davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
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: Bridgecrest Acceptance Corporation (IN)

In XX/XX/2015 I became unemployed and was receiving unemployment benefits. I had requested assistance from this lender in regards to assisting me with getting caught up on my payments but I continuously was behind a week, two weeks, and even into 30-60 days. The lender refused to offer any type of deferment/forbearance to assist me even though I repeatedly called and requested something to help me get caught back up. 
On a call a couple of months ago with the lender regarding a previous CFPB complaint I made regarding this matter, the agent stated that they do not have to offer assistance to their borrowers across the board and that these types of programs are only offered as the company allows and they are limited and not available all the time. I believe that this company is violating fair lending laws and is discriminating by not treating all borrowers the same across the board.
Consumer complaint received 2018-06-20
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: U.S. BANCORP (PA)

I mad a purchase at a XXXX store for about 135.00, return back the next day and attempted to make another purchase for XXXX the transaction never was approved by my bank .... My card kept declining and I had to call customer service who then connected me to the fraud department to verify it was me making the purchase..I did and they tried to override the system for the payment to go through but It never went through on XXXX end. I then found out that a payment I made to the credit card account was returned from my bank and in attempt not to have a negative balance I returned the XXXX purchase that was approved. my account is now showing over the limit by XXXX plus additional fees the credit card company has accessed to it. It's showing over the limit because of the XXXX charge they are stating went through but was declined numerous times at the store.
Consumer complaint received 2023-05-24
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: CCS Financial Services, Inc. (GA)

File number : XXXX XXXX XXXX CREDIT COLLECTION SERVICES Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. You are hereby on notice to abide by the law.
Consumer complaint received 2018-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IA)

I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC (NH)

On Tuesday, XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX from XXXX XXXX called my work. I advised him that he was calling a business line and can not call this number. He then called back three times in a row and left the following message. 

XXXX XXXX Voicemail from XXXX. 
52 seconds Good morning calling regarding XXXX XXXX. My name is XXXX XXXX calling with the Weinberg Group. Our firm was retained to a mutual client with obviously you have no intentions on setting up any kind of voluntarily payment arrangement just your history and hanging up and ignoring our collection efforts. We are gon na recommend a judgment to be filed against you to secure that final balance that is been unpaid since XX/XX/XXXX. If you'd like to give a statement or have any legal representation please contact our office. You do have eight of the reference numbers that we will be calling. You can call me directly at XXXX ext. XXXX. This will be our final notification. Thank you. 

Then on Wednesday, XX/XX/XXXX at XXXX XXXX  EST he called my work again and I did not pick up. 
XXXX XXXX Voicemail from XXXX. 
1 seconds This person called but did not leave a message. 

XXXX XXXX EST on XX/XX/XXXX, he called again and I did not pick up. 

XXXX XXXX EST on XX/XX/XXXX, he called again at which point I picked up and I advised him again that he was calling a business line that does not allow these calls and not to call again. 

He called back at XXXX XXXX EST on XX/XX/XXXX and I again advised him not to call this number, it is a business line and it is not allowed. 

XXXX XXXX  EST XX/XX/XXXX, he called again, I did not pick up. 

This is beyond harassment and he is knowingly putting my job in jeopardy. This is very unprofessional and needs to stop. He has my personal phone number, there is no reason for him to call and harass me at work repeatedly.
Consumer complaint received 2018-06-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.
Consumer complaint received 2023-05-22
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. (MI)

On XX/XX/XXXX i submitted a dispute with Equifax for an account that has incomplete information on my report. On XX/XX/XXXX Equifax completed the dispute investigation and determined that the account was valid and showing correct information, however this account is still showing incomplete info. 

XXXX XXXX XXXX XXXX - This account is inaccurate and incomplete, please see attached docs, please see Inaccuracies below. 

This account has a " Last Payment Made '' date of XX/XX/XXXX but the payment history is incomplete, how can you have a last payment made date but don't have any payment history. This account is incomplete please remove. 

