davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (AL)

On XX/XX/XXXXI went to CarMax to complete a consumer credit transaction on a car. I supplied my drivers license and social security number. The transaction was complete, I left with the car. I received a statement on XXXX that said the first Payment was due on XXXX in the amount of {$490.00}. The letter did not show that an alleged payment was owed to the finance company but that a positive balance existed. I sent a Debt Validation Request and they responded with an account payment history and a copy of a consumer credit sale contract that also said retail installment contract that included finance charges. Following their response I sent a cease and desist because they began to harass me by phone. In the cease and desist I stated their specific violations XXXX usc XXXX, XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX usc XXXX, XXXX usc XXXX are just a few of the violations I expressed in the letter and have found. I requested an audit trail, I requested that the account be reported as paid in full to the credit reporting agencies and that any and all derogatory marks or late payments be removed. I requested that they sign off on and send my title Lein free. Instead of responding to the letter they added a cease and desist to the account which I verified by phone via a representative of the company. and ignored all other request for remedy that was mentioned in the letter and also proceeded to share my location information with a third party to seize the car from my private property on XXXX. The third party, XXXX XXXX XXXX, damaged my private property. This account is and has been in dispute but they have still reported derogatory information to the credit reporting agencies and has caused adverse affect to me obtaining additional lines of credit.
Consumer complaint received 2021-09-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Credit report shows late on both Equifax and XXXX. Requested to be fixed by XXXX  XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There was fraudulent transactions in my account and the XXXX XXXX did not resolve. I was cooperative in the investigation. I have contacted the XXXX XXXX XXXX XXXX ( XXXX ) and was told to create another report because this is not their jurisdiction.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Granite Edvance Corporation (MA)

Granite State Resources and Management XXXXXXXX XXXX XXXXXXXX XXXX Early, mid, and end of early XXXX. 

For yrs as a single mother in section 8 I was given the only option of going into forbearance yr after yr. There was no other option of Income Driven repayment plans offered.
Consumer complaint received 2021-06-17
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. (NY)

On XX/XX/2020, I redeemed my Chase Reward Points ( XXXX points ) for {$530.00} to purchase two flight tickets ( Itineary # XXXX, details attached ) for me ( XXXX XXXX ) and my spouse ( XXXX XXXX ). 

One XX/XX/2020, we received an email ( attached ) from Chase Travel that our flights are cancelled by XXXX XXXX, due to COVID 19, and can only offer us travel voucher at the moment. I contacted Chase via email ( evidence attached ) as well as customer service phone calls, insisted that I declined the travel voucher option, and demand a full refund in form of original Chase Reward Points used for this booking. Chase told me that they can not refund anything unless they got refund from the XXXX, and explaining to me that there are two transactions involved : ( 1 ) I used my Chase Points to redeem the tickets with Chase, ( 2 ) Chase separately used their own funding to procure the ticket on behalf of me. I also tried to contact the XXXX myself, but given that the tickets are purchased via Chase, XXXX XXXX is NOT able to process the refund directly with me. 

Over the last 12 months, I have made more than 15 phone calls ( evidenced at Chase 's own customer log ), and sent several emails to Chase, demanding to get my Chase Reward Points returned to me ( evidenced in the attached emails ). However, their response is the same ; unless Chase gets refund from the XXXX, I can not get the refund. 

Chase is using its travel agency subsidiary. Under the law, if flights are cancelled, customer is entitled to get the full refund. And Chase can not force me to take travel voucher with XXXX XXXX, as Chase XXXX XXXX can be redeemed as cash to pay for a wider range of payment/ services.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX I purchased an item via paypal, which several weeks later had not arrived, no communication from the seller as to why until I chased. I was finally informed that it was no longer available. On XX/XX/XXXX, I requested a lower priced different item be sent. On XX/XX/XXXX I was informed that a refund would be given for the price difference. This has never been done. Despite being provided with all correspondence in regards to this, Paypal has not done anything in regards to issuing me with a refund,
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

TODAY XX/XX/XXXX XXXX time I received an email from Paypal that they permanently suspended my new created account for unknown reason. They said theres a suspicious activity on the card that I used which is link to my 3 different bank accounts This is my Email ID : XXXXTHis account is under XXXX XXXX XXXX but the docs submitted are all mine. I created this account for work related purposes but since hes just starting for work and no government issued ID and needs to create a paypal account I created one for him which includes my ID in it and they are all link to two of my personal phone number and bank but thats all with my permission. 
This 2 accounts are under my name and submitted all my valid ids such as passport XXXX XXXX, Bank statement, Proof of address Selfie picture holding my bankcards. But still I end up in 180 days limitation XXXX XXXX I tried to contact them via XXXX, through chat and email also over the phone and all of them tell me the same thing that this is final and they cant do anything about it. Theres no way of using the money until 180 days. Please help me. Im just using this for work and online purchases. Now they blocked my account I wont be able to receive money from my part time job since It will just gon na add up to my suspended account. I explained to them that and showed all the proof to lift the restriction. I have enough proof to re-review the case but still I ended up with the same resolution. This case really impacted me a lot. I have all the earnings transferred to that new account. And I dont know how to proceed from here. Please help me : (
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX  and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Consumer complaint received 2021-06-17
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: Chime Financial Inc (VA)

I contacted Chime on XX/XX/XXXX about my cellphone being stolen on XX/XX/XXXX and seeing 2 fraudulent charges pending on XX/XX/XXXX. I was instructed to call back once the charges were cleared which happened XX/XX/XXXX. I was then told I would be issued a provisional credit which could take up to 10 days while the investigation was in progress. I never received the provisional credit and my dispute was denied. Their reason for denying my dispute was because my card was in my possession but the charges/transfers were clearly done through their site/app. They now refuse to reinvestigate my case or compensate me for the fraudulent transactions.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (SC)

On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Submitted a hard inquiry to XXXX XXXX XXXX. 
I did not authorize it and the name of the person isn't me. 

