davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (VA)

/Complaint against Equifax . Started on XX/XX/2020 to unfreeze my credit report to allow a mortgage broker to access my account for a re-financing of home mortgage. Used my password and user name created way back from the original Equifax Breach, when I froze my account. I have spent a week at their website and my original, very well documented password they say is innacurate. Then I tried the " need help with password, we'll email a link to re-set '' and never got an email after 20 attempts. They have many log in pages on the internet, many of which are dead and not retired. In many cases I kept getting " try again later '' which never worked. Some links don't lead to any pages or don't work at all. I called customer service and was told I had to mail all of my personal information to them. I do not wish to put all the documents that someone could use to steal my identity in an envelope, when I should be able to access my account that has been set up for years. I informed customer service of all the bad logins and bad links on their site and requested she let them know. She said I am not allowed to do that. So, I tried setting up a new account and was successful at getting in to my account only to find out that any link I clicked on to unfreeze my account lead a " try again '' or " this pages is not available now. Today XX/XX/2020 I get an email from them saying login and check your free credit report. I have been to the login page three times and attempted to log in and all I get is, " SORRY, TRY AGAIN LATER. Their website is a total mess and I am unable to unfreeze my account to apply for a lower mortgage rates. 
Back when they had the breach, they had the same issues with their site and service. 
It's deplorable that I can not access my acccount to apply for a mortgage. I am fairly sure that I am not the only one with this problem. Someone needs to go up the ladder at Equifax and let them know of these issues that are preventing us for getting access to our accounts to get a free credit report, or unfreeze our accounts. This is costing me time and money. From XX/XX/XXXX to XX/XX/XXXX and I still can not unfreeze my account This is a very serious situation that needs IMMEDIATE ATTENTION BY THE CFPB.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX has been reported as opened without my authorization and contains charges that I did not make. I became aware of potential identity theft and fraud concerning my personal information back in 2020. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report. I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. Thank you for your prompt attention to this issue. Sincerely, XXXX XXXX
Consumer complaint received 2016-10-25
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a Capital One Spark card that I used to pay my bills primarily with Western Union. 

There was several XXXX XXXXXXXX payments that did not get sent from Western Union and as such disputes were opened with Capital One to assist in locating the funds and making sure that the payments were found. 

On several occaisions Capital One charged me interest and fees in violation of the Visa network agreement. On several recorded calls, I was misled due to no fault of my own that certain actions would be performed and never were. For example in XX/XX/XXXX, I was told that the rep would continue processing the disputes and would call me back after it was completed and that I did not need to remain on the line, when I followed up a week later after not hearing back, that rep informed me that it was against bank policy, however confirmed that the call recording had been listened to and I was told it would be processed with out me on the line. Capital One refused to refund the interest fees that were applied. 

After the disputes were submitted late, I was charged interest and fees. Western Union then processed the items in question and I was made whole, however 1 XXXX was refunded resulting in a credit balance on my card for {$990.00} which Capital One is refusing to refund. 

I was informed, despite not owing anything to Capital One, my account remains in Collections and " Credit Balance Refund will be blocked indefinitely '' Additionally, I was told that my rewards balance would be paid out because it had been " redeemed '' prior to being closed. The balance is {$4400.00} I am asking Capital One to issue me a check for the following : 1. {$4400.00} -- Rewards 2. {$990.00} -- Credit Balance on the Card 3. {$800.00} -- Interest from XX/XX/XXXX 4. {$1800.00} -- Interest from XX/XX/XXXX 5. {$3200.00} -- Interest from XX/XX/XXXX Total : {$11000.00}
Consumer complaint received 2020-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I lost my job for the pandemic, I couldn't made my payments anymore of my loan OPORTUN name of the company, so I called them to let them know about my situation, they said they are going to help me with out any penalties or extra charges today Saturday XX/XX/2020 I called them again to extend my day of payment, surprise my amount of my loan increase {$230.00} more, I just feel ripped off, that is their help when I'm been punctual in all my payments and this is a bad time no just for me for many people.. I try to talk to them about it and got some explanation about the charge and they said is interes ... so what I can do, they really give more time yes but charges a lot for that.. please help me.!!!
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Due to Covid 19, a payment was posted to the wrong Bank of America account of mine, both under a Balance Liquidation Program. The collections manager made a deal with me that if I paid the account current that she guaranteed removal of the 30-day late  credit reporting. I complied. 

I then received a letter refusing to remove the reporting as I am under a balance liquidation program. 

The manager made an agreement with me to remove the 30 day late reporting in exchange for the payment. The Bank of America is obligated to keep the agreement and remove the 30 day late reporting.
Consumer complaint received 2020-05-16
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. (NY)

My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (KS)

Wakefield is attempting to collect a debt that I have never heard of from an alleged creditor or medical facility I have never visited nor heard of nor visited. Wakefield nor the original creditor/medical facility has never contacted me before to provide validation or proof of this debt. This is not my debt and likely the result of identity theft.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: The B & F Corporation d/b/a OK Loan Service (OK)

I paid {$160.00} to b & f finance today I have received text messages saying I only have to pay {$90.00}. The people have been harassing me. Threatening to take legal action against me. I made a payment to XXXX XXXX XXXX of {$100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that they sold my collection to a different company then gave me a wrong number to call. I am XXXX.
Consumer complaint received 2022-08-14
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: SYNCHRONY FINANCIAL (NY)

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give SYNCB/SAMS club written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/SAMS CLUB DATE OF INQUIRY : XX/XX/20XXXX XXXX
Consumer complaint received 2020-05-16
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

The charge was from a company that I had found was from another company and one that I even told customer support in a phone call that I did not authorize and they denied the claim twice and sent an email with all the information of the investigation which had no reason and no information as to why it was denied even though I told customer service I did not authorize it nor did I recognize the service.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions.

