davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC (TX)

My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.
Consumer complaint received 2020-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I discontinued insurance with XXXX  and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.
Consumer complaint received 2020-05-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I requested proof of their decision after my dispute with in the same letter that was mailed to Equifax via certified mail return receipt requested article number XXXX XXXX XXXX XXXX XXXX mailed XX/XX/XXXX and signed for by Equifax XX/XX/XXXX. 
Under the FCRA 611 ( A ) ( 7 ) which provides Equifax to provide proof of their verification after the dispute, I allowed 30 days after the dispute. Then I allowed the 15 days for the Method of Verification under 611 ( A ) ( 7 ). 
Equifax is in blatant violation of the FCRA for failing to provide proof. 
I plead with CFPB to have Equifax to provide me proof in writing as required under FCRA 611 ( A ) ( 7 ) not just state they investigated after receiving my dispute and that they verified which is not enough under the FCRA 611 ( A ) ( 7 ). 
In addition I also sent communications certified mail return receipt requested regarding proof article number XXXX XXXX XXXX XXXX XXXX Equifax signed for XX/XX/XXXX Equifax provided nothing and another article number XXXX XXXX XXXX XXXX XXXX which was also signed for by Equifax on XX/XX/XXXX. I am keeping careful record regarding every step I take just in case I continue being treated so badly.
Consumer complaint received 2020-02-14
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. (MI)

I made a call to XXXX XXXX XXXX XXXX to cancel a trip. Back in mid XXXX ( on or around the XXXX ) I called to complain about a time share stay I had and they had tricked me into believing I was getting a free " courtesy trip '' for my trouble. 
After scheduling the trip they informed me this was going to be a sales pitch and not at a resort but a stay at a hotel and " any adult with me had to attend this presentation ''. 
I called about two weeks later and attempted to cancel this trip with them and was told I was two days too late to do so. 

I took the next step to call XXXX Chase Card Services to put this in dispute. The CS Representative advised me they would not put it in dispute via verbal complaint and I had to send it to the Executive office in writing with my documentation. I did this on XX/XX/XXXX. The Executive office had me fax it to another location as she stated this was a XXXX XXXX XXXX XXXX  issue and is handled elsewhere. She also advised it would take at least 30 days to get a response from XXXX. I followed her direction. 
I waited and after two months called to follow up as I had received nothing in writing. I finally received a confirmation letter in XXXX, Meanwhile Chase billed me several late fees and an Annual Renewal fee in XXXX. There collections dept. began calling saying I was incurring late fees and I needed to pay them. They also stated they had nothing in their system that a dispute was active. At that time I also had no correspondence that my complaint was in dispute status, I did not pay them this fee. I did not trust they would not turn around and put it toward the charges I was disputing and determine the rest had to be paid. I had advised them of this during their and my phone calls. I called the Chase directly and spoke with XXXX on XX/XX/XXXX after one of the above calls was received by me. He assured me he would handle it and gave me a case number XXXX I never received a final determination in writing from them and called them about the late fees that were charged to my account. They reversed the during that call on XX/XX/XXXX. They told me I had a XXXX balance for annual fees for XXXX. I paid that via phone and then the Rep told me the card was closed. This month XX/XX/XXXX I received a bill for XXXX. I called them and they said they reversed fees twice in error and this was the balance due. This has been a complete and total run around I have gotten from XXXX Chase Cardservices. I do not recommend them. One of my biggest concerns is that I have great credit and they put this on my credit report as a non payment issue vs disputed charges. In addition to charging a XXXX annual fee for a card they closed, none of this was put in writing as a final decision on their part.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX  Account name : # capital one # XXXX Account name : # XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-05
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. (SC)