This account Payment History is incomplete According to the Fair Credit Reporting Act ( FCRA ) in Section 606 Disclosure of investigation ( 1681d ) Section 607 Compliance Procedures ( 1681e ), Section 609 Disclosure to Consumer ( 1681g ), Section 611 Procedures in case of dispute accuracy ( 1681i ), and Section 623 Responsibilities of Furnisher of information to consumer ( 1681s-3 ).
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Complaint Type : Product Issues Description of Complaint : I had three cards with this Citibank, but in 2020 EVERY MONTH they reduce my available credit limit. This impacted my credit score by lowering the available credit to debt ratio. One of my other banks increased my available credit during the same time period. Because of Citibank actions alone, I suffered from a declining credit score every month. I was able to close out two of the accounts to slow down the damage, but I have one card left. I suspect as soon as I get rid of this card my credit score will rebound quickly. I have many banks all in great standing, this is the only bank I have had issues with. 
I feel like they are in direct violation of the Consumer Financial Protection Bureau and Federal Trade Commission 's Division of Credit Practices policies as my credit has been harmed by their actions and none of my own.
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I recently received a copy of my credit report. I noticed several collections accounts reported by First Federal Credit Control for alleged medical debt. I wrote a letter to this collection agency onXX/XX/XXXX and sent it to them certified mail. In my letter, I requested validation of the alleged debt and HIPAA authorization. I advised them I did not recall giving my permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a 3rd party. I requested a breakdown of fees including any collection costs and medical charges. I also requested a copy of my signature with the provider of service to release my medical information to them. Lastly I requested that all reporting to any credit bureau cease until the alleged debt was validated by myself. I did not receive any paperwork showing my signature or authorization to release my personal medical information. I received copies of specific diagnosis codes with personal medical information, service dates and charges. I have also filed a complaint with the Office for Civil Rights due to my strong belief that my health information privacy acts was violated.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my checking acct was charged {$6.00} and XXXX for XXXX XXXX  samples and capsules  with " free shipping '' by XXXX. I called up merchant at XXXX for XX/XX/XXXX unauthorized charges of {$99.00} and XXXX for a " subscription '' i never ordered nor received which they confirmed by XX/XX/XXXX emails to me with cancellation XXXX and XXXX saying " ... subscription status ... updated and any ongoing or all future charges have been cancelled... ''. I faxed, mailed back Citibank dispute forms from XXXX, emailed XXXX and forwarded merchants ' cancellation emails from XXXX and calling up merchant several times at XXXX. On XXXX Citibank charges me {$34.00} for overdraft from their inaction on my disputes and XXXX emails me that no refund comes from them as i've disputed unauthorized charges.
Consumer complaint received 2018-06-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC (CA)

I applied for a title loan. I was approved and a notary met me where I had to sign some documents. One of those documents was consent to automatically take the payment from my account every month. My husband had passed away, I was going through XXXX XXXX myself and then had a life threatening stalker and had to move out of the only city i have lived in for 46 years. I did not pay attention to my account. i should have. The loan payment was not coming out of my account. The first payment was due XX/XX/XXXX. in XX/XX/XXXX I was at a friends taking care of his mom after XXXX and the a company came and repossessed my car. When my car was taken I had had a qtr less than a full tank of gas. When I picked the car up, the tank was empty, my tire was flat, a rosary that my grandmother gave me that was blessed by the pope had been ripped from the rear view mirror because there were only 2 pieces left. My battery was dead. The place I picked it up from had to give me a jump start to get it started. They have yet to report to the credit that the car is not repossessed, they have yet to respond to several emails and a few phone conversations they keep demanding their payment which I intended to pay off with my tax return, I had done everything they asked of me, and yet, I STILL have no word on the status of my belongings or the damage to my car. And my credit score is getting worse and worse after working so hard on it since my credit went bad as I was a stay at home Mom when my husband was first sick. This is not ok. I have emails, automated voice messages, and haven't heard from them in some time now. It has been 4 months. And nothing is resolved. I need a tire, a plastic piece that goes under my hood, the XXXX XXXX that I am paying monthly for because it's on a contract, A new battery, a tank of gas, and the rest of my belongings. From day 1 they did not do anything they stated they were. I can not even get my XXXX year old son a car because they have damaged my credit because I will not pay anymore payments, ( which I had made 2 payments since then but they have yet to resolve any issues with my things ) so I refuse until they give me some resolution. I have all documentation backing this up. But am at work so I will send them when I get home.
Consumer complaint received 2018-06-19
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. (TX)

