davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (LA)

I had a XXXX debt in collections from XXXX XXXX XXXX ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from Experian. As of XX/XX/XXXX all paid XXXXl debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not Experian. I submitted a dispute with Experian which was resolved without removing the collection from my account. I then called Experian and was told that they can not remove this despite guidelines from all three CEOs of ExperianXXXX, and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid XXXX collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of XXXX collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my Experian account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I received a notification of a {$5000.00} withdrawal from my checking account into CoinBase, I contacted CoinBase showing concern as I didnt process this transaction. However very shortly after found out my younger sibling processed this which I was okay with since it was someone I was familiar with. There was no customer support so when I filled out their online information CoinBase immediately locked me out of my account and stopped me from having access to my funds! There was no fraudulent activity whatsoever however coin base still went ahead and blocked access and restricted my money
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (GA)

As of today XX/XX/XXXX, L J Ross & Associates have violated my rights in multiple ways. On XX/XX/XXXX, I mailed out Certified Mail with signature request a debt validation letter and LJ Ross & associates received and signed for my debt validation letter on XX/XX/XXXX. LJ Ross & Associate decided to report a debt on my credit report before giving me any type of communication ( dunning letter ). LJ Ross failed to send me a dunning letter previously before reporting this alleged debt on to my credit report, which I was never given me a chance to validate or dispute the alleged debt. L J Ross also ignored my written request for validation once I was made aware of the alleged debt with requested documents & L J Ross continued to try and collect by continuing to report and update the debt on my credit report. This has caused me damages. 

Since L J Ross has yet to validate this alleged debt, I am requesting that it is deleted off every credit agency ( ex : XXXX XXXX XXXX ) that they are reporting to. 
12 CFR 1006.30 ( a ) 15 USC 1681n : Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance
Consumer complaint received 2023-01-06
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: JPMORGAN CHASE & CO. (FL)

Chase Sapphire Preferred card advertises that you have XXXX points or {$960.00} to use towards a ticket purchased on their travel site but when you try to buy at the published price you find a system error call a Travel Advisor. As you call you are informed that the airline have changed the price and the new price is, coincidentally, the same as original PLUS {$960.00}!!!

I declined the. Purchase and went to the airline webpage where i could purchase at the original price posted and CHASE Travel site In other words, Chase, dishonestly, maneuvers the prices on their site in order to nullify your rewards buying power
Consumer complaint received 2020-05-27
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: Carvana Group, LLC (NV)

I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by XXXX  was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and XXXX  if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.
Consumer complaint received 2023-01-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc. (TN)

On XX/XX/2021 Paramount Capital Group voluntarily sent me an email closing my loan ( XXXX ) with them. I did contact Paramount Capital Group via email making sure this account was closed, it was closed and from the reply I received from Paramount Capital Group. XXXX days later on XX/XX/2021 Paramount Capital Group reopened this loan under a new loan number with all XXXX credit reporting agencies claiming that I'm late paying on my loan. I pulled from all XXXX credit agencies. XXXX has a balance of {$1300.00}, XXXX has a balance of {$1200.00}, and XXXX has a balance of {$1200.00} with XXXX late payments. I feel this company is not being professional in their dealings with customers.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/, second XX/XX/ and third XX/XX/. I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX XXXX XX/XX/2023 Collection of {$31.00} Text received XXXX informing me of attempt to collect debt of {$31.00} on behalf of XXXX XXXX. 
I believe I have already paid this bill prior to going to collections and have attempted several calls to the phone number provided on mailed letter and texts received from Credit Collection Services. 

When I have called I've been directly placed in a " hold position '' that states my call should be picked up in X minutes. 

My first call to CCS resulted in my call placed on hold for almost XXXX hours and at XXXX XXXX the call was disconnected. 

XXXX call began at XXXX, wait time to be XXXX minutes, after XXXX hours XXXX minutes the call was disconnected. 

I assume CCS representatives disconnected my call because it was XXXX and they were off work and the call XX/XX/2023 had a longer hold time because I called during the lunch hour of XXXX. But I will never know as they do not want to speak with callers. Awful customer service! 

