davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

In my previous complaint, I wrote that I disputed online with Experian on XX/XX/18. 
I had uploaded all my documentation and sent it on its merry way. I logged into my experain account today and tried to check on the status of this dispute. It was not showing. 
I than called Experian and they said that they have nothing from me from XX/XX/18. This is a XXXX! I know that it was upload and submitted, and now it is not there. XXXX said that it was a re dispute of another dispute and said that they will not dispute again. Well if she knew if was a re dispute than that proves that my dispute on XX/XX/18 was uploaded and she just blew Experian out of the water. I was not trying to dispute with the company again. I was asking for follow suit to the other credit bureaus and to remove this item from my Experian report. I sent in documentation to you, and Experian that XXXX  and XXXX deleted off credit reports. I was also told that Experian does do follow suits, but again that was a lie and I know this for a fact because they have done it for me 2 times in the last few months. 
Experian is a bunch of XXXX and they are not doing their job correctlty and lie about all sorts of things that are untrue.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2019 XXXX issued me a check for the amount of {$4000.00} via direct deposit, which I arranged to be deposited to my PayPal account. PayPal refuses to release my money to me. Every single time I attempt to utilize my funds I receive an error message. I have called numerous times about this matter. On XX/XX/2019 the money posted to my account and should have been readily available for my use however PayPal is attempting to steal my money from me by keeping it away from me. This company is guilty of gross misconduct, false advertisement, and fraud. PayPal has time and again promised me and " Rest assured you will have your money within 24 hours ''. These people are criminals of the worst kind and I have incurred damages as a result. Additionally PayPal made sure to deduct funds from the deposit to pay itself.
Consumer complaint received 2018-09-25
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. (MI)

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, TransUnion, XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Consumer complaint received 2018-05-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C. (GA)

Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.
Consumer complaint received 2018-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I was sued by automobile Acceptance Corporation and they were represented by XXXX XXXX XXXX XXXX XXXX  XXXX. 
They garnished my wages for over a year until the balance was paid. Years later it is still showing on my credit as having a balance. XXXX XXXX XXXX and XXXX was closed down in 2015 and they were sued by the federal government for collecting debts from civilians that was not owed and I am sure that I am one of them. I want the balance to be removed from my credit report and I also want any money returned to me that was not owed or demanded in the original court document. I have not been contacted by the plaintiffs or by this law firm since the garnishment stopped.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MD)

Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/XXXX of 2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. 

My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded
Consumer complaint received 2017-03-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Devon Financial Services, Inc. (IL)

I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
XXXX
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (WA)

they were never taken off i have 3 old ones on the XXXX  credit report that should have been taken off. just like they were taken off my XXXX   XXXX CREDIT REPORT. I have complained about this thousands of time and nothing has happen. 
ones for {$170.00}, {$170.00}, {$200.00}, Now there is another one on here i have never heard of or seen anything about for {$660.00} or something like that. please help me i am just trying to fix my credit reports up so there all right around the same.
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I have been on the IBR ( Income Sensitive Repayment program ) for approx 10 years. I live in a rural area. Beginning in XXXX, I started the reestablishment of that process that I have done many times. I ran off the application on studentloans.gov, filled it out and mailed it to XXXX XXXX, PA. I also signed a document of my monthly income and included it with the mailing. Approx one month later I received an email stating that my payment options had changed and I was  late on a payment. I called Navient to find out why and no one could tell me. All they could do was consolidate my loans. I did that many years ago! I forgot to state that I also gave them access to my income tax statement. I have talked to probably 6 different people and no one has explained why they are trying to put me in default. I also filled out the application online for IBR and answered their questions and it stated that I would qualify for no payment because of my lack of income, but, no one could tell me why they are not accepting any of my applications or proof of income. They keep saying I'm late on a payment and calling almost every hour!! Please help.
Consumer complaint received 2019-04-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

1. I have a mortgage with ditech 2. Ditech is charging me more than is required to pay the loan. 
3. Ditech is charging me more than {$37.00} in excess of the proper monthly payment. 
4. I paid Ditech {$1000.00} with instructions to apply to my escrow account. Ditech has categorically refused to apply this funds to escrow account. 
5. Starting XX/XX/2018 Ditech again increased my monthly payment to another {$70.00} per month without any reason. 
6. Ditech is charging interest on actuarial basis without my approval and prior agreement.
Consumer complaint received 2018-09-25
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: EQUIFAX, INC. (SC)