I was a victim of inquiry issue and Ive reported this several times and nothing has been done Thru Transunion and XXXX. Name of companies are ally financial, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these inquiries were made in XXXX and XXXX.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (SD)

I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (TX)

Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I sent money to my niece thru Paypal choosing the Friends and Family transfer option. The money was sent directly from my checking account. The transaction was made on XX/XX/XXXX for the amount of {$400.00} and a transaction fee of {$2.00}. Transaction ID # XXXX, sent from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ). The receipt indicated that the person is going to receive the money on XX/XX/XXXX.  My niece needed this money for an out of country trip. I called Paypal the same day asking them when was she going to receive it. They told me within 1 to 2 business days. My niece has still not received the money, it shows pending on her account. I called Paypal on XX/XX/XXXX, and they told me that my niece has to call them. I've also exchange about 8 messages or so with them and no resolution yet. They told me that they have to verify her account. However, her account is verified as she's been using Paypal before, and it does not take this long for an account to be verified. My niece has also contacted them thru emailed messages, and has been ignored and received automated responses. After so many tries, she's received an email saying that she has to wait 21 days for the money to be released, and that the transfer was made thru the Goods and Services option. 
I'm the one who made the transfer, and it was made thru Friends and Family option. I need to know where my money is. I did not agree for Paypal to make the delivery after 21 days. On their website it says that the money gets transferred instantly or within 1 to 2 business days. On my receipt is printed that she is going to get the money the next day. 
I have copies of the emails i exchanged if you need that information. 

Thank you
Consumer complaint received 2018-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NC)

Hello, and I filed this case with NC Comptroller of Currency # XXXX. Wells Fargo says in a letter of response dated XX/XX/18 that they are updating my information. there are several problems with that. I have two accounts with them 1. they closed one account with a merchant because they no longer due business with them, that reflects badly on me, and my payments are not full payments, but they are reporting me 90 days late. 
2. the other account also partial payments, and they say they will update the info. 
3. I called XXXX XXXX, and she said that XXXX was working on my case, but that she was not available. This is what all the banks due ; i.e., XXXX   XXXX XXXX included, when they don't want to fix or report your payment history correctly, they just want to massacre your report, with no regard to it's impact on the consumer. 
4. Can I get instruction on how to take Wells Fargo to small claims court to claim damages, on my behalf, and what can I use to prove my case. 

I do appreciate your interest in my complaint, this agency and a recourse for consumers
Consumer complaint received 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have been a customer with Credit Acceptance Corporation since XX/XX/XXXX. My XX/XX/XXXX used vehicle is unfortunately financed through them. I have XXXX and have recently been undergoing XXXX. I had a payment that was due on XX/XX/XXXX. My next payment was just due on XX/XX/XXXX. A few days ago I called and spoke with a rep and Supervisor on XX/XX/XXXX and told them I was in the hospital and asked if they could give me an extension until the end of the month to catch up payment. They said no and that the disabling switch to cut off the car would go into effect in a couple days by XX/XX/XXXX if I didn't make at least the payment if {$290.00}. I asked if they could put that one payment at the end of the loan due to the circumstances and stated that they do not provide that option. So if you get sick you loose your car. They will disable it from starting and start the repo process. It does not matter how many years of payments you've invested into paying these people. When I purchased this car the dealership stated this was one of the lenders quick to say yes but you don't know how bad the lender is until you start dealing with them. With no options for customers when they have a financial hardship especially due to sickness this lender is not providing consumers with good car loans. They are simply in business for profit and could careless about the consumer. This company needs to be investigated for its practices for no options for consumers to put at least one payment at the end of their loan or the ability to make even a partial payment. Consumers get XXXX   with company. They need to fulfill my request.
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

Yesterday a customer purchased and item on XXXX and then cancelled order and paypal issued a full refund to customer but deducted XXXX cents from our business. When we called Paypal this morning, we were informed we were charged a processing fee for the transaction, and from now on we will be charged the entire service fee XXXX {$2.00} for this transaction, who knows for next one ) as a processing fee. We are just sitting here running a business and had no part of the process and was charged XXXX this time but going forward the entire service fee to the business is very unfair business policy.