davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Ok so the Credit Acceptance calls several times daily are irritating. let me tell you why .... 
1. ) Covid XXXX up XXXX 2. ) My husband left XX/XX/XXXX and stuck me with every single bill 3. ) I lost my job due to covid XX/XX/XXXX and WAS NOT eligible for unemployment 4. ) I have a XXXX  that has XXXX XXXX and XXXX 5. ) THEY TOOK OUT DOUBLE PAYMENTS FROM XXXX, XXXX, XXXX & XX/XX/XXXX that I DID NOT AUTHORIZE!!!!! 
6. ) Because of said double payments being taken, I technically didn't owe a car payment until XX/XX/XXXX BUT they claimed I was several months behind even though I wasn't because of the non-authorized payments being taken. 
Now, I have been without a vehicle since XX/XX/XXXX because the repo 'd and I'm not able to get my XXXX  to her XXXX treatments. So no, when they call, I will not answer. I made {$480.00} wages in XXXX because of covid. That's less than my car payment of $ XXXX. My tax money from last tax season was set aside for that payment until they took out double payments. So yeah, please tell me why I should answer my phone when they are this terrible. I had a XXXX XXXX ... .which isn't the car I wanted originally. I wanted one that was cheaper that I would be able to pay off in 24 months not 5 1/2 years at $ XXXX but they refused to approve a cheaper car in my budget. 

Sincerly, A very XXXX off ex-customer XXXX XXXX
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy.

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
Consumer complaint received 2022-11-18
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. (GA)

This relates to a closed creditor 's account : XXXX XXXX XXXX XXXX  {$9800.00} XXXX. I have been notified by Equifax of the alleged guilt above. Pursuant to 15 USC 1692a, Congressional Findings or Declaration of Purpose, I hereby inform you that I am suffering XXXX and financially as a result of your fraudulent conduct with intent to harm. Equifax and its representatives pestered me about alleged debts that weren't even confirmed nor verified. Equifax provided a statement and a copy of the consumer contract as evidence of guilt, but according to XXXXXXXX XXXX XXXX a copy of XXXX XXXX 's consumer report is not sufficient evidence of debt. Equifax has not respected my privacy rights under 15 USC 1681 a4. Equifax failed to meet their responsibilities ; they were partial, and unfair. Equifax had no valid purpose under 15 USC 1681 b2 I never directed you to write this report, nor did I agree with it in any way.
Consumer complaint received 2021-09-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I was trying to get some assistance with some issues we've been having but I think I've reached my breaking point with you guys. This whole first-time home buyer experience and the lack of respect by trying to offer me a 1-800 number is the final straw for me. I'm just giving you a heads up on my next steps moving forward. I almost am at my one-year mark and was doing my due diligence and homeowner obligations and I hate to admit this but you guys have been the worst lending builders ever. I hope moving forward with your community that you will ensure better expectations for yourselves and provide your customers better service. 

Issue 1 : Water Source. Did we pay for XXXX to come out and put city water? We have a community well shared with 3 lots however one of the residents and the developer have been going back and forth on the sulfur smells. This has resulted in some serious water quality issues and a lack of proper water maintenance. The amount of bleach going into the well is unhealthy for our health and is so strong that you can turn on a sink and smell it through the whole house, it burns your eyes, it ruining our clothes. No one has the knowledge and authority to regulate the well so people are just adding bleach in excessive amounts. However, I will/am going to file a report with the XXXX. 
I also discovered that my sewer sprinklers are not in code according to the XXXX. I have a creek in my backyard and my sprinklers aren't far enough away from my creek so thank you for that XXXX also. I'll figure it out with the XXXX. 

Issue 2 : The Powerpole isn't up to code per the XXXX I guess bluebonnet is responsible for that? XXXX XXXX XXXX who conducted the surveying for the easement. What are we supposed to do about that? 

Issue 3 : My house appraisal value is not accurate based on the provided inspection given to my lender that was performed by XXXX XXXX. 

Issue 3 : The AC and the thermostat, also not in regulation the thermostat is installed too far away from the return air. 

Other issues : Our neighbors home was built and you guys forgot to install water spickets and still haven't addressed this. Their roof was also leaking the first week of living there and it was a new build. the land developer assumed that you guys were increasing the prices on our contracts that he charged you and asked us to see our receipts. For example, the price for the easement was {$900.00} for the fieldwork and {$650.00} for the exhibit. This definitely brings up concerns for us as a homeowner as I'm sure you can understand. 

