davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

on XXXX/XXXX/2020, I requested MERCHANT ADJUSTMENT SERVICE ABOUT AN ALLEGED DEBT OF XXXX THAT THEY SAY THAT I OWE AND I HAVEN'T HEARD BACK FROM THEM SO I SENT THEM ANOTHER LETTER ON XX/XX/2020 REQUESTING INFORMATION ABOUT THE SAME DEBT THAT THEY SAY THAT I OWE.FIRST THIS IS A HIPPA VIOLATION BY REPORTING MY MEDICAL INFORMATION THAT I DIDNT AUTHORIZED.I ATTACHED A COPY OF THE LETTER BELOW
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

One of my checks was stolen out of the mail, altered twice and cashed twice in the same day. Neither bank noticed that the same check from the same account was cashed twice in the same day. Neither bank noticed that the check had been altered ( it is obvious if looking at the low resolution black and white image of the canceled check, for both instances ), and the endorsing name did not even match the altered payee names. This happened in XX/XX/2022. I noticed because I got a late notice from my mortgage lender that I was late in paying them. I sent all the requested documentation ( images of the canceled checks, notarized affadavits ) to PNC on XX/XX/XXXX. I followed up in XXXX, and was told they never received the documentation. I sent again via email on XX/XX/XXXX. PNC verified they had what they needed. PNC says they forwarded to XXXXXXXX XXXX by XX/XX/XXXX. PNC has not, until today returned any of numerous phone calls or email follow ups to find out where this is. Today, they told me XXXX was supposed to contact me directly, but gave me no contact at XXXX to follow up with. I just want my {$2000.00} restored to my account.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (PA)

I opened an account in XXXX with Truist bank, using a {$500.00} promotional code. 

If i were to deposit {$1000.00} and make 2 qualifying {$1000.00} deposits in 90 days I am to receive {$500.00} bonus in my account. 

I deposited {$1500.00} initially and set up a monthly direct deposit of {$1500.00} a month, which deposited three consecutive months in a row. 

I fulfilled all criteria to receive my bonus and even told Truist they neglected to pay me, they haven't taken care of it. 

Yet another bank that has to lie to get customers ... How many babies will commit fraud before you fine them?
Consumer complaint received 2022-07-21
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. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (TX)

Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching my identity theft report to prove it!!!
Consumer complaint received 2019-03-22
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: Santander Consumer USA Holdings Inc. (CA)

I purchased the car XX/XX/XXXX and at the time of purchase was sold a XXXX XXXX  lease vehicle protection plan for {$1200.00}. The dealer said that this would cover all wear and tear on the car including window repair, nicks, door dings and tire replacement. My last service was XX/XX/XXXX and I was told that a tire needed to be replaced as it was not repairable and they wanted to charge me for a new one and made no effort to contact XXXX, I declined. I turned my car back in to the dealership XX/XX/XXXX after paying my final lease payment. I spoke with multiple members of the XXXX XXXX " XXXX '' team in the weeks leading up to surrendering the vehicle. On every occasion I asked if I needed to get the tires replaced and was advised that I did not they were covered by the XXXX protection plan. The car was XXXX below miles, had no dings, scratches or wear and tear. I received my " final '' bill for the disposition fee of {$390.00} which I promptly paid. Now a month later they are calling multiple times a week during my work hours saying that I owe for a tire repair for a bill I never received and for a service that the dealer, the allegiance team and XXXX all told me was covered multiple times before I surrendered the car. They have not stopped harassing me and have cost me several hours of time.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

XXXX has unfair practices in the additional payment and attempted removal of PMI. The current value of my home has increased. I simply want to stop paying for PMI. The value of my home and the amount I owe on my mortgage is well under the 80 % value deemed by XXXX to have a PMI payment. I have attempted multiple times to get PMI removed from my monthly payment. Each attempt was met with a different reason for why XXXX would not remove the PMI payment. I have never missed a mortgage payment and my credit score is excellent. XXXX refuses to accept the current value of my home as a reason to analyze and remove PMI. XXXX refuses to accept a 3rd party appraisal for the current value of my home. XXXX will not look at the value of similar sold homes in my area as comparable. XXXX will not accept the taxable value of my home as established by XXXX XXXX that I live in as a source for establishing value.
Consumer complaint received 2022-06-10
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. (TN)

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 XXXX XXXX XXXX - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

On XXXX XXXX I received a official copy of my credit report from XXXX  and derogatory remarks was removed from XXXX as credit reporting agency as Prestige Financial Services made contact with XXXX   to remove the negatives from my credit report. 
Why would XXXX falsify on deletions of negative on my credit report as XXXX gets a electronic or Verbal message from Prestige Administration.

I am respectfully requesting that Department of Justice ADA and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that XXXX, XXXX, XXXX to delete all Unauthorize Hard Inquiries on my credit report and also for XXXX and XXXX  remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with Prestige and I signed a Privacy Release for Federal Investigations.
Consumer complaint received 2022-11-30
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. (NY)

In 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 a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

Purchased an auto on XX/XX/XXXX Received first bill XX/XX/XXXX Bill due XX/XX/XXXX On the bill it says THE TIMING OF YOUR PAYMENT WILL AFFECT THE FINANCE CHARGES YOU PAY OVER THE LIFE OF YOUR AUTO ACCOUNT. 

