davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (NJ)

I currently use the online portal/payment service AppFolio to make monthly maintenance payments for the condo I own and occupy. I have set the account up to automatically pay the full amount every month, on time, via XXXX from my bank. This has been a convenient way for me to pay since I purchased the property in XXXX. 
As of XX/XX/XXXX, Appfolio has decided to begin charging a {$2.00} fee for every monthly XXXX transaction. I believe this fee is ridiculous given it is an online, automatic payment direct from a bank. It seems like an arbitrary " processing fee '' designed to offset some real or fictional bank fees Appfolio is incurring and they are just passing it on to the consumer. 
I was unable to find a direct number to call Appfolio and their website directed me to my property management company. I reached out to the property management company via email on XX/XX/XXXX noting my displeasure and also brought the matter up directly at a board meeting on XX/XX/XXXX with a management representative present. I was given two other inconvenient payment options but was told that something would be done about the {$2.00} monthly XXXX transaction fee at some point. 
Today, XX/XX/XXXX, my XXXX monthly payment was deducted from my bank account and I was charged the {$2.00} transaction fee. 
Again, this fee seems highly predatory and I hope a qualified individual could look into it and properly assess the situation.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (GA)

I am writing to express my continued frustration and disappointment with the unresolved issues concerning late open accounts and charge off accounts on my credit report, despite my tenth attempt to rectify the situation. 

Despite my persistent efforts to address these inaccuracies, they continue to negatively impact my creditworthiness and financial opportunities. It is deeply concerning that despite providing thorough documentation and following the prescribed procedures, the problems persist without resolution. 

I request that you thoroughly investigate and correct the late open accounts and remove the charge off accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX XXXX  ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-05-29
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. (NY)

MY NAME XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XXXX Todays date XX/XX/year> Looking my credit profile recently noticed a fraudulent credit card ACCOUNT NAME XXXX XXXX XXXX  # : XXXX XXXX XXXX XXXX XXXX ( B ) & 15 USC 1681 1 ( 5 ) I ASK FOR A VALID INVESTIGATION AND DELETION OF THIS ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL Thank you
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-23
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. (SC)

For the past couple of years I have been dealing with Navient since i graduated in XX/XX/2012 ... I dont make a lot of money so I asked to be on a income based plan.. they put me on an income base plan they said I had to make payments for 300 months and send in XXXX paystubs annually.. thats fine.. but every 2 years they have me dealing with other companies through them and they make my payments start over.. telling me to pay amounts I cant afford to get started with their plan.. I didnt catch on to what they were doing until the last time when Navient took XXXX out of my account out of the XXXX I had which made me not be able to pay my bills and still got me behind till right now.. I called Navient and they told me I had to switch plans to XXXX XXXX XXXX and they will get on a payment plan bc Navient has been having a lot of complains lately..They told me the only way to not get that much money taken out is to deal with them, so thats what Im doing.. Something is not right though and Im tired of my months having to start completely over
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit Card which I have never done before. 

American Express said if I spent {$4000.00} in XXXX months I would receive XXXX XXXX XXXX points on my American Express card ending in XXXX. 

In the month of XX/XX/XXXX I confirmed with numerous agents that I met the qualifying {$4000.00} spend amount and would receive the XXXX points. XXXX such agent was XXXX in XXXX XXXX on XX/XX/XXXX. 

I did not receive the XXXX points and in XX/XX/XXXX I wrote to the CEO of American Express XXXX XXXX. 

I was later told in XXXX that both the phone calls as well as the letter to XXXX XXXX were lost. As the letter I wrote was certified to the CEO so someone at American Express headquarters had to sign for it. 

Please credit to my XXXX XXXX frequent guest number XXXX the XXXX points earned and promised by American Express. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-27
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. (NJ)

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC (CA)

My name is XXXX and I have a Title Loan with the company Wilshire Consumer Credit based in XXXX XXXX, CA. I opened a new loan back in XXXX of XXXX with a balance that is logged of {$11000.00}. I've paid numerous of payments that is {$570.00}. Sometimes I split it and paid two payments to make the {$570.00} payment of the month. What I'm concerned is that it is now the end of XX/XX/XXXX and my current balance left is {$11000.00}. They have gotten thousands of dollars from me with no relief of my title loan debt and will be stuck with it longer than it will. Please help me and find out what is going on that they are doing these practices of NOT paying down your principal and instead paying into interest to GAIN for the company by making profit for themselves. I feel that I am not the only one going through with this. My vehicle has over XXXX miles. How bout if one day my car breaks down and I am still stuck with this debt. That is NOT fair. I need help and resolve this loan issue. I am an honest consumer and want what is fair. I feel like I'm being taken advantage. I'm a single mother and widow with XXXX teenagers. 

Thank you. 
XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is reporting fraudulent activity on my credit report on XX/XX/XXXX from XXXX XXXX XXXX contacted the agency and asked for proof that i authorized them to run a credit check on my profile. they have failed to response and provide these documents or proof as of XX/XX/XXXX, XXXX is still reporting fraudulent activity on my report that i do not recognize.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (WA)

I deposited a check for my husbands annuity pay that was paid out to him from the XXXX XXXX, the bank said the check was fraud even though they received the funds, it has been over a year and they still have yet to release any funds
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business Financing Corporation (NC)

The company continues to email other email addresses that are either family members or those unknown to me. I've asked them repeatedly to only contact me at a specific phone number and email address, yet they continue to violate this request. This is emotionally distressing.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently avoided overdue payments on this account, always paying on time. I am unclear about why there are reports of late payments on my account. As stated in 15 USC 1666b, this billing error needs correction.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my XXXX dispute form over the course of several months. XXXX lost it again. When I finally submitted my XXXX dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX XXXX XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX XXXX  rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this XXXX XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (FL)

I opened a checking account on XX/XX/year> with Ally Bank, transferred funds from my XXXX XXXX account into Ally which then decided to close my account and terminate the partnership on XX/XX/XXXX of this year. They've been holding my funds captive with no date or information on when they will release and return my funds. I've called plenty of times and all I received was the run around on when they will officially close my account siting that they're still " investigating '' I'd like to file a complaint against Ally bank based on unfair practices. I would like my money as soon as possible
Consumer complaint received 2024-05-28
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. (TN)

The consumer reporting agency Transunion failed to ensure that the furnisher properly investigated and gave them Transunion complete and accurate information. As it stands the accounts that I have disputed in a 3rd attempt are in violation of 15 USC 1681e ( b ). I want the accounts removed immediately because this consumer reporting agency is approving incomplete and inaccurate account information. There are a total of 3 accounts in their records that are on my credit filed reflecting as inaccurate and incomplete. These accounts either show " No Data '' which implies the account 's incompleteness or subsequential and inaccurately formatted negative items being reported in each of the XXXX account 's payment history as " XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX '' this does not align with accurate reportings of late payment which line up in a specific order as it increases.