davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB, XXXX  has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, XXXX   is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX  ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX  credit file and XXXX credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Consumer complaint received 2019-06-29
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: USCB, Inc. (CA)

Dates : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, ongoing Amount : {$1000.00} On XX/XX/XXXX I sent a letter to the company to identify why this collection account appeared on my credit report. On XX/XX/XXXX, XXXX XXXX from J & L Teamworks received the letter via certified mail ; however, to date I have received no response.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Dear CFPB, Equifax has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from Equifax credit file and XXXX  credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from Equifax ( I'm  trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Consumer complaint received 2019-06-29
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. (MO)

Few years ago my car and home was broken into and my identity was compromised and that lead to unauthorized and unknown accounts on my credit file. The thing with identity theft is that at times it appears to be you but as a victim it has you fighting for your true identity back. It's unfair that the credit reporting agencies report unverified accounts via by electronic Verification inwhich can not be used as proof. The major three credit bureaus are using outdated systems that constantly being hacked. Then the next thing you know your information is public knowledge on the dark web. I'm demanding that this account, ( 1 ) XXXX XXXX be blocked from my credit file immediately. The account is not mines and I'm requesting an detailed Method of the investigation into this matter, or you shall block this account ( XXXX XXXX  ) immediately.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I had an auto-pay account to pay for my Nissan car lease, one day I wanted to update my bank account so i did, after 2 months i realized a late payment on my credit report from Nissan, I called them up to see what was the issue they said they never received the payment on AUTO - PAY i explained to them that i updated my bank checking account and it might something went wrong or it happened that their softer or me missed step to verify the update went through, they walked me through the process to update my checking account while with them on the phone and they helped me set it up correctly, after that i asked if there is a way to correct the error and delete the late payment they refused to remove to late payment on my account, I sent many letter to Nissan and the credit Beaure agency explaining what happened and my attention was never to be late or not to make the payment, i actually paid off and bought the car few months later thinking they might help deleting the late payment but i was disappointed with their reply and with no action what so ever on my end to delete the late payment.
Consumer complaint received 2020-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (MA)

I am enrolled in the Public Service Loan Forgiveness program. I have been working with XXXX regarding the qualifying payments. There are 6 months of payments ( XXXX ) made on a direct subsidized loan and a direct unsubsidized loan which are listed as " payment is pending manual review. '' I have spoken to XXXX regarding these payments and they have confirmed that the employment during this time frame was certified. These loans were through the lender ACS Education and I am unable to contact ACS directly to ask them to provide XXXX further information regarding the status of those payments. With these payments I will reach the 120 qualifying payments needed to apply for loan forgiveness. Your assistance is appreciated.
Consumer complaint received 2019-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We both work. We are XXXX. We have XXXX payments to have kids, student loans and mortgage AND never miss a payment. Often over pay. 

We go to pay our mortgage and its only allowed to pay principle if anything less then a full payment. Or told use a credit card. Yet we do not use a credit card. We are ahead on principle. We two times a month on pay day pay on the payment. 

But those are not full payments so its deemed ONLY allowed to pay principle. So we are late and thus in violation. 

A penny less then full mortgage cant go in but only to principle. 

Utter XXXX XXXX here you cant pay as you get paid towards your monthly due. Utter utter insanity.
Consumer complaint received 2023-03-18
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (AZ)

Affirm sold my debt to XXXX XXXX and I made all of the payments and paid this debt off completely on XX/XX/XXXX! Affirm is still reporting that I owe a balance of {$690.00} and is negatively impacting my credit! I am unable to buy a home because of this! Affirm reported this balance again this XX/XX/XXXX! The debt has been paid in full for over 4 months now and I am now going to rake legal action against Affirm if this balance isnt removed from my credit IMMEDIATELY!
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing
Consumer complaint received 2015-12-24
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

