davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc (OR)

Purchased airline tickets on XX/XX/2021 with a payment made to the airline via Uplift , Inc. The itinerary was cancelled within 24 hours, after which according to the airline, a full refund would be processed within 7 business days. According to the airline, a refund in full would be made to the original form of payment, in this case to Uplift , Inc. 
Uplift , Inc has proceeded to claim that the money is still owed and accruing interest although the airline claims the refund was issued within 7 business days in accordance to the requirements established by the US Department of Transportation for operators. 
Uplift , Inc has been unlawfully attempting to collect a debt and accrued interest charges for a cancelled itinerary that followed all airline policies and US Department of Transportation regulations regarding this process. 
Uplift , Inc is deceptive and fraudulent in their practices because they claim interest is owed while awaiting refunds just like a credit card charge, and yet offer no protection such as allowing to dispute charges like a credit card does. 
It is suspected that Uplift , Inc may intentionally be misrepresenting balances owed and a supposed lack of payment from their partner airline in order to claim additional money owed from accrued interest.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (LA)

Due to a series of financial difficulties caused by unexpected medical expenses and Hurricane Laura, I took out 3 loans with Blue Chip Financial dba Spotloan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$1800.00}. To date, I've paid {$2300.00} to this lender, with the most recent interest rate being 460 %. 

I stopped payment to this lender in an effort to consolidate my debts with a debt consolidation company. This company did nothing to settle any of these debts so I cancelled my contract and, eventually, obtained a refund. Thereafter, I discovered that Blue Chip Financial is not a licensed lender as required by Louisiana law, that the interest rate charged exceeded legal maximums, these loans are " null and void '' ( La. R.S. 9:3518.4A ( 1 ) ), and this company recently settled 4 class action lawsuits involving the same issues I've identified here. I filed a complaint with the Louisiana Office of Financial Institutions who has now referred the matter to the Louisiana Attorney General 's Office.

The company responded to OFI and myself. The company offered to settle my outstanding {$800.00} loan for {$780.00} even though I've already paid {$170.00}. The previous loans were acknowledged, but the company did not offer to refund the excessive interest charges nor did it acknowledge that their fees exceeded allowable limits. Instead, the company continued to allege that they are not subject to state or federal regulation due to tribal immunity. This assertion is belied by the lawsuits settled XX/XX/XXXX. Moreover, the case cited in the email submitted concerns contracts arising under the Tribal Gaming Act and are therefore inapplicable to the instant matter.
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (CA)

This complaint is in regard to my desire to apply for forgiveness of my XXXX draw of the XXXX, currently being serviced by PNC bank but originated and approved by the predecessor bank BBVA which PNC purchased last year. 

Going back into XXXX and again in XXXX while a customer of BBVA bank, I applied for and received XXXX rounds of XXXX funding for {$15000.00} each ( $ XXXX total ). The first draw was already forgiven using the BBVA PPP forgiveness portal. To be clear, both BBVA and the SBA had to underwrite and approve each draw for a total of XXXX rounds of underwriting. I now only have the one remaining loan of {$15000.00} that I wish to have forgiven. It has been my intention to use the PNC XXXX loan forgiveness portal but there is a big problem. 

The problem is that there is a discrepancy in the Correct Maximum Loan Amount that must be resolved before any forgiveness application will be approved. There should be no discrepancy for the {$15000.00} yet the portal indicates the correct amount at {$0.00}. 

Clearly, a {$0.00} figure indicates that PNC didnt access the loan documents from BBVA oXXXX the XXXX XXXX If PNC had accessed documents that didnt support the full amount it is reasonable to assume that at least some dollar figure would have been approved. But that didnt happen here. It shows XXXX. That means the bank didnt access any documents. When I spoke with XXXX of their employees in XX/XX/XXXX ( a XXXX XXXX XXXX ( XXXX XXXX I PNC, XXXX, ( XXXX ) XXXX XXXX ) ) I was told that PNC didnt access those documents even though both BBVA and the XXXX XXXX the loan. Therefore, the blocking of the XXXX forgiveness portal due to an outstanding discrepancy is truly a problem of PNCs own making. I did however submit to PNC the documents I originally submitted to BBVA but so far PNC will not accept them for underwriting. Instead they are demanding a host of documents that I never had to submit to either BBVA or the XXXX.
Consumer complaint received 2021-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

