davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Ive recently been made aware of consumer law and the violations that have been made against me. As a result of this im LEARNING how to undue all the damage that has been done over the years. One of these companies in violation of TILA and CFPB requirements is CREDIT ACCEPTANCE CORPERATION. i will attach all files needed. This company has not clearly and inconspicuously made clear to me if the amount was paid at purchase and if not and is to be credited in installments they also have not made it CLEAR the steps for me to take in which they will accept the payment coupon theyve sent to me numerous times along with asking for ADDITIONAL payment. I have tried to work it out with the company with a written notice AND affidavit of truth sent via certified mail. As i use the tracking number on the mail sent i can see that it has not been picked up and has repeatedly been avoided. I am excersing my right to express i see billing errors and want to dispute the amount since they are not being CLEAR to me what the amount is who the creditor is who the lender is when has it been paid and how can i properly endorse the coupon they send to me monthly. Also the company has not sent a statement or any mail since XX/XX/ it is now XX/XX/ at the time of this complaint and although they do not send statements monthly as required, they repeatedly call me asking to pay a debt. 

The law codes for the violations that have been spotted are found under : 15 USC 1026.10 15 usc 1026.13 ( a ) ( 2 ) 4 and 7 15 USC 1605 determination of finance charge The latter violation is the biggest violation as it leads to other violations on the fals narritive that this has not already been paid for pursuant to 15 usc 1605 And the final violation spotted 15 usc 1666b Constantly reporting late payments.

The law codes that describe the fines for violations are found under 15 usc 1681m I understand that the CFPB has a process and a way of handling these complaints and as the consumer that is learning how to handle the violations i ask that you instruct me of any additional information for confirmation or investigation that you need from me. I will gladly cooperate with the CFPB on any information gathering reguarding this complaint. 

I am aware of the fines for each violation being in between {$100.00} and {$1000.00}, no more no less. And i want the full {$100.00} per violation. I have a statement marked with the billing errors per violation. 

Resolution of this complaint needed would be the fee for the violations made and the IMMEDIATE correction of the account according to the outcomes of the CFPB investigation. I authorize the CFPB to use their best discretion in determining a resolution with the violations seen AND not seen or expressed.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

On XX/XX/, my account was removed from administrative forbearance for no reason and is supposed to be in forbearance until they can process my student loan discharge which the Department of Education has approved. Mohela has all of this information, and I called yesterday and was told after waiting for more than 2 hours that the forbearance was removed because of an error and that it would be put back in place, however, on XX/XX/. I received a bill that I owed a payment. Therefore it is obvious that they did not complete the process or follow through with their word. Last time it took three complaints from the Department of education to get the account put in administrative forbearance in the first place because of my borrow defense application and the lawsuit approval of which they have all of the correspondence and information from the department of Education, which they have received at least two times, and a letter from me as well.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I purchased a sandwich at a XXXX restaurant operated by XXXX on XX/XX/2019. The charge should have been {$7.00}, instead I was charged {$77.00}. I did not see this on the receipt I signed - I don't deny that it probably WAS there, but there was a line and I was trying to get out of it as fast as possible. I was verbally informed that the cost was {$7.00}. 

I attempted to resolve this directly with the bank when I discovered the error several days later. I filed a dispute for the difference. 

The dispute was denied in mid-XXXX. I called the bank and they told me that they did not contact the merchant at all. Their decision was that because the card was present the charge was not in error. 

Seriously? What is the point of a dispute process if the bank won't even do the bare minimum?
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me bs excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC (AZ)

This company has asked me to borrow money from family or friends to pay them. They have asked me to take out a loan from another company to pay them. They said I need to prioritize my debts by paying them before I take care of my medical issues. This led them to telling me that I should get better insurance so my deductables are cheaper. 

They refuse to take payments that are not what they want, even though its something toward the balance
Consumer complaint received 2022-06-14
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. (NV)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Account ( s ) Original Creditor : Orthopedic Physician Associate Collections : Audit and Adjust Opened : XX/XX/2021 Amount : {$520.00} Original Creditor : XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX Opened : XX/XX/2021 Amount : {$26.00} Original Creditor : XXXX XXXX XXXX  NA Collections : NA Opened : XXXX XXXX Amount : {$0.00} Charge-Off
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (VA)