I recently tried to establish an online account with MyEquifax.com to review, request and use the services of that site. My wife and I had just previously signed up for the fraud protection service in reference to the Equifax breach. We successfully did that process. After that I went online and completed the MyEquifax registration but the system would not complete the process and a popup told me to call in. I did that and the representative told me that she could not help but would expedite my account registration. On a side note, my wife also signed up for an account and was prompted that she would receive a code to further complete the process. After 41 years of marriage and using the same info a lot she accidentally used my email for her sign up and this cause the system to lock our accounts permanently because of like information on two accounts. She received her code but was not able to log on. I did call again after not hearing back and another rep told me the same story, so after another wait I found the fraud department line and called it. After the verification process the rep told me that because some of the same information was used for both accounts that we would be permanently barred from a MyEquifax account with no recourse. With everything online now this will limit our abilities to access our information for an honest mistake. They can see that we didn't gain access and we have verified ourselves to death but would gladly provide more to fix this. Ironically we immediately went to the Equifax.com Lock and Alert page and signed up for that service so it seems our information was not locked down. We are glad to have this service but would like to have the MyEquifax account also. Please help us.
Consumer complaint received 2020-02-05
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. (DE)

There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I Submit through the mail to XXXX  Equifax and XXXX XXXX Deletions to  credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (CO)

Good afternoon. My name is XXXX XXXX and I am a victim of what seems to have happened to many regarding federal student loan forgiveness. Premier Student Loan Center got in contact with me in XXXX of XXXX and we moved forward with forgiving some of my student loans. They asked for {$900.00} upfront to provide their service and to pay $ XXXX/month for 20 years. Originally I was paying {$90.00} and it was really hard to make payments on top of all the other bills I had after college. They told me to not pay attention to my XXXX  bills because with PSLC all I had to do was pay them, and they forgave thousands of my debt, then PSLC would be the ones paying off my XXXX  bills. I have worked with consolidation companies before so this did not seem fishy to me at the time. It has been over 3 years since signing all these contracts and I have been paying them every month, but since XX/XX/XXXX money stopped getting taken out of my account. I tried calling PSLC and I heard an automated message saying that PSLC is under investigation and all the money I paid into the program has in fact NOT been getting paid to XXXX, which is what they promised. None of the thousands PSLC forgave actually posted to XXXX, and now I am being sent all these past due bills from XXXX since this whole time apparently PSLC has not been paying XXXX. I only went with PSLC because their website and reviews were accredited by the XXXX. Turns out, the XXXX  are the ones actually suing PSLC. I paid all of this money and I trusted PSLC to consolidate my loans and get me on a successful payment plan. Doing PSLC math I only owed {$2000.00} left. According to XXXX, I still owe almost {$8000.00}. I need some sort of resolution or to be put as one of the victims in the class action suit against PSLC. Please help me!! I have all the contracts that were signed by me and PSLC to show how much I owed. Someone please please get in contact with me to resolve this very unfortunate issue. The contract I signed said I only have {$2000.00}, but with XXXX  it says I owe {$8000.00} still. This business was originally approved by the XXXX, and I want my contract to still stand with me only owing {$2000.00}. With XXXX, before when I kept making payments to PSLC I received a bill from XXXX  every month saying my balance was {$0.00}. Now it's saying I owe them $ XXXX/month since PSLC does not exist anymore. So if it was originally approved by the XXXX  and XXXX recognized this business as a consolidation company, then me owing {$2000.00} should still stand, not {$8000.00}. I am seeking to get back {$6000.00} to bridge that gap of what was supposedly forgiven by PSLC so I can pay XXXX.
Consumer complaint received 2020-02-05
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. (PA)

I bought a flight from XXXX, XXXX to XXXX, Georgia on XXXX XXXX with my chase sapphire preferred credit card. On the date of my departure, XX/XX/XXXX, my flight was delayed over 13 hours due to a mechanical failure of the plane. This caused me to land in XXXX at XXXX on XX/XX/XXXX instead of landing at XXXX. I had planned to drive back to my hometown, but was forced to spend the night in XXXX due to the delay. 
The chase sapphire card says that it will cover up to {$500.00} per night for delayed trips over 13 hours due to a mechanical failure of the plane. 
Chase is refusing to cover my hotel because the hotel was used the night after the delay rather than the night before. I was forced to stay in XXXX for the safety of drivers on the interstate due to the delay of my flight. 

