davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC (TN)

Innovate Auto Loan bought my loan from XXXX XX/XX/2018. Both XXXX and My innovate loan  and XXXX XXXXXXXX XXXX are reporting on my credit like I have 2 loans on ONE CAR. The payments i made to XXXX this year stopped reporting after XX/XX/XXXX. They need to be updated and the account needs to be closed. My Innovate loan is NOT reporting my current auto payments to the credit bureaus accurately they have my current monthly payment listed as {$390.00} a month its actually {$360.00}. They just updated my credit report to ONLY reflect the month of XX/XX/XXXX but made it seem like i made a {$500.00} payment only. I have made I have paid XXXX. + plus some bogus fee for them to take my payments every 2 weeks. So far I have paid a total {$1000.00}. I have called them multiple times my last call was to them today where i was advised they will not be reporting XX/XX/XXXX payment until XX/XX/XXXX with no explanation as to WHY!
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Central Credit, Inc. (CA)

My name Is XXXX XXXX XXXX and I had recently filed complaints on XXXX-18 XXXX and on XXXX18 complaint # XXXX against Continental Central Credit in reference to annual fees owed to XXXX XXXX XXXX XXXX XXXX in NV As a result of the complaints Continental agreed to settle in the amount of {$3100.00} to be paid on or before XXXX18. I was contacted by XXXX XXXX XXXX XXXX XXXX advising they where pulling the account out of collections with Continental Central Credit and that they agreed to cancel all fees if I paid them {$2500.00} So I paid XXXX XXXX XXXX XXXX XXXX on XXXX18 for the amount of {$2500.00}. Per my first complaints Continental had been placed on notice meaning they where not to call me @ all, I received two calls from them today XXXX18 CID XXXX between XXXX XXXX and XXXX XXXX they left one message stating they where trying to collect a debt. Under FDCPA they are in violation for one they called my cell # XXXX when they where told not to call me 2nd I paid the debt with original creditor XXXX XXXX XXXX  XXXX XXXX. Under FDCPA two party 's are not allowed to collect on the same debt and I paid my debt with XXXX XXXX XXXX XXXX XXXX XXXX amount of {$2500.00} on XXXX18I don't not want Continental Central Credit calling my cell, they are to contact XXXX XXXX XXXX   XXXX XXXX. Per FDCPA guidelines Continental Central Credit already violated my rights and I will seek legal council specially if this continues Thank You XXXX XXXX XXXX
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CT)

I spoke to a representative of the company and I explained to her that I would like to start making payments on the debt owed. She repeatedly told me that it was their companies rules to charge me XXXX $ each time I paid a specific amount owed towards the balance. I asked her if she had any information on that policy she told me no they do n't share that information with clients. Something 's not right with this company.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

NOD filed XX/XX/XXXX, Notice of trustee sale scheduled XX/XX/XXXX Ive spoken several times to express I want to keep my home. I am experiencing hardship due to COVID, requested consideration for loan forbearance, modification. I was advised recently to submit additional documents which I did. I requested an additional forebearance to XX/XX/XXXX as per XXXX XXXX. Was advised my loan investor was not XXXX XXXX. Directly sent documents I received from servicer of XXXX investor. Was told hed forward it. On XX/XX/XXXX recd acknowledgment from servicer of XXXX XXXX investor. This is dual tracking. I should have been eligible any assistance XXXX XXXX affording it borrowers affected by COVID. Please help. I have never been able to speak to contact listed on letters. One individual didnt realize california non judicial state, told me courts are backed up. Please help
Consumer complaint received 2018-07-24
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: Experian Information Solutions Inc. (CA)

My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDEN 1 CREDIT UNION, THE (IA)

On XX/XX/20 I was notified that someone applied for a credit card in my name at Golden 1 Credit Union in XXXX. I did not apply for this credit card.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

I created a login for Investors Bank about one year ago ( XXXX ) just so I could download my paperless statements. I was logging in and downloading them every month but I haven't had a chance to download them for the last six months due to Covid. I tried to log into my account on XX/XX/XXXX and for some reason, the Investors Bank website will not accept my password, WHICH I KNOW TO BE CORRECT. I attempted to reset my password but the phone number which appears on-screen IS NOT my phone number. My phone number on my account as per the Investors website is XXXX. However, I have no phone number that ends in " XXXX ''. Since the Investors ' only method of authentication which allows me to reset my password is done by either calling or texting this number, obviously, I was not able to reset my password and therefore, not able to log into my account. More importantly, it is evident that INVESTORS has commingled my private, confidential information with that of another customer because the phone number listed on my account IS NOT/HAS NEVER BEEN my phone number. Obviously, Investors Bank 's systems are NOT SECURE. 

In addition, when I set up the online banking to access my account I set it up under my name, with my number, and with my email address. No other email addresses or phone numbers were part of my online profile. After the numerous attempts to log in tonight, my husband told me he received emails at his personal email about my account being locked. Again, why are people who are not part of an account getting information about my personal login and account information? 

It seems to me that Investors Bank is comingling information between unrelated accounts and unrelated user profiles. Obviously, their computer systems are not secure. My phone number in my profile was changed to an unrelated number without my consent. In addition, my husband received notifications to his email regarding my profile information when his information was never part of my account. 