I have been in repayment of Loan # XXXX ( for security reasons I am providing the last 4 of my account # and can provide the full # if necessary for this issue ) for several months and working to repay the amount due on the loan as the amount ( {$38000.00} which was a balloon payment ) was not something I could scrape up the funds to fulfill in full at a moments notice. I reached out to Mr. Cooper to engage with them to work out an option to continue making payments on the loan till I was able to refinance my loan and completely satisfy the balloon payment. Mr. Cooper did work with me and set me up with a trial repayment period. This process took them a couple of months to create and present to me at which time it was presented I agreed to the repayment terms for a 3 month trial period in which I was to make 3 consecutive payments on time to fulfill a required obligation on my part, which I did. I made every payment on time and fulfilled their request. During this entire time Mr. Cooper continued to negatively ding my credit score ( as often as 3 times within a month ) and dropped my credit rating approximately 150 points. Mr. Cooper made derogatory reports to the credit reporting agencies multiple times a month during this process even though I was din full cooperation with them and meeting each and every one of their requirements. The final result of their derogatory actions has severely negatively impacted my credit rating to the point that a refinance now ( to satisfy that loan ) is drastically impacted. I wish to lodge a complaint and am taking this step first to see if they will work with me to remove those negative derogatory statements from my record before I proceed with legal action. 

Please intervene on my behalf as Mr. Cooper has been unresponsive to my initial request which I lodged with them on Wednesday XX/XX/2021 @ XXXX XXXX. I have been very patient and have been more than gracious in allowing them ample to me to respond to my initial contact to work out some kind of resolution to this abusive behavior on their part. 

I will await a response within the mandated 10 calendar days before taking further action which may include litigious action in which I will request compensation for damages.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

In 2018, I signed up for a Khol 's credit card in order to qualify for some in-store details they often offer. Prior to the pandemic hitting full force, I went in person to a Khol 's in XXXX XXXX XXXXXXXX XXXX  and paid the remaining balance on my account which was {$140.00}. I did not use my card again after zeroing out my balance, a little over a year later I started receiving notices from a collection agency saying I owed over {$400.00} in principal balance along with accrued interest over a 12 month period. 

Over the next 3 YEARS I contacted Khol 's and the agency they use to collect debts over a dozen times, I always spoke to someone different and I was usually placed on hold for over an hour or hung up on all together. I finally submitted information to their fraud department in XXXXXXXX XXXXI which investigated the issue and determined that my payment was made and the case was resolved. 2 weeks or so later, I received another letter saying I still owed money. In a last ditch effort to be done with the issue after years of being harassed, I called and spoke to a representative who said " actually you only owe {$27.00} ( which is what they were trying to get me to pay monthly ), I agreed to pay the {$27.00} if they closed the case and stopped contacting me, sure enough I received another letter a month later asking for more money. This seems illegal that they are able to potentially affect my credit for a bill I already paid. I hope someone can help me get this situation resolved because it is starting to take an effect on me personally.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX opened an account fraudulently under my maiden name in a different state than I live. Despite countless tries to get in touch with the company I have never been able to get in touch with anyone. I have already opened formal disputes with transunion and XXXX and I am awaiting the response, however both companies advised me to contact XXXX directly and I am unable to get in touch with them. From what I have read online this is a new company and they have a history of opening fraudulent accounts.
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION (KY)

While refinancing an auto loan, M & T Bank is requiring a nearly {$300.00} prepayment fee, predatorily charging me for *giving them* money. This prepayment fee was never properly disclosed to me during the signing of my auto loan. My new lender was unable to send a full XXXX payoff amount with the inclusion of the {$300.00} fee, so I am having to write a personal check to cover this exorbitant and unethical fee in order to refinance. M & T bank stated that the fee was an agreement with the auto dealership ( XXXX XXXX, KY ), and would not remove it - despite the fact that M & T is the entity collecting my money. I am disgusted with this predatory practice of not properly disclosing prepayment fees on loan signing and charging such a large sum of money for me to PAY OFF MY OWN LOAN. This is predatory.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : 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 XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

I was charged for a new debit card after loosing mine and that card never came so I ordered a new debit card for express delivery and was told I wouldn't be charged for it but direct express charged me for 2 Debit cards when they told me they wouldn't charge so I've called direct express 5x to resolve this but they aren't being honest please respond
Consumer complaint received 2021-10-08
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: SUN LOAN COMPANY INC. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-09-25
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 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. 