There are many more issues and concerns but I guess I need to just contact the Federal Housing Administration, the XXXX, XXXX, XXXX, and whoever else I can bring this to attention and ensure that the other 37 lots don't result in the same disappointment as my family has had to suffer. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-11
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. (NJ)

Could this be discrimination when I have disputed this fraudulent account XXXX XXXX XXXX  and XXXX as well as XXXX XXXX  and the addresses associated with the accounts with the same information. And, a police report provided just like my husband did as XXXX is listed as a joint account. His was removed from all 3 bureaus and mine remains on XXXX and Equifax.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (OH)

Well I have a stash account and I link it to my square cash app account I was locked out of my stash account and not told where my money is. On my cash app it say that they sent it but it never hit the card I have multiple complaints from refunds to Nothin is on the card. The bank it went to was XXXX XXXX the money came from stash capital. It total to XXXX dollars I have not seen a XXXX  all the transactions are on the page. It says complete. I can't get any word or help I earned that money and now everyone is acting like there's no way to contact these people. The transaction range from XX/XX/XXXX to XX/XX/2020. XXXX dollars total
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (SC)

I already have a PayPal account. When I saw the inquiry on my report I was confused because I have an account. I called the company and they had my last 4 of my SSN as XXXX which its XXXX. I didn't apply for new PayPal credit because I've had it for years. It needs to be removed!
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (CA)

Dear Sir/Madam, Hi, I opened an account in chime on XX/XX/2022 and deposited {$200.00} in thre checking account for a chime secured card. On XX/XX/2022 without any reson they closed my account and didnt return my money.I ask them by phone and email for return but they refused to return my money. 
Thank you
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I received by mail a letter in response to a good will request to remove negatively reported information being reported. Capital one in the letter indicated they need power of attorneys authorization for using a letter template. Disclosed in my letter dated XX/XX/XXXX is that I the account holder independently and solely submitted the request. The letter also indicates the response would be directly to the account holder. The letter advised I would be able to call in and respond. Capital one didnt honor their instructed letter sent to me. The Supervisor XXXX ID : XXXX who I spoke with at approximately XXXX on XX/XX/XXXX refused to properly assist me. Capital One refused to honor a goodwill request to remove negatively reported information although I called in to confirm as the letter I received stated I should. No power of attorney is required to use a letter template by a company to send my own letter. Capital ones power of attorney statement indicates that too SHARE information with outside sources power of attorney is required. Capital one is not honoring their own policy also being abusive in fair credit reporting and disputes. This effecting My creditworthiness in negative standing in hard financial times. False policies are being enforced and that is not okay.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted a dispute with both XX/XX/XXXX and Transunion regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XX/XX/XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 TRANSUNION FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

PAYPAL is discriminating against the consumer and participating in unlawful acts under the truth and lending act and equal credit opportunity act. In XXXX, The consumer paid for a product for personal, family and household purposes and the seller of the product ( XXXX XXXX ) did not send the merchandise that was listed for purchase. In PAYPAL agreement, it contains that when the consumer files a dispute, PAYPAL handles the issue. However, PAYPAL is exemplifying discrimination practices because they are making me do EXTRA filings to receive my refund. HOWEVER the consumer has requested that her funds be returned immediately because she has IN GOOD FAITH exercised her RIGHT to request her refund immediately. PAYPAL is refusing to refund which is against the Consumer Protection Rights. I informed PAYPAL that, If this claim is not refunded immediately, the consumer will exercise her rights to report PAYPAL to all government agencies to file a complaint that PAYPAL is in violation for unfair practices and refusing to uphold law and are in violation under the TILA, XXXX, FCRA and any other Acts that are deemed proper regarding this issue. The consumer gave PayPal THREE days to resolve this matter and PAYPAL sent back an email REFUSING to refund the consumer. So here i am, filing reports to the appropriate governmental agencies for violation of undue stress and the delay of time experiencing misconduct and discrimination with PAYPAL.
Consumer complaint received 2023-03-23
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. (CA)

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 # XXXX, Account name : XXXXXXXX XXXX Card # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> I booked a flight through XXXX based airline XXXX XXXX XXXX that was scheduled for XX/XX/year>. I reached out to XXXX XXXX on XX/XX/year>XXXX  and let them know that I had a visit with my primary care physician and was alerted that I had an XXXX breakout that was filled with XXXX XXXX  and due to that it was recommended that I not fly because XXXX XXXXXXXX XXXX XXXX XXXX 

I sent over a certified, signed and dated medical note and proof of prescription and I was told that I would be able to receive a flight credit for future use. 

