davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

GoodLeap : Buy Now Pay Later loan initiated via a HVAC vendor installation in XXXX with the understanding it was 12 months same as cash, then if unpaid automatically rolls into a 10 year loan with a 11.49 % fixed APR against the full amount of $ XXXX outstanding. 

Payment instructions sent by GoodLeap in writing [ welcome letter & email follow up ] only offer ACH but WITHOUT any Regulation " E '' required disclosure information to protect against : 1 ) Current balance due.

2 ) Current monthly payment due.

3 ) Unauthorized or incorrect withdrawals.

4 ) Dispute process.

5 ) Payment by Credit Card option ( relates directly to # 4 & # 5 above ).

Multiple phone calls & emails sent requesting a company response to these items have exposed an organization which repeatedly transfers/drops calls and/or has been unable to resolve the open requests above. 

On XX/XX/2022 via phone, I've requested via the customer service dept. [ XXXX ] the CEO and/or his designated proxy to provide a written response to my concerns by no later than this XXXX, XX/XX/2022 as the initial payment due is the following day. 

Please note, ability & willingness to pay the loan is NOT the issue. 
I simply desire to be able to trust the ACH only without any XXXX " XXXX '' disclosure option for online payment [ GoodLeap outsourced it to a 3rd party provider ] is not rife for fraud and/or the planned early retirement of the loan in full will be recorded promptly with the three major credit bureaus. 

Very similar cases have also been documented by many other recent loan customers of GoodLeap across various online complaint forums as XXXX. 

How can a firm which recently securitized $ XXXX in loans be so inadequate in disclosing the most basic loan information that is a long held standard of reasonable lending practices?
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, 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
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX 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
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TN)

Account Name : MERCHANTS CR Original Creditor : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$480.00}, {$850.00} and {$580.00} This letter is a formal complaint against MERCHANTS CREDIT GUIDE, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

I received a notification from XXXX/XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

Diversified Consultants Inc reported both derogatory accounts and did not send a written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2022 I started having issues with my American Express Gold Card, without my knowledge or consent they reduced my credit card limit from {$10000.00} to {$3000.00} causing my credit balance to be very near it's limit. Around the same time by AMEX XXXX XXXX kept taking out the balance due from my automatic payment when should have had it set at minimum payment due. I called and spoke to multiple customer service reps and was told that my card will be set at minimum payment. When my next payment was due it again tried taking out the balance due causing my bank account to return the payment and I was charged multiple return fees of {$29.00}, totaling {$140.00} in fees. I again called AMEX to inquire why the issue was continuing to happen. I was basically told that it was my fault for not having enough funds in my account. Around the same time, I was also dealing with the credit limit reduction, I was told if I could pay an extra {$650.00} for the month of XXXX that they would consider increasing my credit limit again. The stress that the return fees were causing me and not being able to get a clear answer or solution from American Express I decided to pay off the XXXX XXXX to get the balance to XXXX, I paid {$790.00} on XX/XX/2022. I spoke with another customer rep to see if AMEX would be able to take in consideration that since I just paid one card off, and I wouldn't be able to make the {$650.00} payment to the Gold Card to have the credit limit increased. I asked if they would help me since I wouldn't have the money to make that payment and I was told no because both card are not the same and they are not able to assist me. At this point I have had no luck with any help from American Express and then XXXX, 2022 they cancelled both of my credit cards, without my knowledge or consent. I was told because I was late on payments, and that my credit balance is very close to it's credit limit that they made the decision to cancel both cards. I have been on time with my Gold Card, never missed a payment, with the blue card the issues were addressed with AMEX but never resolved to the point that I just paid the card in full. I can not express how much stress and anxiety these issues have caused me, I lost my job due to covid and I am finally working and trying to catch up with bills and they canceled my cards and have put 2 negative inquires on my credit score. If American Express did not reduce my credit limit, I wouldn't be near the cards credit limit and if they would have resolved the minimum payment issues when I called, I wouldn't have been late on payments. I tried to reach out to them with these issues and did not help me but instead canceled my cards, which is going to cause credit issues for me down the line, I feel very unfairly treated and bullied.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc. (OH)

3 small medical bills that were being paid direct to the medical center somehow went to collections.

I received zero communications from this company. All were being paid and should not have went to collections I have called their 800number and get left on hold. I have not been able to make communication with them and I want these debts removed they were not collections.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

I received no notice of this debt until i saw it on my credit report. I attempted to call to verify what the debt was and was not give a chance to verify, only options to pay. Have received no written correspondence. Tried to dispute through XXXX but it was returned as properly reported.
Consumer complaint received 2018-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting multiple tradelines with inaccurate information. I was unemployed in XX/XX/2014 and my Navient and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX. These lates are inaccurate and should be removed. 

XXXX is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.
Consumer complaint received 2018-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was talking to this person about transferring money to my account, a person I didn't really know. On XX/XX/XXXX the money was being processed ( {$990.00} ), it took 5 extra days for it to transfer to my account which was on XX/XX/XXXX. The person I was talking to then told me to wire the XXXX  dollars through XXXX to one of her " clients '' and that it had to be done today no matter what. After the money was wired through XXXX  I was expecting another transfer but around XX/XX/XXXX the same person opened a XXXX XXXX account under my name and told the XXXX banker that it was fraud so the money the person sent the XX/XX/XXXX got taken away from my account along with all the money I made then after that close the account in XXXX XXXX and never contacted me again
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a victim of IdentityTheft I have followed all the recommended steps to take including but not limited to : Dispute Letter with fraudulent accounts FTC Report Police Report Driver License Government ID and Social Security card.