I know that emails are accepted communication but XXXX XXXX for a living and have more time for phone calls than writing emails.
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (GA)

XXXX sold my loan and I was told my loan agreement hadn't changed. In my agreement payments made before the due date were principal only and if you were ahead on payments it would be towards principal. I have made a payment to the new company who said my terms hadn't changed my payment was earlier then the due date and I was ahead on payments yet all my payment went towards interest. I reached out to the company my loan was sold to and I have not gotten any response.
Consumer complaint received 2023-01-31
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. (CA)

Hello, In XX/XX/XXXX, I went to XXXX XXXX to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a XXXX XXXX late payment from XX/XX/XXXX. I had XXXX open accounts with XXXX XXXX, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, XXXX XXXX has violated the Fair Credit Reporting Act, and now the XXXX XXXX XXXX have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/XXXX second XX/XX/ and third XX/XX/XXXX I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.
Consumer complaint received 2023-01-06
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. (CT)

During the early evening of XXXX EST I called Equifax to create an account. After 3 attempts of not being able to move forward in the personal information segment : not accepting my name that is on my credit card or the billing zip code. I thought that was odd as that has never occurred previously. I called Equifax customer support and spoke with a rep and she informed me that I had made too many mistakes and ended up freezing the screen. I did not inform her that I actually closed out the website twice and cleared the " cache '' just in case. I told her I wanted to subscribe to the Equifax Complete plan and said that she could activate from her end. I purposely interrupted her to inform her that how can Equifax put the {$1.00} on my card without being able to verify my name. She did not have an answer for that question, however, I did let her continue. She pitched the Equifax XXXX XXXX plan and said that I would be able to access my credit scores and reports from all 3 agencies. So I allowed her to set me up with the Equifax XXXX XXXX plan. She informed me that she would send me an email with the link to access my account and then create a new password. So I got the email clicked on the link and followed the instructions, however, I was not lead to my account page but rec 'd this msg. : " At this time we are temporarily unable to complete this request please try again later ''. So I did. After the fifth time I called the same number with no response. I did not get any email saying that an account was successfully created or a member ID number and now I have a {$19.00} charge pending without accessing the account page.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (NY)

I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX  I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX  to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NY)

Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. 
I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. 
I don't believe that I have reached any of the XXXX limits described on the serve.com website, and my account has sufficient funds. 
This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. 
I attempted to do a bank transfer from my XXXX account with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX customer service. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again.
Consumer complaint received 2023-01-31
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. (MD)

In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information XXXX XXXX XXXX. 
Account : XXXX Account number : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 Affirm has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly XXXX charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! 
Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Due to covid19 I asked for information on the wells Fargo forbearance process on my mortgage. I was told I would receive information by mail. 

When I received my letter I was told that I was eligible and to go online to confirm and cancel my automatic payments. Also it stated that if I didn't need the assistance no action was needed I could disregard and nothing more will be done. 

XX/XX/XXXX I noticed my payment didnt get drafted. Called XX/XX/XXXX. Was told I was in the forbearance program. I never requested this to be done, only asked for information. I requested that day and twice since requested but it has not processed to be removed from the program.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2020 I initiated an international bank to bank transfer of money using Western Union services. The money shouldve been received by the recipient on XX/XX/2020. As of today ; the money still has not been received by the recipient. Ive called Western Union every day since then and have been getting the run around. I want a  refund but they will not issue one and will not provide support. Today after complaining they informed me that their records show the money was transferred and they will not issue a refund, despite my complaint to them stating the money was never received. They have been extremely unhelpful and there has been no transparency regarding their processes or what information they are using to hold my money.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (OR)

On XX/XX/2022 I paid my electric utility bill of {$250.00} using Key Bank bill pay. The electric utility merchant say they never received the payment. Key Bank provided proof of payment, but the merchant said Key Bank is using XXXX, a third party who has been paying my bills using various credit cards, such as XXXX and XXXX Card. Key Bank said they can't provide my with any details on the credit card XXXX used to track down the missing payment. This is unfair deceptive business practices. I never authorized my bills to be paid by credit cards. Please help. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Account number : XXXX According to the Aidvantage site, on XX/XX/2022 a refund in the amount of {$1200.00}. I did not request a refund nor have I received a refund. 

I inquired to Aidvantage about the refund, and I was told that XXXX now has my account. 

When I contacted XXXX, I was told that they do not know anything about a refund.