I don't know if this person stole my identity. Or if the company ( CREDCO ) did it on there own. 
I am afraid that my identity will/has been stolen by this company or the person who submitted loan applications to this company. 

It dropped my credit score.
Consumer complaint received 2021-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX  - {$1000.00} XX/XX/2021 XXXX XXXX XXXX XXXX - {$3900.00} Ok this is where it started. 
These two people obtained my phone while I was sleeping and they pursued to send themselves money from my venmo balance so I disputed these charges in a few days later venmo found the dispute in my favor and resolved it and gave me back my money and then they asked me to verify my account at this present time I had not had a updated ID my ID was still expired from the covid experience that we all just had and I had not yet obtained a new one so I had submitted my original documents that I had opened the account with and they had told me that they were outdated expired and they couldn't accept them and then they put a hold on my account shortly after that I had went and gotten me a Texas driver 's license and I submitted them that documentation and they still insisted on rejecting that and not giving me any good reason why they just kept asking me to reverify reverify reverify and it seems like every other time I emailed them or they emailed me it was a different account specialist or somebody and support but it was never the same person more than three times ever in our entire correspondence I even had an executive from the escalations department contact me from XXXX telling me to resubmit my info and that he was going to look into my account that was almost 3 weeks ago and I've never heard from him again. 

I've called several times and I always get the same answer that there is nobody there to talk to that can unfreeze my account that it's all done through email and if there is no other possible way to talk to anybody besides the support team that they hired out third party So to say the least my phones have been shut off I am currently borrowing somebody's phone to even report this to it's been over a month since I paid my rent or any of my bills because I work for myself and it takes money to make money and when venmo wraps up all your money and won't let you have it you're not allowed to make money or pay your bills I'm. currently being evicted
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (GA)

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (IN)

Told me I had a simple loan qnd it was charging me 7.47 percent a day on this loan but when I got the loan it was 20 percent.every month they take XXXX dollars out of the XXXX I pay on the loan .so the loan isn't going down it goes right pack up every month.i paid over XXXX dollars on this loan .they have only taken XXXX dollars of the balance. This company is GENERAL MOTORS
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CA XXXX XXXX Dear Sir or Madam : As of XXXX XXXX XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX  WITH NO Account number XXXX  with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AL)

on or about XX/XX/2021 i was given an adjustment of about XXXX by a supervisor in ohio ... named XXXX ... he said the adjustment would show in 2 business days ... after 2 days the adjustment, still was not on my account ... i called and another supervisor in arizona told me they would have to verify this by listening to the call.. they listened to the call and verified my balance was XXXX .... the supervisor than told me she refuses to honor this ... .so they think they can go back on there agreement .... even after verification ....
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

I have contacted all the credit bureaus and XXXX XXXX to update the months of XXXX, XXXX, XXXX and XX/XX/2015 to ok/current on my 23 closed student loan accounts. I have documentation showing there were 0 days delinquent on all 23 closed accounts but they are all reporting 4 months late making there be 92 delinquent marks on my credit reports. This is causing my credit scores to be significantly lower than they should be causing a barrier for me financially while I am trying to purchase a home for my XXXX XXXX son and I. I have consolidated all the accounts at the XX/XX/2015 and have maintained them as current and kept communication with the company. Please grant my request and adjust the late payment status to ok/current for the months XXXX, XXXX, XXXX and XX/XX/2015 on all the credit bureaus. Thank you
Consumer complaint received 2019-04-19
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: JPMORGAN CHASE & CO. (PA)

XX/XX/2019 XX/XX/2019XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been disputing with Equifax, XXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because Equifax does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX  and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent Equifax, XXXX, and XXXX.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (GA)

Calls about a debt that was covered by Georgia Medicaid for a XXXX ( XXXX hospital ) stay for my daughter over two years ago. I have no idea who this company is.It was XXXX XXXX in XXXX. Called them about twelve times and told them I am not responsible for this bill then they sent it to Optimum Outcomes at phone number XXXX XXXX XXXX which has been harassing me for over two years during which time I have had XXXX. My daughter is XXXX now. 
called XX/XX/2018 XX/XX/2018, XX/XX/2018 XXXX XXXX ,XX/XX/2018 XXXX XXXX,XX/XX/2018 XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, so many more over two years. The phone rings when I am at work and is harrassment.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I was a victim of wired fraud in the amount of XXXX. I have contacted Wells Fargo multiple times. Its been almost two months and they have been giving me the run around for that amount of time. No one seems to know what is going on and this is causing me great hardship.
Consumer complaint received 2019-04-19
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: Innovis (TX)

On XX/XX/2019, I sent a certified letter to Innovis Consumer Assistance requesting validation bearing my signature of an account they are reporting under XXXX XXXX and if they could not provide the information that the account be deleted. On XX/XX/2019, they sent an " account has been verified as accurate '' but provided no validation documents and placed no dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a second letter requesting the verification documents bearing my signature and their failure to place dispute remarks and they not only did not respond to the request, they also did not place dispute remarks. On XX/XX/2019, I sent a letter requesting the procedure used for validation within 15 days and they have since failed to respond.