davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (VA)

Summary : I believe the advertised offer terms on the website did not represent the terms the company actually booked me under. I suspect that the company had recently changed its policy but had not yet updated its marketing to reflect that ( since the marketing was updated to XXXX points several days later ), effectively falsely advertising what its offer was to me and other consumers. 

Details : I applied for a Wyndham Rewards XXXX card ( which operates through Barclays US ) due to an advertisement on its website that stipulated that {$2000.00} of spend within a certain timeframe would be rewarded with XXXX points. I met the terms of this offer but was only automatically rewarded XXXX points. The first time I called the company about this ( on XX/XX/2024 ), they noted their error and said I'd get the remaining XXXX points in the next XXXX business days. When I called again on XX/XX/2024 noting the additional points had not been given, the company said they had no record of the XX/XX/2024 resolution and said my contract only stipulated XXXX points, not XXXX, so I would not be given any additional points. I've asked the company to do an investigation ( which they are conducting ), but XXXX ) it was indicated that it's highly likely I will not be given the XXXX remaining points and XXXX ) the company will not finish the investigation for XXXX billing cycles ( months ).
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance has not fully acknowledged its predatory lending practices and harassment tactics concerning fraudulent reporting missed payments on credit reports. Credit acceptance has been paid by my insurance company and they themselves have made a settlement toward the balance of the vehicle along with a gap insurance settlement toward the XXXX XXXX book appraisal of the vehicle. Rendering it paid off, how ever credit acceptance continues to come after me for the interest on the vehicle. Currently they are seeking {$950.00} dollars from me in settlement, which is a 80 % discount from what they are reporting to the credit agencies.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

I send funds from my US Account to Coinbase. It instantly arrived. I purchased Cryptocurrencies with it. After trying to withdraw my Cryptocurrencies, it stated that I need to wait 3 to 5 days prior to being able to withdraw. After 5 days I initiated a withdrawal, which then was stated as 'failed '. After that, my account was said to be restricted due to malicious activity and that any withdrawal is not possible until XX/XX/XXXX. Upon asking over and over as to why, they only stated that nothing can be done than wait until said date is reached. They did not explain as to why this restriction was put on my account nor did they give disclosure whether I can help to lift that ban or not. 
It is highly frustrating since I wanted to use the funds to my external wallet. It makes me highly suspicious and I feel like they do not want me to withdraw my cryptocurrencies from their website. This leaves me vulnerable.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My balance of {$58.00} was due on XXXX XX/XX/XXXX as stated on the payment coupon. I called and paid that sum... payment directly from my checking account. I was told I was late and I challenged " what could be wrong "? 
They responded it was very clearly stated on the billing that payment must be made by XXXX XXXX that day. 
On the payment coupon there is small print on upper right corner " see reverse for important information ". On reverse side there is in small print noting the XXXX XXXX  XXXX. 
Also on front of page again in small fine print mentioning XXXX XXXX  ET deadline. 
I pay in good faith the balance due with registered checking account by or on the day stated on the payment coupon to avoid having to deal with fine print. 
They wouldn't do anything regarding my challenge of their charges on that call. 
In subsequent discussions with two consumer representatives and their supervisors they would not erase the late fee or interest. One supervisor said they would refund late fee/ the other said they would refund the interest charge. 
I contacted XXXX where I made the original purchases and where I've been a member for over 45 years and they said they did advocate for me but Capital One mentioned something about they had given me consideration in maybe XX/XX/XXXX and again in XX/XX/XXXX. This was mentioned at the end of conversation and more in passing than a reason. I remember having to request a paper billing as they began with only online billing which I would never request. I don't remember nor did they describe the other " consideration " they gave me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX OF XXXX MO XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hiday & Ricke, P.A. (FL)

I believe Hiday & Ricke , P.A . are trying to, once again, fraudulently collect on an old debt from over 20 years ago. Apparently there was an arbitration in XXXX that I knew nothing about and was not present at any of these apparent proceeding. In my attempts to trace any possible old debt, all I could find was a possible old XXXXXXXX XXXX XXXX that my wife had used that had less than {$1000.00} limit on. I am unfamiliar with any of the names or companies listed. I've never done any business with XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX  XXXX. AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX XXXX. Apparently they won a judgement against me for {$22000.00} and the nightmare began. Almost 15 years ago they use the courts to take money from my bank account and then contacted my school ( XXXX XXXX XXXX  ) attempted to garnish my wages. My embarrassment and my ignorance of the law found me trapped in a meeting agreeing to a payment plan for I debt I had never heard of or that exceeded any possible old debt they may have purchased. I paid them over the next several years over {$10000.00}. I missed a payment one month and they sent me a letter stating that I owed them {$41000.00}. That's when I knew that this can not be legal. How is that possible? They continued to place exorbitant fines and interest that continued to double the debt. I tried to fight them in count representing myself and was predictably overwhelmed and swamped with legalese. They put a lien on my wifes car and disappeared for 6 years. I received a Subpoena Duces Tecum Without Deposition two weeks ago. I wrote them to again contest and again asked for the source of the original debt and to appeal for some resolution. No response. Today I received a letter from my bank that they had received a subpoena for my band records from Hiday & Ricke and I have till the XXXX of XXXX to have my attorney respond. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This law firm is set on destroying everything I have without a second thought and milking me for as much as they can get. How can I end this nightmare? I am not the only victim of this Company. There are multiple stories of this firms abusive and heartless tactics all across the state.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act convergent Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (IL)