I called the company Ally Financial based out of XXXX MN, to ask what this means. The answer I received is after 15 days a late fee would be charged to the account and every day after that time period if payment is not made finance charges are added for the life of the of the loan. So I think this is what it means though it is not clear. if I was late for 1 day past the due date whatever interest that accrued would be added to the loan and interest would be paid on that amount for the rest of the loan. So for example if {$1.00} was the interest for one day after the 15 days allowed that {$1.00} would be added to whats owed and for the rest of the life of the loan that extra dollar will accrue interest. I also was told by the finance company that the dealership should have informed us of this policy and they did not. Also after talking to the finance company, I called The dealership and was told that is a common practice for all finance companies. I have never noticed this to be the practice of loan companies. 

I dont plan on paying my payments late but things happen. 

Attached is a copy of the policy in question that was on my bill for the loan company.
Consumer complaint received 2021-02-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.
Consumer complaint received 2018-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (OH)

On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.
Consumer complaint received 2018-04-11
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: FACTUAL DATA CORP. (TX)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (TX)

lost job due to covid, requested a deferment or forbearance instead they gave me a payment plan, i followed the payment plan and started working so i started paying the exact monthly payment more than the payment plan, credit acceptance in return flagged my credit for being behind, i thought they would be happy.. XXXX practices
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK (MN)

All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2021 I was texting who I thought was my friend via XXXX and it was a hacker pretending to be her. The hacker requested for quite a bit of money via Zelle because the bank did not allow to exceed limit amounts for transfer and that first hour in the morning I will have it back. Again I thought it was my friend who I was speaking to when I completed the transfer, wanted pictures and screenshots to prove transfer was made. Moments ago after I made the transfer I got a message from a group chat we are part of and notified me to not send anything that it wasnt her. That she was hacked. I immediately deleted any information having to do with the hacker and contacted XX/XX/XXXXXX/XX/XXXX to freeze the account to issue me new card. 

Not XX/XX/XXXXor Zelle wants to be responsible or find any resolution to my error authorizing with a fraudulent person. I really thought it was somebody I knew when it wasnt. Thats why I gave the approval. XXXX doesnt want to help because it was an authorized transfer and Zelle doesnt want to help because they have no fraud protection with clients and I did it via Zelle but through my bank provider not with them directly. 

The last thing I have done was go to police department and file a case with them about disputing the charge but I know it will sit on the desk and not do anything about it.
Consumer complaint received 2022-01-11
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: North State Acceptance, LLC (NC)

XXXX XXXX of XXXX NC financed my vehicle. My payment date is the XXXX of the month. You have 10 days to pay before a late fee is applied. I normally pay them with my 2nd paycheck before the late fee is applied. I am not behind on any payments. I am up-to-date & current w my payments. I work 8-5 Monday-Friday & i am not able to answer my phone. My voicemail states my availability. This company calls repeatedly. They leave messages but before I can respond they start to call me from unknown numbers & then they text. I become so frustrated and stressed that it deters me from responding bc by then my mental state is off from the constant random text messages and phone calls from unknown numbers. Just like many people i dont usually answer calls from unknown numbers. This company doesn't give you enough time before they begin to harass you. I have had this issue with them in the past and asked them not to text my phone. If they check my records of payments it's evident that I pay around the same time each month. This company harasses u and threatens to repo your vehicle before your 10 day penalty even comes. What can I do in this case?
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (VA)

PayPal Credit, somehow ( either when I inadvertenly placed an order on XXXX, hit " PayPal Credit '' ). Since then, I've received constant bills from Paypal, in which the amount continues to increase, although I've NEVER used this " line-of-credit '' in any form. I understand that the Consumer Financial Protection Bureau already has fined PayPal with a {$25.00} XXXX fine on behalf of consumer protection violations. 

Please kindly investigate, as this may also be affecting my credit.
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (FL)

This account is fraudulent and not my account. The police were notified back in 2018 and JPMCB is reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. JPMCB finally discharged the fraudulent account yet still reports adverse information and is destroying my credit for a fraudulent account.
Consumer complaint received 2019-03-22
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: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/19, I applied for an American Express Starwood Preferred Guest credit card with a promotion to earn XXXX points after spending {$3000.00} in 3 months. Under the Offer Terms, it states : " Welcome offer not available to applicants who have or have had The XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX Credit Card from XXXX, or The XXXX XXXX Credit Card from XXXX XXXX in the last 30 days. '' I haven't had any of these cards in over a year, so I applied. When I received the card I activated it on XX/XX/19 and called to confirm the above referenced promotion. I was told I was ineligible and was told the offer terms were different than what I had recorded when I applied. American Express opened a case to investigate whether I was eligible. 

On XX/XX/19, I spoke with an American Express agent who said the investigation confirmed the wording of the offer terms I originally referenced, but said I was still ineligible, without citing any specific violation. I have not been an account holder of any of the above referenced XXXX accounts in over a year. I was told to submit screenshots of the related account closures with XXXX. An additional investigation was opened and I was told it could take 6 to 8 weeks to resolve. 

Meanwhile, the original American Express offer opened for this credit card was to spend {$3000.00} within 3 months of account approval, which will be approximately XX/XX/19 If I wait for the investigation to complete ( 6 to 8 weeks from XX/XX/19 ), I will have passed the deadline to complete the minimum spend and will definitely not be eligible for the bonus promotion. I noted this to the American Express agent on XX/XX/19, and was told the investigation might be finished sooner and I could choose to make the {$3000.00} spend or not.
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.