Rushcard. 
I have XXXX accounts with rush card. I used the mobile app to transfer money from one account to the next. The next day I checked the account the money had been transfered to ( XXXX ), and my account was missing over XXXX. The XXXX acct shows XXXX completed transactions. XXXX for XXXX, and another for XXXX. Rushcard took money from one of my accounts because their system was behind and did not calculate my purchases on the other card ( XXXX ) from the previous day. One account has nothing to do with the other. You can not take money from an unrelated account due to a system error on your part. This comes AFTER the issue of not being able to buy food for my children and gas to get to work for 2 days, due to the inability to access my funds in XX/XX/XXXX.
Consumer complaint received 2019-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

A NEW COMPLAINT! 
American Express keeps pulling the same unprofessional mess by holding my money that is credit back to my account. They keep my money tied up unnecessarily for ten days or more. They are holding {$510.00} and {$120.00} when it was credit back to my account. The employees talked revolting and show they are power hungry. The manager said to me ; she didn't care if I filed a complaint through theF.T.C. American Express talks down to consumers. This company has a high disregard for XXXX and Veterans. If a company is giving a XXXX Vet a hard time, imagine what they are doing to the regular consumers. They are robbing others and me. They must be shut down or locked up. Are they too big to fail?
Consumer complaint received 2019-06-29
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. (CA)

Experian is not following FCRA laws and regulations. They are reporting XXXX   XXXX on my credit and shouldnt be. I sent a validation letter and they sent me a response saying it was verified. Who verified it? I received no proof, nothing. I then sent a second letter and within a week they said its verified? Once again no proof. I asked for proof a consumer contract with my signature on it and they ignored me not following section 609 or 611. Ive contacted XXXX  and they cant show proof either so why is this on here. Experian needs to fully investigate this and not just press a button on a computer and show me the proof of there finding like I asked for or immediately delete
Consumer complaint received 2019-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NH)

In XX/XX/XXXX, I completed my XXXX degree program. At that time, I set up automatic payments of {$120.00} every quarter with the XXXX  loan servicer - Heartland ESCI. According to the agreement to come out of educational forbearance, my first payment was due on XX/XX/XXXX and the payment would be automatically withdrawn from my bank account. I made the XX/XX/XXXX payment and again in XX/XX/XXXX before I noticed that Heartland ESCI was marking my credit report as 180 days late. 

I contacted Heartland ESCI and the representative advised that I needed to enter a rehabilitation program for {$40.00} per month in order to get the late payments removed after 9 months. At the time, I did not realize that this was incorrect since I was not in default and was making my payments on time so I agreed. 

After doing some research, I realized that the information she gave me was incorrect so I called Heartland ESCI again on XX/XX/XXXX. The supervisor apologized for the woman who placed me on the rehabilitation program incorrectly ( she advised that no one at Heartland is authorized to do this!?! ) and advised she would remove me from it. However, she then suggested I put my loan in forbearance. I told her I do not want to do that because I'd much rather pay the loan. 

When I asked her why I was receiving late payments when I have been making my payments on time and according to the original agreement ( quarterly payments of {$120.00} ), she explained that the late payments are from XX/XX/XXXX when I was with a previous loan servicer ( XXXX ), but because I went on an in-school deferment shortly after, Heartland is reporting them now. 

This is a clear violation of the FCRA. Heartland ESCI has incorrectly reported 180 day late payments on my credit report from XX/XX/XXXX - XX/XX/XXXX for late payments that occurred in XX/XX/XXXX. I am attempting to purchase a home and I would like for these late payments to be removed from my credit report immediately.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (GA)