In XX/XX/2023, I signed up for the SAVE plan on the Department of Education website. The XXXX  indicated that it could take up to 15 days for MOHELA to process my application, which seemed reasonable. However, by XX/XX/XXXX, there was no indication that my application had been processed. All three of my remaining student loans indicated that they were on the " PAYE '' repayment plan. 
I took to the website ( I'm a millennial, I avoid talking to people on the phone at all costs ) to try to send a message to check the status of my repayment plan application. However, the website would not allow me to send a message if the topic was on repayment plans -- the website specifically states " Sorry, messaging is not available for this topic. Please choose a different topic, call us or mail us correspondence. '' At this point I was frustrated. I struggle with XXXX, XXXX, and XXXX. Forcing student-debtors to communicate explicitly through phone call prevents people with disabilities from being able to ask questions and receive quick and convenient responses ( not that messages receive quick, convenient, or ANY response, as I will later learn ). 
So I wrote a script for myself and settled in for what I assumed would be a pretty long wait, and I was not wrong. I was on the phone for well over an hour before I even heard a human voice. But what I did get to hear every XXXX seconds was an automated voice reminding me that my issue could be handled online, and wouldn't it be better to do that than wait on hold? " Yes, '' I wanted to shout, " that would be lovely! But I can't, because you won't let me! '' When I finally got through to someone, they told me that they JUST received my application, they were still processing it, and they would get back to me... eventually. But probably in the next two weeks! Well, harried after spending an hour listening to what must be the most annoying soundtrack on earth, I made sure that MOHELA knew of my displeasure, and I wrote them a complaint on XXXX XX/XX/2023. I have attached a copy here. 
Obviously they never got back to me. My three student loans each still reflect that they are on the PAYE plan. I have received no correspondence or acknowledgement from MOHELA that they denied OR approved my application. I am exhausted, and frustrated. I have XXXX, and unfortunately it's the survivable kind. So any sort of forbearance offered by MOHELA is just going to put me into more debt ( because interest continues to accrue and is amortized into the balance of the loan ). The best hope I have to ever get out from under these loans is the SAVE plan, and everything MOHELA has done so far indicates that they have no intention of honoring the application. Please help me.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/23, I received an Auto Debit Withdrawal Confirmation message from MOHELA. The message stated that an automatic payment of {$360.00} would be withdrawn from my checking account on XX/XX/23. Today, XX/XX/23, I checked my bank account and the money has not been withdrawn. I checked the MOHELA website and there is no record of any payment. I am scared of defaulting on my loans which are now under repayment since their administrative forbearances have expired. 

They should have originally taken my automatic payment at some point in XXXX, but they never even sent me a bill, much less take the payment. After 2 months of calling and emailing them, they finally sent me the Auto Debit Withdrawal Confirmation, but they still clearly haven't gotten organized enough to follow through. I'm tired of worrying about this issue. Before COVID, I was on auto-pay and there was never any issue.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I have had a XXXX XXXX XXXX XXXX for years which is supposed to provide XXXX the points for XXXX XXXX purchases which it has not since XXXX of this year. 

I have called the bank on multiple occasions and they keep saying that it's an issue they are aware of company wide and are working on a fix. Originally they said it should be done by XXXX then XXXX and now they are unsure. 

This has not been a problem in the past and it needs to be corrected immediately. The XXXX largest bank in the country clearly has the technology and resources to deliver on the promises they make which is a huge failure in consumer confidence.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi I was charge {$200.00} for item that i never ordered or received.. and my credit card company said they investigated and sided with the person that stole my card or identity ... I am mad as XXXX .... the agent should be fired from capital one.. he don't know what he's doing or has experience he just sides with the other side.. I am mad ... I WANT this removed from my credit card bill {$200.00}
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (SC)

The collection agency is Regional. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (NV)

I am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. 

Credit Plus fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.
Consumer complaint received 2022-12-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have been a member with XXXX since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BAY VALLEY MORTGAGE GROUP (NV)

I am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. 
XX/XX/XXXX XX/XX/XXXX Bay Valley Mortgage group fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. 

XXXX XXXX fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XX/XX/XXXX, Credit Acceptance transferred the XXXX XXXX into their name as a repossession. However, prior to that Credit Acceptance accepted payment and returned the vehicle. Thereafter, Credit Acceptance refused to reissue a new title making the vehicle unable to be registered. No further payments were made and Credit Acceptance refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. Credit Acceptance was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, Credit Acceptance continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming my credit.
Consumer complaint received 2022-12-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (IL)

There was a hard credit pull on my credit report that I didn't authorize on XX/XX/2022 from : Discover Financial Services ( Finance ) ( XXXX ) XXXX The number listed a few days ago was ( XXXX ) XXXX and it's an automated call for XXXX  XXXX and ultimately hangs up on you. 
Somehow I called this exact number by accident on XX/XX/XXXX and heard the exact hearing aid message and then there was a hard credit pull on me. 
I have called discover financial and they never heard of me. 
I have frozen my credit and seriously hope that someone hasn't opened a line of credit in my name.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My phone was stolen and all of my information was compromised including my personal banking information. The person was able to transfer {$4500.00} electronically from my bank account to a third party company. The third party has no contact information so I then reached out to Bank of America multiple times with to initiate a claim and get updates. I was never notified about the status of my claim except for when it was denied and closed without any explanation. I not only had to continuously explain myself 10 different times to 10 different people but not one specialist that I spoke to can accurately tell me the proper protocol for a customer who is experiencing fraud on their account. I also learned that they did not accurately document anything that I told them even after the calls were monitored and recorded. I explained that I am in a situation where I can not move forward as far as maintaining my bills because I did not have the proper funds to do so.