I have sent all these documents " certified '' with tracking and delivery confirmation.

However the fraudulent accounts remain on my credit report along with other discrepancies. 

The fraudulent account that remain are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a quick XXXX search I noticed that business " XXXX XXXX XXXX ' is a fictitious business. *The address doesn't match the business. * XXXX. Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA ( 15 U.S.C . 1681 ) Transunion has violated my rights by negligent and wilful noncompliance with the law after my discovery and informing them of the discrepancy. I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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. (IL)

I n accordance with the Fair Credit Reporting act U.S. Bankruptcy XXXX XXXXXXXX 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.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportun was in The Process of XXXX XXXX XXXX, for a {$500.00} Loan. An Employee Filed My Last Name Incorrectly, The Organization on a Recorded Line, Twice Not Only did a regular employee Offer Me To Continue with The Transaction that I plainly stated that My Last Name was Incorrect, But Pressured Me to Continue with The Loan Process. A Supervisor ignored My Request to Correct My Last Name before continuing with The Loan Process, stated I needed to Continue with The Loan Process Because Thats what they had on File, which was incorrect information. As Far as I know This was done on a Recorded Line for Quality Assurance. XX/XX/2023.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Ultimate Rewards Program Flight Cancel - XXXX : XXXX - Case ID : [ XXXX : XXXX ] I booked a flight with Ultimate rewards website from XXXX to XXXX Roundtrip Their website has glitches in it and changed the passenger infromation form a profile that was already preset in their website database. 
I clicked XXXX XXXX Profile and it populates her information as it is saved from previous flights. When I tried to change the contact phone # it reverted the passenger back to my name. I did this over 5 times and seemed I was successful in changing the contact info because I needed the updates sent to me. 
The website changed the passenger from XXXX to XXXX ( myself ) without my knowledge. 
Chase refuses to return XXXX points to my account. I believe this to be a form a fraud to diminish your points. 
Please address this problem Below is the return email sent from JP Morgan Chase. 
Just a statement of a technical team with one line in which is in denial of all of the problems with their booking site. 
1. XXXX was selected from the saved database 2. I live in XXXX XXXX and booked the flight from XXXX to XXXX  and back for XXXX 3. Common sense alone shows that I would not have put my name as the passenger 4. If you go to the website I can actually recreate the problems incurred XXXX XXXX XXXX ( 3 hours ago ) to me RE : XXXX Dear XXXX XXXX , Thank you for taking the time to advise us of the situation you encountered with your Air reservation booked through Chase Travel. Our priority is to offer complete and accurate information as well as superior customer service at all times. 

After review of your file, we have determined that we can not provide the requested compensation. During the time of booking the technical team informed us that you inputted your name and the phone number. As a result we are concluding this as not a technical error. Therefore, we will be closing your case as there is no further action needed. 

Please accept our apologies for any inconvenience. You are a valued customer and we look forward to future opportunities to serve you. Should you need further assistance, please do not hesitate to contact us at XXXX. Were available 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Travel Consultant Supervisor Chase Travel XXXX  JP Morgan Chase & Co. 

Contact Us Chase Privacy Operations XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2018-04-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

Navient XXXX {$6400.00} Navient XXXX {$5100.00} Navient XXXX {$10000.00} Navient XXXX {$9700.00} Currently this is with an attorney. Navient never worked with me to adjust amount or consolidate my loans. I have other loans and they have all worked with me to make paying affordable, not Navient. They lied, called to collect at every hour day and/or night. These loans are old going back several years. I am just so frustrated that I had to hire an attorney to mediate, it's costing more then the original loan. 
Attorney : XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Ive sent letters that verified this account is accurate. The months of the year 2021, has different numbers being reported on my consumer report from all bureaus. My report must be held to maximum accuracy by law under 15 usc 1681. After i gave them notice of the errors, my report still shows they did not reinvestigate proper. They are furnishing information knowgly accurate and did not fix my report.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX we paid off our Capital One Card in full. {$14000.00}. On XX/XX/XXXX we received an email that indicated we owed {$180.00}. My wife called today XX/XX/XXXX and spoke to XXXX and she said that was interest from time statement came out until day it was paid off. The Statement date was XX/XX/XXXX due on XX/XX/XXXX. The reference # for the call wasXX/XX/XXXX. Since my wife was not primary cardholder she was not able to assist so she recommend me, husband, to call back. I called back this evening, XX/XX/XXXX and spoke with XXXX, operator # XXXX. She was unwilling to refund interest due to automated system response. We have been Capital One Cardholders since XX/XX/XXXX and never missed a payment. We are disappointed and are asking for interest ( {$180.00} ) to be waived in full.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NE)

I have dozens of netspend accounts all of which seems to he from one account but my account number is always changing I've had tax refunds sent these cards and enever received them When I call they claim my accounts are all closed and my logins are changing to route to emails I didn't request I had one card where I had XXXX dollars I put on it disappear and just never got any confirmation of where it went or why it's gone
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ECMC GROUP, INC. (IL)

GET THAT XXXX OFF MY REPORT NOW! STUDENT LOAN XXXX XXXX / XXXX XXXX ASAP!!! 


Thank you XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (GA)

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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my Transunion credit report a collection is report with innacurrate information and I had dispute this account multiple times and no resolution. This account should only be reporting accurate information. Below you will see all incorrect information. 

Account show open ( collection account should never show open ) Account show a past due balance ( collection should now a past due balance ) I had send info to Transunion on this and nothing get fixed.