davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

today XX/XX/2020 I poke with Supervisor XXXX employee # XXXX about my account and late fee and why my payments are not going to the principals and he stated since I apply for the COVID -19 my interest is 87 days late and I owe them {$15000.00} last payment  made was XX/XX/2020. Covid-19 was on the XXXX and XXXX XXXX.and per day my interest is {$17.00} my due dates are the XXXX of each month and for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment of {$720.00} was applied to the interest, not to the principal. 
right now I still own money for the interest for XXXX and XXXX since I applied for the covid-19 that's not fair.
Consumer complaint received 2022-11-19
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: TD BANK US HOLDING COMPANY (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I sent all three credit bureaus the correct information and they refused to change it back my address I sent in letters and no results since XX/XX/2021 My address is XXXX XXXX XXXX any other address on there shouldnt be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MA)

Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX-XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. XXXX TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX.XXXX.XXXX XXXX. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to XXXX up my creditXXXX do to their Constructive Fraud on the Overdraft loan XXXX and the Personal loan XXXX. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.
Consumer complaint received 2022-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Dynamic Recovery Solutions, LLC (TX)

I received 1 or more letter according to dynamic recovery solutions, that I owe a amount of XXXX I believe I have been scammed of money by the original collector XXXX XXXX XXXX XXXX XXXX  I have had problems with financial situations like this one and I do not owe this money
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc. (MS)

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The property by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated not only my financial rights but also my personal rights. They removed my personal property from my apartment which was the direct cause of many of my items being stolen. We were not in violation of the eviction notice as it was sent out that same day. Which means we still had XXXX hours to pay. I have engaged in disputes with this company many of times over the years because of this but they are not attempting to make this fair. The agency is also reporting the collection account each month without my prior consent. Also, I did not receive a letter of notification of this debt. I request that these accounts be removed immediately due to a violation of the fair credit reporting act.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There is a false Bankruptcy reporting on my credit report I have requested the removal of this item several times attached is all supporting documents of this item. This is illegal to report false information. This bureau has stated several times it verified this item thru XXXX XXXX which is false. Attached is a copy of my XXXX XXXX report stating there is no item reporting. I will have to file a law suit if this is not removed immediately.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (NJ)

This is in response to Complaint XXXX. 

I am grateful for Village Capital working with me to modify my loan in XX/XX/XXXX. For that, myself and family appreciate it. 

However, I contracted XXXX XXXX in XXXX of XXXX. I notified Village Capital that due to XXXX XXXX, I lost my job and was unable to pay due to this hardship. I got behind in my mortgage during this time in or around XX/XX/XXXX. I was unable to 'catch up ' as I lost my job. I was then waiting for my new job to start. I am asking for your understanding as this was very stressful on my family and the entire nation. In fact, stressful on the entire world. Village Capital continued to mark my credit as late, did not work with me immediately. Clearly in violation of the spirit of the CARES Act. 

I appreciate your compassion, understanding and cooperation to help me and family move past this difficult time. Village Capital finally helped me in XXXX of XXXX with the loan modification. I called dozens of times asking for assistance. I almost lost my home! Thank XXXX XXXX XXXX in lost mitigation was able to help after months of requesting help. For that, I send her blessings everyday and I truly appreciate it. 

Additionally, I have not been late on my mortgage since the modification. Please assist me and my family with this gesture. We can debate some of the facts for sure, however in the spirit of cooperation, understanding and compassion- we appreciate Village Capital assisting a gracious American citizen.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AR)

I paid off my student loan XXXX XXXX. I did so by pulling equity out of my home. The total amount was {$20000.00}. After the Biden administration announced student loan forgiveness I contacted My Great Lakes XXXX XXXX requesting a refund for all payments made that qualified during the Cares Act. Today I logged into My Great Lakes and my balance went from {$0.00} after to {$20000.00}. I contacted My Great Lakes today to get an update on my refund. I was told that since the payment was made by a third party I was not eligible for a refund of payments made under the Cares Act.
Consumer complaint received 2022-06-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Closed account appeal. Complaint XXXX market as close. While I carried a balance everything was fine with the periodic reviews you claim on the response, I had extraordinary payment history and the company was making money on interest charged. Once the balance was brought down to zero you closed the account during the middle of the pandemic and too away the credit.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (TX)

XX/XX/2022 PayPal will not allow me to login to my account because I do not have a mobile phone or a phone that provides texting. Last week I talked to customer service and was told that I would have to get a mobile phone. I asked to talk to supervisor and was told that the supervisor would not do anything for me and then was put on hold for supervisor for XXXX hour before I hung up. 

