This is unreasonable since it is a protection to both the user and the bank. Had notice been given, advance referral numbers could have been created for later use. Also, the current message is inaccurate and misleading.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

This involves AMEX and using a credit card for charges not approved/authorized on my account. 

In XXXX XXXX XXXX I received a notification and call from AMEX about a late charge on my account. I was very confused as I had placed a freeze on this card years ago and frankly never used the card. 

Upon engaging with them to understand the charges, I was instructed to pay the amount and they would file an appeal to take off late charges. At that time, I said I don't remember making these charges on the card. I was not referred to fraud departments. Then, the transaction fees were not waived nor were any actions taken by the financial agency to resolve the issue. 

Now, I find my credit score has a large impact on it because they reported these late payments for unauthorized charges.
Consumer complaint received 2023-01-23
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. (CT)

The Department of Ed ( XXXX ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXX when I XXXX XXXX XXXX My credit report shows they were opened in XXXX, which I do not understand. 
I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, XXXX is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. 
I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. 
The loan amounts are {$2800.00} and {$570.00}.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd. (OH)

Phillips & Cohen Associates , LTD. have acknowledged that Debt was paid, but have failed despite numerous contacts to submit Satisfaction of a Claim they filed in an Estate. As a result, their actions are causing the Estate to incur additional expenses and fees, Debt was paid in full XXXX. Phillips & Cohen indicated on XXXX it would file Proof of Satisfaction of Calim with Court. It did not do so. On XX/XX/2023, Phillips & Cohen again indicated that it would file satisfaction of the Claim within a week to 10 days. As of XXXX nothing filed.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

To Whom It XXXX Concern, I sent a request for mortgage assistance with Select Portfolio Servicing in regards tXXXX XXXX XXXX XXXX XXXXXXXX, XXXX and was requesting assistance in a payment plan or putting the payments at the end of the term so I could get back on track. I was given a payment plan that was totally unaffordable {$1400.00} a month for a year. I spoke with a young lady at SPS explaining that I couldn't afford that amount and if there was any way it could be broken up in 5 years or more so I could make the payments and my living expenses as well. I only clear $ 2500 monthly but I have to pay car insurance ( {$300.00} ), car payment ( {$690.00} ), utilities ( {$150.00} + {$60.00} ) ; gas to go to work and food. There is just not enough money and I was injured from car accident in XXXX so I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX so I've been trying to find a second job to supplement my income after work where I am at desk job but to no avail. 

I just want them to be reasonable and work a affordable payment plan. I am going to pay the principle payment only as recently became ill with a upper respiratory XXXX in XXXX, XXXX. 

Why can't these mortgage companies be accommodating to their customers. I've applied for the mortgage assistance and they always decline. I'm just trying to pay what I owe but in a affordable payment plan. 

If you can help, it would be greatly appreciated. 

XXXX bless you and thank you, XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/19, I applied for the Capital One SavorOne credit card. Their website specifically stated that new cardholders would " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening ''. I have never had this product before with Capital One and this promised bonus was a major reason I applied for this card. I have had other product lines with Capital One. 

I met the spend threshold during my XXXX statement and did not receive the bonus on my following statement. I decided to wait to see if it would take time to post. However, as of this week, my bonus still wasn't received. I called into the customer service number on the back of my card and they said they didn't see a record of the sign up bonus. 

I then decided to reach out to Capital One 's Executive Office, advising that the frontline CSR was unable to assist. They advised that their spend offer was not open to applicants with existing Capital One accounts. However, that language was not used on their website, nor was that restriction clearly noted. 

While they claim that this restriction is listed in their disclosures, the information accessible on their page is purposefully misleading. They also had no such restrictions in the past regarding bonuses, so they did not have a precedent to deny a bonus to applicants with other Capital One products.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by XXXX  points because of this issue.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc. (IN)

Hi. I was denied by Appfolio when applying for a unit. My names XXXX XXXX. It said I was denied for criminal history when I have court docs to show that my charge was dropped to a misdemeanor & my eviction on my account is from XXXX of 2016. Its passed the XXXX mark.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Last XX/XX/2022 I receive an email from Paypal that my account was permanently limited up to 180 days. It was a big mistake because I believe that I didn't violate any of the Paypal 's terms and conditions as I use this payment platform on my online business Binary options trading selling virtual goods since XX/XX/2022 up to present. My Paypal account, XXXX has funds in it that I need to withdraw but unable to do so and I really need that money as soon as possible. I hope that the restrictions applied to my account will be lifted so I could withdraw my funds. Thank you for consideration and God bless.

I attached my valid I.D . for identity verification. Please see attachment.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (GA)

Despite assurances that there would be accommodation for the extreme impact of COVID-19, during the pandemic, Bridgecrest has repeatedly called requesting money and payment stating that we were in arrears and other times stating that they would amend the contract. I am a physician who is dependent upon the vehicle and working as an appointed expert for the state of Georgia and the entire southeastern region for opioid substance use disorders and am responsible for ensuring that this high-risk group is also protected and not disenfranchised during COVID-19. Throughout this time I have yet to receivable any funding due from the federal government during COVID or before and expect to but not in a timely fashion. While every other lender or circumstance has been mutually amenable Bridgecrest has a call center that harasses for funds with no knowledge of COVID with no mention, when asked about, COVID forgiveness/financial relief. Additionally, I am a confirmed victim of personal and professional ( corporate ) identity theft complicating the issue further because regardless of the rights I am supposed to have been afforded and all the issues above are of no interest to bridgecrest. They will not allow me to speak with anybody above the initial calling individual.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Consumer complaint received 2023-01-23
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. (TN)

Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( XXXX  XXXX  ) charged me {$300.00} on XXXX XXXX, XXXX For last two weeks I have made several calls and sent several notifications to Paypal about this issue and seems like no one is willing to help.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (TN)

I rented a car on XX/XX/2021 for 30 days at {$1500.00}, immediately had mechanical issues with my rental since the moment I picked it up, you can pull call history showing on XX/XX/XXXX I called 5 times and was told I'd be responsiblefor towing the vehicle and several other things from each different representativeI talked too. Front tire sensor out, rear back tire deflating and oil life at only 7 % to name a few issues. After finally getting the only vehicle available to switch out, I was able to exchange last week and was told I'd receive either a 50 % discount on my monthly rental rate or your company would comp my rental for the month of XXXX. Fine. 

Of course I go to call the local branch, no answer. Went into the local branch i was told they can't do anything and gives me a XXXX number, I call and sit on hold for 15 plus minutes then get disconnected, I've done this on and off all week! 

Can SOMEBODY from your company RETURN my call?! The return is due tomorrow but I literally just got a vehicle that was up to safety standards and need to either get my refund or extend this rental! I guarantee that if I don't return it tomorrow you'll be hounding me and I want this email to document my willingness to try to contact your company for remedy. It's been a month of nothing but problems and nobody wants to address this and I've paid {$1500.00}! 

That was the email that prompted the 50 % discount and extension of my rental. By the time the stopped charging my credit card it was to the tune of {$4600.00}! I had disputed these charges with my bank and even replied to their text when they were trying to authorize the charge, I told them no and it still went through!
Consumer complaint received 2021-08-11
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)

Ny name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-12-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Being a customer of XXXX XXXX  XXXX XXXX XXXX for XXXX I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.
Consumer complaint received 2023-01-24
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.