Ive noticed a pattern, every so often about every year or so I would receive a notification from XXXX  claiming theres a collections debt owed to XXXX, every time it showed up on my account I disputed it and XXXX took care of the issue. Although what bothers me is it keep reacurring under a different name each time, I have no idea why, I dont have any ties with this company nor have I purchased any of their services, I want it gone and off of my credit report, they're hurting my credit each time it does this which affects me.
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

The company, Upstart Network , Inc, re-structured my payment terms from a monthlypayment amount of {$1800.00} to {$2500.00} a month. Part of the te-structuring agreement wasthat they will consider the loan current and report them to the credit bureas as current. Ikept my agreement even thought it cost me over XXXX more a month. I also paid off the XXXX months earlier ( I paid it off in XX/XX/XXXX, 7 months before the maturity date of XX/XX/XXXX ) .This re-structuring of the loan and the terms were all done over the phone. I kept my part ofthe agreement, but the company did not correct the information on my XXXX, XXXX and XXXX credit reports. They show late for these months. I called thecompany again and the rep I spoke with said she will put in the request and that they willtake care of it. I reached out to the credit bureaus and disputed the information on my creditreport but the company still did not correct it. This is not fair.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX U.S.CIVIL CODE 241 & 242, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (FL)

This is a followup to a previous claim XXXX. The complaint process is listed as complete and closed however, there are outstanding questions and concerns which have not yet been addressed by the company, et al. 

These are the questions I submitted on XX/XX/XXXX : XXXX ) Why was I not informed that the refund should be returned? There were no conditions or stipulations communicated when I requested or received the refund check, or at any time to this day. XXXX ) Why was I not informed that the loans were being transferred to AidVantage? XXXX ) Why was I not made aware that the balance was being reinstated on my XXXX XXXX? XXXX ) Why was I not informed that the refund would need to be returned before the XXXX forbearance ended? I was not given the opportunity to have the paid in full status reinstated as I was not informed that it was due or of the deadline. XXXX ) Why was I told by AidVantage that my loans are currently in forbearance which would mean the loans were not accruing interest yet, according to the company 's CFPB response, interest has been accruing since XX/XX/XXXX? 

Thank you.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX my account was accessed by someone who acted as if they were a Navy Federal employee without me providing any information to them at all. They were able to request and approve a loan under my name and tramsferred to a differenr account. I immediately called Navy Fed and let them know of the situation. After a week, they are still holding me accountable for that loan.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I filed for bankruptcy in XXXX due to a layoff. The only items I included were my personal credit cards. I had a joint mortgage with my wife, that I did not include in my bankruptcy. I never missed a payment, there were no late payments, and the mortgage was paid in full when we sold that house in XX/XX/XXXX. I've contacted the mortgage company multiple times that it was not included, and they have that information, but they keep listing the account as " Discharged in XXXX  XXXX Bankruptcy ''. They have the complete payment history showing that it was paid in full, and never late, and not discharged. I'm not sure what I need to do on my end, but I've also contacted their consumer advocacy department to get this corrected, with no progress.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXX XXXX XXXX  - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXXXXXX XXXX XXXX Mortage - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Escrow was suddenly placed on my account due to lapse of insurance policy. Mr Copper never sent me any email or mail. Agent of Mr Copper dated XXXX XXXX mentioned that email was sent to my email id and hence escrow was initiated. I had mentioned as a deed I signed during the closure notices have to be mailed. XXXX XXXX Mr Copper agent mentioned that notices were mailed. So there is clearly misinterpretation of facts and Mr copper is doing fraud.

Please initiate an investigation on Mr Copper on this fraud practices to earn money
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023, i completed two transfers of {$1.00} ( Transfer 1 ) and {$630.00} ( Transfer 2 ) to your Business Account balance. On that same day, you completed two transfers totaling {$630.00} from your Business Account to your Personal Account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (NV)

I am emailing to report a serious problem with XXXX servicing a licensed mortgage company within the state of AZ. XXXX XXXX XXXX XXXX  License XXXX XXXX XXXX XXXX License XXXX On XX/XX/year> a payoff was requested via email per the customer service agents instructions. She stated it should take 3-5 business days. I waited the allotted time and called in at the end of day 5 having not received the payoff, that was this past Monday XX/XX/XXXX. They could not explain why I had not received it and the agent said she spoke with her XXXX to expedite the request and that we should receive it no later than Wednesday XX/XX/XXXX. We again did not receive the payoff so I again called on Thursday XX/XX/XXXX to find out what happened and the agent could not locate the request. I let her know that per Federal law they are required to provide the payoff document within 7 days of the borrower 's request. The agent then said she would handle it right away and had me create an account and sign into the portal on the company website. She stated that she had submitted for the payoff document and should have it within 30 minutes and I would receive an alert to login and it would be in my portal, she said she would follow up that afternoon. Well here we are nearly 2 weeks later and I have no alert, no payoff and never received the payoff.

The loans are as follows : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, I XXXX XXXX authorize you to send a payoff quote for the above mentioned accounts for payoff through XXXX. 
Borrower : XXXX XXXX XXXX XXXX XXXX XXXX AZ # XXXX XXXX XXXX XXXX AZ # XXXX I would like to formally lodge a complaint against the licensee and have these issues investigated. 

XXXX XXXX XXXX Accelerated RE | Management & Investments XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX NV. XXXX XXXX cell
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (GA)

In accordance with the Fair Credit Reporting act XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.