I reached back out after submitting my documentation and not hearing for a few days and I was told that the documentation could not be accepted although it was exactly what had been asked of me. 

I did some research and was able to find out that this company is known for refusing airline credits and giving American customers a hard time while trying to navigate the refund and airline credit process. 

After trying for weeks with XXXX XXXX I reached out to Navy Federal Credit Union on XX/XX/year>XXXX  to file a dispute and hopefully have this issue resolved. I filed a claim and received a provisional credit of {$220.00} pending an investigation. 

I sent over all of my documentation and provided a statement to the claims representative giving a timeline of the written correspondence but a few weeks later I received an update that the claim was not filed in my favor and that the credit would be reversed. I called Navy Federal Credit Union and asked for an explanation of this reversal and this outcome and I was told I could request the evidence the airline submitted in regard to my claim. 

I reviewed the documentation that Navy Federal uploaded and noticed that XXXX XXXX left out most of the communication that was held with me but most importantly they left out the email advising me that once I sent over the notice from my XXXX  they would provide me with a flight credit. 

Navy Federal Credit Union has not done a great job of helping customers resolve disputes with other unsavory merchants and every single time I call I get conflicting information. I have several instances and examples of NFCU refusing to assist even when the evidence is overwhelming.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX a refund of {$510.00} was supposedly issued to my XXXX  XXXX XXXX account. After contacting Paypal Services, they informed me that my money was transferred to my account. However no funds were received. I attempted to reach out to XXXX  XXXX XXXX, but they refused to respond. After filing a complaint with FTC, XXXX  XXXX XXXX reached out to me and informed me that no such transaction occurred. I am now filing this complaint against Paypal asking them to send proof that they sent money to my XXXX  XXXX XXXX account.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$780.00} that is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I went to the XXXX XXXX XXXX XXXX in XXXX XXXX, California on Saturday XX/XX/XXXX to pick up a money transfer from Western Union sent by XXXX  XXXX XXXX EDD. The money transfer request was for {$4400.00} and was scheduled to be picked up by myself, XXXX XXXX. I had to send in my social security card and verify my identity in person at XXXX  XXXX XXXX before they could complete the transfer. On my California drivers license I have the suffix XXXX and XXXX  XXXX XXXX did not put XXXX  on the transfer. I was told it would be fine because they verified me in the western union system and I verified myself in person. The customer service representative at the XXXX XXXX XXXX XXXX, XXXX XXXX, completed my transfer request and right before she was about to give me my {$4400.00} she said hold on, I need to ask my co worker something. XXXX came back and said Im not gon na be able to give you the money because your ID says XXXX on it. She got on the phone with western union to cancel the transaction because she already completed it in the system without actually giving me the money. After going back and forth with XXXX and her coworker XXXX, they asked if I had any form of ID that did not have XXXX on it. I told them I did not only a credit a card. The major problem with this whole scenario is that XXXX completed the transaction in the system so it made it seem like I picked up the money when I never did. I immediately called XXXX  XXXX XXXX and they advised me to call law enforcement and make a fraud case. I have been in contact with Western Union since XX/XX/XXXX, and they have documentation that I never received the funds. I also have official documentation showing I never received the funds. Western Union told me they would do an investigation and I will have a new Money Control Transfer a number ( XXXX ) to pick up the funds. I was told it would take 24-48 hours, then that turned into 20 days. I was told it should be finalized XX/XX/XXXX. Well that day came and went and I still have not heard anything whatsoever. Western union has talked to the store already, they know I never received the funds, but they are just dragging their feet on giving me my money. I then got told itll be finalized in XX/XX/XXXX and then I never received a notification again and when I called I was told itll be another 24-48 hours. I keep getting the run around and I just want my money. I did this emergency cash transfer to pay for bills and I have been unable too since XX/XX/XXXX.