This is a very serious breach of confidential, private information. The bank needs to fix my account immediately and reinstate all the prior phone numbers and passwords to what they were before they were changed without my permission. They also need to explain why this happened and they need to fix their systems so it does not happen again. I am floored that a bank this size is using XXXX systems similar to what a Mom and Pop business would use. It is shameful. Who knows the extent to which my information was breached.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a product using my AMEX from XXXX XXXX. The Item I ordered was not the item I received. The item XXXX shipped was an inferior product, that was {$50.00} higher than the last minute deal I purchased ( but my purchase was a better computer ). XXXX would not honor the purchase and tried to give me {$50.00} credit. I said no, and returned the computer via XXXX two days later. I waited on my refund, but they delayed it and blamed AMEX saying they sent the refund and AMEX was holding the money. Until then I had no problem with AMEX BLUEBIRD. My employment direct deposit went to it, and I used it always. XXXX kept saying AMEX had my money. I had conflicting emails, and called AMEX BLUEBIRD, who said that if they had my money, they would automatically release it ( although policy enacted in XX/XX/2018 ) says that merchants may request 7 days hold on refunds (??? ). Finally, after much moaning and hollering, a rep from XXXX calls me and tells me my money is on the way, she gives me my card number and says she has talked to XXXX and that the money is on the way. I find out later they brokered a provisional credit with AMEX, until they could send the money. All the time XXXX blamed AMEX saying they had the money. I felt like this was a back door deal and that AMEX was conspiring with XXXX ( the merchant ) behind my back, although I was the customer. I changed my direct deposit and stopped using the account. On my new positon with my job, I found out the importance of data integrity for customers and I feel the AMEX violated my privacy and is in cahoots merchants and the expense of customers.
Consumer complaint received 2023-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

While there was an active fraud investigation occurring on my credit card account, Capital One allowed an unauthorized phone payment of $ XXXX to be made from my XXXX checking account. My account was enrolled in auto pay to pay the balance in full on the XXXX of each month. This payment occurred on XXXX and was clearly done to increase the open to buy on the account so the criminals could continue using the card. 

While the fraudulent transactions were reversed, Capital One had been obstructive in resolving the unauthorized payment. We have followed all their directions. Most recently, who have been run around in circles trying to send a form from XXXX that Cap One requested. Theyve rejected or said the cant find the form several times. I finally found a supervisor whos been somewhat helpful. He says I have to wait till XXXX to follow up with him to see if theyve received the form. When asked about next steps after the form is acknowledged by Cap One he didnt seem to know. 

Ive requested a refund of the $ XXXX credit balance currently on my account which was created through my own funds. Cap One says they cant do this. 

Im in despair. $ XXXX is a lot to be out
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I sent a payment through XXXX from the Capital One website. The payment went out on XX/XX/2021 and was due to be delivered by XX/XX/2021. 
On XX/XX/2021 the payee notified me that they had not yet received it. 
I checked the Help section on the Capital One website which states : " What should I do if the company I paid has not received or credited my payment? 
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, call the companys customer service line. If the problem isnt resolved, you can send us a payment inquiry on payments in XXXX XXXX History. We will contact the company on your behalf in an attempt to resolve the problem. '' First of all, there is no way to send a payment inquiry in XXXX XXXX  History. 
I called Customer Service and spoke with XXXX ( ID XXXX ), who was not helpful. He claimed that all he could do was issue a stop payment. He stated that Capital One does not contact any companies on their customers ' behalf when payments are not received in a timely fashion. 
It appears that the information provided in the Help section to reassure customers about the safety of using XXXX is phony and misleading.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (CO)

I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help me.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from PORTFOLIO RECOVERY # XXXX # XXXX,. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-12-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (CT)

Before I asked for debt validation, they used to call me very frequently and the language that was used was as if they were attorney 's collecting on a debt by representing the original company. 

After I asked for debt validation and they sent me the paperwork, the letter had, " XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ''. 

They sent this information in XXXX XXXX XXXX after I requested this information a few months ago. 

My main issue is that they present themselves as attorneys over the phone and in writing and this information is n't correct. 
Lastly, I do not claim this debt.
Consumer complaint received 2023-03-02
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. (AR)

XXXX Date XX/XX/XXXX XXXX XXXX XXXX, amount XXXX XXXX XXXX XXXX  account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Date XX/XX/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 These are the dates requested XXXX
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Granite Edvance Corporation (NJ)

I have had interest capitalized that I do not think I should have owed being on the REPAYE plan. I think this was mishandled and no one over the phone has been able to accurately explain why I had over XXXX capitalized since 2014.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I called the credit card company to make a payment, and indicated to Chase that I was having financial struggles and it was difficult for me to make the monthly payments. Chase suggested for me to sign up for the balance liquidation program. Chase indicated all I had to do was close the account and pay {$45.00} per month. From there I have been paying {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX. Chase Card services had contacted me several times during XX/XX/XXXX to tell me that my account was past due and that I owe {$45.00} to make it current. I had told Chase I kept my end of the agreement and if they are telling me i owe then they had not kept their end of the agreement. Their reply was I had missed a payment, From there I had said I have my bank statements that say I have paid {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Experian continues to report 4 old account that are affecting my credit score.  According to New York State Law these were supposed to be deleted already. 

25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX XXXX ( already deleted from XXXX and XXXX  ) XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX ( already deleted from XXXX and XXXX ) XXXX/XXXX  XXXX ( already deleted from XXXX  and XXXX   )
Consumer complaint received 2018-07-24
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. (GA)

Applied for credit extension with XXXX XXXX XXXX XXXX, ad was informed that they were denying the request and that decision was based upon information obtained in a report from the consumer reporting agency XXXX XXXX XXXX XXXX. The report indicated that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving accounts is too high. This information is in error. Equifax has connect my individual credit profile with the Trust : XXXX XXXX, which I am the trustee. See attached documents. Without Prejudice