I would like this account to be deleted from my credit report immediately
Consumer complaint received 2016-07-25
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have been a Penfed Credit Union member over 8 years. I applied for $ XXXX signature loan, was denied, and the reason was too high loan balance? No explanation was given. The only account I have with Penfed C.U. is a $ XXXX XXXX, with a balance the was was $ XXXX, but has been paid down to {$6700.00}. My wife is a retired XXXX with a XXXX month pension and I am semi-retired with {$1300.00} monthly Social Security and I work part-time as a XXXX with {$3500.00} monthly additional income. Our mortgage payment is XXXX monthly, plus some smaller monthly payments.The Penfed phone employee did not listen to me and my reason for the installment loan request. I personally felt age discrimination. Please follow-up with Penfed.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch (AL)

This complaint stems from an alleged contractual relationship. I have a right to an authenticated record of accounting. I am hereby disputing this alleged debt from American Profit Recovery and require this information within the time allowed by law. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

I have a used vehicle loan with FLAGSHIP CREDIT ACCEPTANCE since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. FLAGSHIP CREDIT ACCEPTANCE processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site https : //my.flagshipcredit.com/Default.aspx? BrandingID=Flagship #! /paymenthistory. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments. 

I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply. 

The error is not only false but is severely hurting my credit score. FLAGSHIP CREDIT is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers. 

FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P. (TX)

I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Payoff process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

hello, I've made several complaints and sent in several proofs to Transunion reporting the Account " XXXX " reporting inaccurately. I contacted Transunion by writing for several months about them reporting inaccurate information. they have failed to investigate instead they send verification letters back or " we will not re investigate with out proper proof. on XX/XX/2020 I sent in proper proof of these violations and instead of complying with consumer rights they sent yet another letter stating they won't investigate or fix this issue. please help me this is crippling me and my future in these hard times we are facing on XX/XX/2020 I sent in more proof that they ask for on XX/XX/2020 they sent they won't re investigate
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc. (NY)

I have leased a XXXX Tesla XXXX XXXX through Tesla Finance since XX/XX/XXXX. Accordingly, XXXX XXXX has my XXXX XXXX XXXXXXXX checking account information and my authorization to deduct my monthly lease payments, which has been working without issue since XX/XX/XXXX. Notably for purposes of this complaint, however, I DO NOT subscribe to Teslas Full Self Driving ( Supervised ) service ( FSD ). Recently, in an effort to increase customer use of FSD ( and likely use the data generated by its use to improve the system and assist in XXXX attempts to release a robotaxi service ), Tesla has extended owners a free trial of FSD. I did not activate the trial or sign up for FSD during the trial period. However, on XX/XX/XXXX, Tesla Motors, apparently using my BofA checking account information on file with Tesla Finance, performed an unauthorized transaction for {$99.00} alongside my normal, authorized lease payment transaction. Upon information gleaned from an internet search, a similar {$99.00} unauthorized charge was applied to many additional Tesla owners and is ostensibly for FSD subscriptions.

I reached out to Tesla Finance to inquire about the charge, but no one was available to answer my call. I was instead advised to email Tesla Finance, which I have done, but have not received an answer at the time of this writing. I have also disputed the {$99.00} unauthorized charge with XXXX and they are very responsively investigating. However, the investigation will understandably take several weeks. Given the facts that ( 1 ) Tesla has recently experienced sales and revenue slowdowns and is undergoing large layoffs, and ( 2 ) that many Tesla customers are apparently experiencing similar unauthorized charges, I recommend CFPB investigate how serious and widespread this issue is. Whether through error during layoff chaos or something more nefarious ( such as trying to make up for revenue slowdowns ), Tesla maXXXX be collecting unauthorized charges from customers on a large scale.
Consumer complaint received 2024-05-03
Product: Credit 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 (TX)

I had issues with two merchants which I got charged for item I didnt receive correctly and I have submitted the documents to show them the merchant denied me refund, however the bank hasnt helped me get my funds back and didnt help me resolve it Dispute XXXX Dispute XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

My checking account got hacked into and XXXX was paid to a person I do not know. Chime sent me a text saying something about some was trying to make a transaction for XXXX I'm not to worry they where handling at. Next time I look at my account XXXX was gone. Which left my account empty. I called them and let them know that I couldn't have made that transaction because I was on a plane going to California asleep on my way to identify my son who passed away that week. So they denied my claim. Causing me added stress on the worst day of my life.
Consumer complaint received 2022-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

Said denied on loan mod due to investor said NOT MAKING ENOUGH MONEY ON LOAN? NEVER RECEVIED ANYTHING NEED COPIES OF IT, ORIGINAL LOAN DOCUMENTS NEED TO SEE and why not modified for XXXX  years at a RECOVER MODIFICATION! AND GOING XXXX NC XXXXXXXX XXXX XXXXXXXX will cover the difference, but need never received anything from the bank!
Consumer complaint received 2020-12-04
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: BARCLAYS BANK DELAWARE (MA)

This account are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC (FL)

I am in the middle of a XXXX, my financial situation is difficult at best. I took the loan out to help temporarily, and they are charging me like XXXX XXXX  interest. 

More importantly, I was running a bit late, and so I got on the phone with them to discuss my options. They told me they would push my XXXX payment to XXXX first, and my XXXX payment would be due XX/XX/XXXX. They wouldn't do anything with XXXX and XXXX 's payment, meaning I would then have to double up in XXXX and XXXX. I thought everything was fine. Then they reported me as 30 days past due, even though they voluntarily pushed the due dates for both payments. They misreported my payment history on my credit.