have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed online by a person that told me to send them money in exchange for XXXX. The account has been scamming lots of people and I notified Chase of this fraud account and to check all the cash that has been sent to his account. I posted on twitter to raise awareness of this issue and there has been a lot of people scammed into the same scheme of sending this guy money. His name is XXXX XXXX. I have the email account he used. XXXX He uses this email on XXXX  to get money. I asked chase to reverse the transaction since he has scammed me out of {$3600.00}. As of today, Chase has denied my claim and sees no fraudulent activity whatsoever. The guy even came forward and said he was scammed as well. I want my money back. There is no protection whatsoever. The account and email he uses has fraudulent activity on it. Cash going in and out. Chase refuses to do anything to rectify the situation. Why partner with  XXXX if they are just going to XXXX people. It might not be a lot but this is theft to me. Money gone for nothing.
Consumer complaint received 2018-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Consumer complaint received 2018-09-25
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. (GA)

I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all 3 Credit Bureaus and XXXX as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court.  So the credit bureaus and XXXX verification method on how they verified the Bankruptcy is invalid.
Consumer complaint received 2018-09-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Eagle Financial Services, Inc. (OH)

In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX  XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle. 

I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry. 

Later in XXXX, another hard inquiry from XXXX  XXXX  from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not. 

I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills. 

I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations. 

Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX. 

I have disputed both hard inquiries through XXXX  and XXXX. XXXX took them off. XXXX  states that they stand due to XXXX XXXX  stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I noticed I had an account on my credit that does not belong to me. It was open on XXXX XXXX XXXX XXXX XXXXXXXX. I contacted the company to let them know that I never lived at the address they have on file. I would like to get proof of debt, payment history, a sign signature of mine to prove its my debt. Under 15 USC 1681b and 1692G the credit bureaus are reporting inaccurate information
Consumer complaint received 2019-07-26
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: SYNCHRONY FINANCIAL (FL)

A few months ago I opened an account with Care Credit to help me pay for any big Dental bills. They have plans that allow me to pay over 12 months same as cash. Yesterday, XX/XX/2019, I received an " upgraded '' Mastercard without even asking for the upgrade. Naturally I rejected the card and when speaking to the agent on the phone I explained that I was quite upset for two reasons. First they had no right to send me this card without my permission. Second, I have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score. To me this is a predatory action and must be stopped.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Arete Financial Group (NM)

They called me on the phone and they told they were going to consolidate my loan to a single payment. They told me that they would help me stop paying two loans every month. I said OK and then they said they were going to charge me {$5800.00} for both of my loans which is about {$6400.00}. I agreed, after a few months i found out they were not paying, then i called them several times and they don't pick up my call. Later they called me back and said I did not have enough money so i said OK. I continued paying until i got to {$1900.00} and called them and they told me that they had started paying so I was happy and continued paying. Then I received a call from the loan company and they stated they have not received any payments. Then I called them and they stated they were speaking to a particular person. After that call i called my bank and stopped payment due to losing my job. I have been calling them to cancel the whole thing, I was able to talk to them after several calls, they told me they sent me an email stating they had canceled. they also left me a voicemail to call them back. Every time I call their toll free number I get the operator and they transfer me to another company that sells cars and they state it is the wrong number. Since then I have been calling them so they can refund my money and all they refunded me was {$5.00} which I was paying {$250.00} a month from XX/XX/2018 til XX/XX/2018. I then started paying {$280.00} a month then to XXXX. A total of {$2400.00}, out of this balance they only paid {$600.00} to one of the loan company. I have a bad credit no money and I don't know where my {$1800.00} is! I haven't heard from them.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I purchase a XXXX TV in XX/XX/2016 with chase sapphire reserve. Chase Sapphire reserve has a purchase protection plan which covers Eligible personal property that has been damaged, stolen, or involuntary and accidental parting with property within 120 days from the date of purchase. 

We found the problem with TV about XX/XX/XXXX. We chatted with XXXX and they asked us to ship the TV to their shop. For the cost and inconvenience, we decide to use purchase protection. We called chase and was referred to the one of department. The department asked us to ask a repair shop to estimate the cost of repair. I asked a shop to come by to do the investigation. After checking, they stated 'Can not find the part in XXXX ' and charged me about {$160.00} for investigation. I submitted the report to chase. They reimbursed {$160.00}. I did not get the payment so I called back and was told my case was closed. It looks like they messed up the investigation cost and repair cost but refused to admit their mistake. I chatted with some people in Chase but they still refused to reopen the case and said I should use my own warranty and it is not covered by purchase protection. 

I can not understand, if it is not covered by purchase protection, 1. Why they asked me to do estimation from repair shop 2. Why they would reimburse the investigation cost I opened a case with XXXX but no luck. I happened to know CFPB so I opened a new case and hopefully it will help.