XXXX XXXX XXXX Section XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

I have a mortgage with Wells Fargo. I called trying to set up automatic payments. The customer service person on the phone asked me to make one manual payment and following payments the next month will be made automatically. I asked for auto payment immediately but they said that can not be done without one manual payment. So I set it up exactly as they asked. However, wells Fargo performed 2 monthly payment transfers for the month of XXXX without any warning.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

There was a woman with my same name and birthdate who was hospitalized in XXXX of 2019. She ultimately XXXX in XX/XX/2019. Her hospital bills hit my credit report. I have spent months contacting the collection agency, transworld systems inc, and the hospital and sent documents proving its not me. the transworld system has opened over 50 accounts on my credit reports. 

This has caused and issue with the SSA and IRS. on top of destroying my credit and preventing me from acquiring credit and an auto loan.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I keep getting e-mail messages about my USAA accounts such as the message you see below that arrived in my inbox on XX/XX/2022. 

Notice : We need to verfiy your identity XXXX XXXX USAA Fraud Prevention Dear Customer , We would to inform you that your account looks like has been used by somone, In order to protect your information, We have closed your online access.

Your account is now waiting for Identity Verification process to be restored again. 
Please complete the verification progress as soon as you can to avoid any risk. 
Verify Identity
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MT)

Marcus by Goldman Sachs contacted me and requested that I apply for a XXXX Rewards credit card from them. I applied and was approved. It has been over 6 weeks and I haven't received the card. I've called multiple times but hold times are over 30 minutes. Their online chat feature is a joke. Today ( XX/XX/2022 at XXXX pm ) I called and was on hold 25 minutes. The rep I spoke with said the card has been ordered, but hasn't been mailed. I asked why it hasn't been mailed. I couldn't understand what she said ( phone issues she claimed ). I finally told her I wanted to close the account. At that point, she terminated the call.
Consumer complaint received 2022-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2022 the amount of {$690.00} was last reported on my credit. I was previously getting spam call attempting to collect a debt from a company I have no knowledge of. Pursuant to 18 USC 8, I owe no debt. This company is violating my customer rights to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant 15 USC 1681 4
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NJ)

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (CA)

XXXX # XXXX Applied to open account over 2 months ago prior to today 's date of XX/XX/20. Received a preliminary approval and have been signet for two months. They have my information and important documents, no call or email back and total lack of professionalism on their behalf. 


Axos Bank in XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I was to receive an offer I accepted of XXXX percent good through XX/XX/20. They claimed I never received the offer. They would not hear me on this matter.
Consumer complaint received 2022-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I graduated from XXXX XXXX XXXX in XXXX of XXXX. I began making payments to XXXX XXXX XXXX in XXXX. I am unable to find my payment history from XXXX until XXXX of XXXX. As a result, I was denied forgiveness through the XXXX program. I recently found payments from when I was with XXXX and have just uploaded those to Fed Loan Servicing. But the payments from prior are missing. I have XXXX payments counting toward forgiveness and XXXX ineligible so I know that these payments were made. My account states " no payment due '' from XXXX through XXXX. That is inaccurate as I made payments. Please help.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I sent a letter to Equifax asking for the accounts on my report to be investigated and verified. I received a letter back from Equifax stating that the accounts I requested to be invested were not being reported on my credit report, however they indeed are being reported. I sent the company copies of my report that shows the accounts as well as a copy of the letter they sent. They still state that the accounts are not being reported on my credit report.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX  is reporting my payments every month through XXXXXXXX. However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}. 
There is a consorted effort with XXXX, XXXX, XXXX, Equifax and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to XXXX  that my balance went up {$240.00} and my FICO went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) Equifax also continues to report incorrect updates to my balances as well.