I placed an order with XXXXXXXX XXXX online for a {$800.00} pair of XXXX shoes. I used Klarna to pay for this purchase. When I placed an order with XXXXXXXX XXXX, I requested for signature required when sent by XXXX and paid extra for the service. XXXX delivered the package to an incorrect address which we do not where it was delivered to. I reached out to XXXXXXXX XXXX to advise we did not receive the package and they are refusing to refund the money back, or replace the product. I have sent pictures of my front door compared to the front door that XXXX took, Ive sent screenshots where I placed the order for signature required, and a screenshot on XXXX  showing no signature required. Since I could not get a resolution with XXXXXXXX XXXX  I contacted Klarna. Klarna has reached out to XXXXXXXX XXXX and states that XXXX XXXX shows that a product was delivered even though its the incorrect address and they are refusing to refund. Klarna is only going by what XXXX XXXX is stating even though Ive sent them the same screenshots proving that I did not receive the product and they are refusing to take the product off of my credit. I am currently paying this to keep it from going on my credit score But I need a refund for a product I did not receive
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, after receiving a letter from XXXX about our lease, we spoke to a sales person who discussed incentives for us to return our vehicle early and get into a new lease. We were told we would have to cover the mileage but they would take care of our last ( 2 ) payments, disposition fee and wear and tear of our current lease. 

On XX/XX/2018 We agreed to the terms, ended our lease of our XXXX XXXX early and were placed in a new vehicle. We were told the excessive mileage would cost a little over {$900.00} and to expect a bill in the mail. 

On XXXX XXXX I was hospitalized and required to have an emergency XXXX. During recovery in early XXXX, I received a notice that my total lease liability was now {$1800.00}. I called XXXX immediately so that they could correct the error. They said they had no knowledge of the agreement and that they had only waived the disposition fee but the rest was my responsibility. Though I wanted to argue there was nothing I could do so I agreed to pay it but could not do so immediately because I was on XXXX but could pay them in full as soon as I received my taxes. 

They agreed to this and called every other week for an update on when the amount would be paid off. I asked if I could at least do a payment plan but they refused. Had I been able to make payments I would have been able to remain in good standing. Sometime in XXXX, they began reporting to my credit that I was late for payment when really it was the {$1900.00} that needed to be paid in full ( my monthly payments were {$200.00} ). My fico dropped from XXXX to XXXX which had a downstream effect on my other financial obligations. 

In XXXX as soon as I was off of XXXX, I paid them in full. On the advice of one of the customer service reps, I called back 5 times throughout the month of XXXX pleading for a good faith adjustment to remove the late payment information but they refused.
Consumer complaint received 2019-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I been trying to fix this problem with TranUnion for over three months XXXX deleted the inquires and XXXX I don't know what the issues is with TransUnion XXXX even said they was going to contact the companies to let them know about the issues so that they can deleted the one 's on their end but TransUnion refuse to I have reached out to the creditor I have had not luck some of the inquires are from 2017 I just don't think it fair they should remain on my report and they are not mine nor did I authorize them.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

It takes multiple complaints against American Express to gradually, step by step, begin to resolve a long standing issue with the company. One of the reasons is that American Express is extremely secretive about its practices.

For over two years American Express was claiming that it was mailing some materials to me and they were returned to American Express as not deliverable. It took me a 6 hour chat with American Express representative earlier this year to trace down one source of the problem : American Express was not using United States Postal Service 's first class mail to send the materials to me, so even when it started to use my correct mailing address, the mall was not delivered to me. It appeared that American Express utilized some private package carrier and that private package carrier was not servicing my address. American Express should have realized the first time a parcel was returned back to it that the reason for return was that the mail carrier of American Express choice was not servicing my address. 

Prior to XX/XX/XXXX I mailed a letter to American Express that specified my full correct mailing address and the fact that the mail sent to that mailing address must be sent via United States Postal Service. Shortly after I sent my letter to American Express, I received my American Express credit card in the mailer a copy of which is attached. That mailer was the only correspondence related to my American Express credit card account ( other than the American Express responses to my CFPB complaints ) that I ever received from American Express by mail.

It appears that American Express has not corrected my mailing address on my account in XX/XX/XXXX after it had received my written instructions to do that and it continued to utilize services of a private mail carrier that was not servicing my address. 

As of today I have not received the {$50.00} refund of my credit balance I had on my American Express credit card account at the time I closed my account despite the fact that I requested again to correct my mailing address during a chat session I had with an American Express representative on XX/XX/XXXX.