We can not get cellular service at our house because it is in a low spot. We only have a land line and our phone is not capable of receiving text messages. I was told they will not send a vocal message to our land line.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (OK)

I purchased a treadmill from XXXX using their financing. By the time I received the payment instructions for the first payment, it was already late, but I sent it in. I tried to call and explain after they charged me a late fee, but customer service did not answer. It was COVID by this time. I kept, and continue to make, the monthly required amounts. But they keep racking up late fees on the late fees and I refuse to pay them because it was their fault. I have filed an online complaint with XXXX, but got no telephone call or response. TD Bank - their financial institutions they use for this apparently, calls and harasses me constantly. When I explain the problem, TD Bank say they can't do anything and puts me through to XXXX XXXX customer service. I waited 2 hours on hold and had to give up. I just tried again and it was a totally automated system with no operator to handle unique problems. This is completely ridiculous. I have an excellent credit score and always pay my bills. I have never filed a complaint with the CFPB before but feel this is the exact type of situation that needs to be addressed by the CFPB because I'm sure they just get other people to pay these fees and rack them up as additional, unearned compensation.
Consumer complaint received 2022-06-12
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. (FL)

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 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 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  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CT)

I attempted to purchase an airline ticket using my Paypal account on XX/XX/XXXX. I didn't have the proper funds when Paypal attempted to withdraw money from my bank. I called my bank ( XXXX ) once I discovered the problem to cancel the payment to Paypal which they have done successfully. Paypal is still holding me accountable for the funds and I have a negative balance according to them. I have attempted to contact XXXX XXXX  via phone as well through email and haven't talked to a single person due to long wait times. I do not have a reference number or booking number with XXXX XXXX, never received confirmation that I have a ticket through them. I am still waiting to hear from XXXX XXXX  regarding reference number/booking with my most recent email on XX/XX/XXXX. In the meantime, paypal is still requiring me to pay the negative balance. I have asked my bank for assistance and they have informed me I have done everything right from their end.
Consumer complaint received 2022-06-12
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

This account was paid off in full on XX/XX/XXXX by refinancing the property with a new XXXX XXXX Deed ( ref attached payoff demand, wire transfer confirmation and recorded XXXX Deed of Trust ). 

The payoff demand included several items of overpayment which PHH has not refunded to borrower XXXX XXXX XXXX. 

The first item consists of three days interest at {$62.00} per day for a total of {$180.00}. The payoff demand was for interest through XX/XX/XXXX but the actual payoff was made on XX/XX/XXXX. 

The second item consists of charges from pursuing a fraudulent foreclosure action after the loan was paid off. These charges total {$2900.00}. 

The third item is for flood insurance premiums paid through the PHH escrow account for 14 months of coverage after the loan was paid off on XX/XX/XXXX. The attachment titled PHH escrow account summary shows a payment of {$920.00} for the period of XX/XX/XXXX through XX/XX/XXXX. 

In addition, XXXX months premiums ( {$150.00} ) from the policy providing coverage for the period from XX/XX/XXXX through XX/XX/XXXX should be refunded since the mortgage account was closed out two months prior to the expiration date of that policy.

Also attached is a copy of the payoff demand made by PHH on XX/XX/XXXX in the amount of {$490000.00}, almost XXXX months after the loan was paid off. At that point, I retained an attorney to get the fraudulent Trustees Sale cancelled. PHH finally cancelled this sale on XX/XX/XXXX.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXk XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-14
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (GA)

I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violation of 15 USC 1601 and 15 USC 1662 ).
Consumer complaint received 2022-06-12
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.