davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MN)

We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (TX)

I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I recently appplied for a loan  with Credit Acceptance i n  XXXX . In  XXXX  I was admitted into he hospital for 2 months and fell behind on my payments. Consequently, I the collection calls started coming in.     I recieved a call fr om Credit Acceptance in  the month of  XXXX  and was told that a full payment of {$280.00} was due today to avoid repossession. Once payment was made over the phone, the associate would then contact the towing company and tell them to cancel the repossession process. The payment was made and the account was settled I called again in  XXXX  to make arrangements w ith Credit Acceptance so that I could build a rapport with them. I al so inquired with the associate what their policy and time frames were on repossessing vehicles and told about the situation that happened in  XXXX . She informed that the associate had no right telling me that my car is was about to get repossed without an immediate payment and she then apologized on behalf of the company. Naturally I felt confused and lost peace of mind with  Credit Acceptance.      It is now  XXXX  and I fulfilled my arrangement of {$100.00} to keep the account satisfied. They called again today  XXXX / XXXX /   2017 a nd I spoke with an associate to make further arrangements. I told what I could afford and when the payment would be made. She did n't accept my offer and when I tried to explain to her my hardship situation she not only interrupted me several times but was condescending and threatening. She then further threatened to notate my account and said I was being " uncooperative ''.     I understand th at Credit Acceptance h as a job to do it collecting payments. But I do not have any peace of mind with this company. They are very aggressive with their collection calls and ask me inappropriates questions like " in order to make payments can you ask your parents for help? Or can you ask your relatives for help? '' These questions make me feel uncomfortable.     I also need them to give me a clear understanding of what their policy is on repossessing vehicles. I was told that as long as I make arrangements with them I can avoid that consequence but each time I speak with this bank I get different answers. As a result I wake up every day  XXXX  wondering if my car will be gone or not.
Consumer complaint received 2017-05-03
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: JPMORGAN CHASE & CO. (WA)

I requested a credit line increase on m y Chase  credit card. They said they would need to run my cred it ( har d inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  X/X/2017    and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted   XXXX   disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times Chase with no answer. In summary, Chase performed an explicitly unauthorized access to my  credit score , violating my rights, and perhaps violating the law, and they are not doing anything to fix it.   XXXX    denied without major reasons my request to fix this, in spite of the supposedly communication sent by Chase reporting the inquiry as erroneous.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MD)

Between XX/XX/XXXX through XXXX the third, I purchased a XXXX of the commercial Espresso coffee machines from XXXX website using a PayPal and Venmo to make the payment. However I didnt not received any item from the seller. All I was getting was a email and message saying that, the items are successfully delivered. The only thing that I received from the website is a silver dollar. I received same exact thing, silver coins. Once I realized that, the site is scam, I opened a dispute complaint on XXXX XXXX with PayPal, Venmo, the website and my bank institution. 
All disputed charge with Venmo was successfully resolved. I received a a refund for all charges. The website did refunded. But with PayPal, out of XXXX transactions, I received a refund for XXXX items and still waiting on the XXXX more. In the amount of XXXX still waiting to get resolved. The XXXX transactions that Im still waiting to get a resolution from my bank institution and or PayPal and its taking too long. Every time I call to my bank, they tell me to contact PayPal, when I call PayPal, they tell me to contact my bank.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (CA)

I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.

I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (WA)

On XX/XX/2017, XXXX XXXX XXXX XXXX offered a good deal on a credit card. Then, without my knowledge, someone in my family applied for the card for me. But to my surprise, I saw on my credit report that I was declined for something I didn't apply for! Therefore, it's a complete mistake as I wouldn't apply for a non-secured credit card with the short amount of credit history that I have!
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My XXXX XXXX XXXX XXXX XXXX is being serviced by Heartland ECSI. 

Under the terms of the loan I qualify for loan deferment under the terms of the loan as a currently enrolled XXXX XXXX 

In the past Heartland has been able to, and has access to my enrolment information through the XXXX XXXX XXXX. The loan was deferred until the end date of my program provided I remained enrolled in the program. 

As of now they will only defer the loan when I physically go to my school and have the form every single semester, even though they are able to - and required to - check that information for themselves. 

Ive been instructed by my XXXX  schools financial aid department who usually signs the form to file this complaint to get ECSI to continue to confirm my enrolment themselves - given all of the deferment forms I have submitted thus far state clearly my program will end in XX/XX/2028. 

My financial aid department says that coming in every single semester like this is highly unusual.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

We applied multiple times for Capital One XXXX XXXX account online, and we keep being declined. When we call customer service, they can not provide us a reason on why we are being declined, and they keep telling us they are going to send us an e-mail. I was escalated to a supervisor, and got the same run around
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX
Consumer complaint received 2018-09-29
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: EQUIFAX, INC. (TN)

On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

Certified Letter sent to collection XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX debt. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.
Consumer complaint received 2018-07-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma (NJ)

When viewing my credit report through CreditKarma, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with CreditKarma, XXXX, and XXXX.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
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I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
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Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
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I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.
Consumer complaint received 2017-05-04
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.
Consumer complaint received 2018-09-29
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. (IL)

I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.