It was very difficult to pay for a hotel after XXXX ( most hotel 's booking systems would not allow us to pay for a room. ) After being turned away from three other hotels, I found a room at the XXXX XXXX  on XXXX XXXX XXXX XXXX for {$350.00} on XXXX at XXXX XXXX. Chase requested various documents for 8 months before telling me that they wouldn't pay for the hotel. I have been talking to chase bank and XXXX ( their third party claim fulfillment company ) since XX/XX/XXXX. Today is XX/XX/XXXX and they have officially told me that they will not pay for the hotel. My eclaimsline claim number was : XXXX
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CT)

I applied for a store credit with XXXX XXXX, XX/XX/XXXX and was awarded {$300.00} that night. I then made a few purchases that evening only ( 2 or 3 items ) no where near my limit. I was then told to expect to my card in the mail. I waited over 30 to 45 days and still no card. I then called customer service @ XXXX XXXX, I explained my dilemma I was told my card already was sent. I then replied I never received it & I requested that card be canceled & issue a new one & gave my correct address I also explained why am I receiving a bill at the correct address & my card didnt make it here. I finally received my card in the mail 2 months later. I have a restriction on my card where I can not make any purchases, I do cash purchases only. I havent used my card in years & to date my balance is over {$300.00} so where are my payments going or even being applied. If I am restricted From card usage WHY IS MY BALANCE NOT GOING DOWN AT ALL, also have had my credit limit decreased to {$200.00} dollars with no notification, as I looked at my statement today, I made a payment of {$40.00} on XX/XX/XXXX, my due date & there is a late fee on this bill for {$39.00}. Also I pay my bill monthly in the store, I double & triple my minimum payments due. When I call about my bill at any time Im routed directly to collections @ Comenity Bank, their staff & reps are very rude & unprofessional, always persistent with strong arming additional payments & talk of legislation action, unwilling to assist or even hear any of your concerns. I dont know what to do, this is the reasoning for my complaint. Thank you
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have a Citi Aadvantage Mileup card. I have had several accounts with Citi over the years, and always made my Payments on time. I have spent At least {$50000.00} with them over the past couple years. There was always a policy of waiving 1 late fee per year. Recently I was going through my accounts and changed some due dates on my accounts. This past month I confused my cards and paid 2 days late thinking it was the other Citi card. When I called to ask the fee be waived, the original respresentative stated that they can only waive one fee per year. When I asked when the last one was, I was told XXXX. It is now XXXX so I asked if they could waive this one, and was transferred to a customer service manager.  He was very rude and refused to waive the fee, stating the policy was changed and they dont waive fees anymore. I was never told of that policy change. I believe I should be refunded the Late payment fee.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

I was charged with opening and non payment of an account by Discover bank. They did an investigation of the account. Said it was mine and I revived goods and services with their card, They also said it would be reported to the IRS. A very disgruntled form letter. 
They did. But they put a account number on it which I have denied in good faith that is not mine. Account # XXXX. 
Charges have been filed with the Mississippi Attorneys Office against the person who used all of the accounts you have so far invested on my behalf. Thank You XXXX XXXX
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage has sent out loan modification paperwork to me multiple times. I don't get them until the deadline to file is past. The last packet was dated XX/XX/XXXX and application deadline of XX/XX/XXXX, but it did not get to me until XX/XX/XXXX. I still send the information back to them, but I never get a response that states whether the modification was approved or denied. Also during the foreclosure process the stopped taking payments. The last payment was made in XX/XX/XXXX, the XXXX payment came back as insufficient funds, yet the funds are still sitting in my bank account. They also have kept sending me the monthly statements which shows the total reinstatement amount due. But they said they won't take that amount, the attorney at XXXX XXXX has to take the payment. XXXX XXXX states that their only fee is the filing amount, but the difference between the statement amount and the amount from XXXX XXXX is {$2000.00}. Please help, they could care less about helping people and just want to take their homes.
Consumer complaint received 2020-02-05
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. (VA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.