davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I work for an airline and on XX/XX/2021 I parked my car at XXXX XXXX in XXXX, CA. The airline crew rate is {$10.00} per night. I returned on XX/XX/2021 and was charged {$20.00} by the front desk representative, although I only had my car parked there for one night. When I went outside to pick up my car, I was informed by another crew member that since the parking gate was inoperative and open for the day, no hotel guests or parking guests were being charged. I tried to resolve the refund issue with the hotel and was unable to solve my problem. I then contacted my bank NFCU and filed a dispute on that charge. I was asked to submit additional documentation and I provided a copy of charge and screenshots of the open gate. Yesterday I received an email from NFCU advising me that they decided to close my dispute and pay the charge, so I contacted NFCU again and spoke with XXXX, who didnt know how to advise my on that and just told me to send a message to NFCU and write dispute. Today I spoke to a supervisor named XXXX and he looked at the screenshots and kept saying that the screenshot shows the rates, and did not understand that I was providing the screenshot of the open gate and not the rates. He then said that he was seeing a closed gate and I explained to him that the entrance gate on the screenshot was closed but the exit gate was open for that day. He insisted on the entrance gate and rate list, which is not the crew rate. He so disregarded the fact that on that date the hotel parking exit gate was not functional and guests were not being charged.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have applied for XXXX in order to refinance my mortgage with Select Portfolio Servicing ( SPS ) since XX/XX/2021 and they still have not completed this documents. I was told at the beginning of this process to allow them 6-8 weeks, but now it has been more than 16 weeks and nothing has happened. I have made all my payments on time since 3 years ago that they took over my mortgage but because I have a very high interest rate, I'm having hard time making my future payments. I have tried calling and communicating with them numerous times and every time my complains don't get anywhere. It seems like they are holding the note XXXX so please help me get my XXXX completed so I can finish my refinancing to a lower affordable rate with my new lender. Thank you.
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Pioneer Credit Recovery contacted me, the consumer in XXXX about an alleged student loan debt that I was informed that was transferred to from XXXX XXXXXXXX XXXX. Once I received initial notification regarding this alleged debt, I immediately sent the company a cease and desist and a debt validation stating according to the FDCPA 15 usc1692b and 15 usc 1692 c ( 2 ) and c ( 3 ) that I as the consumer did not give written express consent for Pioneer Credit Recovery to contact me about an allege debt and I invoke my specified remedy to not pay an allege debt that Pioneer Credit Recovery is attempting to collect. Pioneer Credit Recovery was sent numerous letters stating that I am the original creditor and I do not owe any debts. Pioneer Credit Recovery failed to respond under penalty and perjury that this was a VALID debt. Pioneer Credit Recovery continued to send false and misleading letters in the mail which violates the FDCPA 15usc 1692e, Pioneer Credit Recovery made calls to my place of employment and asked the secretary at the front desk, did I work there because they were going to file a letter for wage garnishment which they are in violation in 15 usc 1692b ( 1 ) ( 2 ). In XXXX XXXX Pioneer Credit Recovery sent false documents to my job and requested wage garnishment which is violation 15 usc 1692c ( b ). In XX/XX/XXXX, my job started sending Pioneer Credit Recovery a percentage of my monthly pay which is violation 15 usc 1692d ( 1 ). AS OF XX/XX/XXXX, Pioneer Credit Recovery is in violation under the FDCPA 15 usc 1692 ... XXXX for identity theft for sending false and misleading documents with my information on there that a debt is owed which is violation 15 usc 1692e ( 4 ). Pioneer Credit Recovery is reporting on my consumer credit profile that this debt is being handled by wage garnishment which is violation 15 usc 1692e ( 10 ) and Pioneer Credit Recovery violated 15 usc 1692f ( 1 ). Pioneer Credit has caused damage to my consumer credit profile and has defamed my credit score. Pioneer Credit Recovery also stated that I am a borrower which the term " borrower '' is not defined or mentioned in the FDCPA which is a violation under federal law. I, the ORIGINAL CREDITOR AND consumer is requesting Pioneer Credit Recovery to pay {$30000.00} to the consumer and a {$1000.00} for each violation or the consumer will be forced to place this case in federal court.
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation (IN)

I received a notice from XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2018 stating they we're going to place a levy on my bank account if I didn't pay the amount owed. I called and paid in full the amount on XX/XX/2018. They assured me they would notify my bank of the release. On XX/XX/2018, they placed a levy on my account even though the full amount was paid 57 days earlier. No release was ever sent to my bank. I suffered declined transactions, and reversed transactions through my bank along with fees. This is unacceptable.
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC (CA)

I have gotten a loan with high interest rates, but they had told me I could pay it off in a week or month if i wanted, but they are refusing to take my calls, and their online website doesn't actually let you log in to an account to pay anything off. They won't give me information on my loan and by not responding to my attempts to pay off the loan to avoid interest rates, I'm being locked into a 777 % interest rate for a year and I can not financially afford this. I have been attempting to reach out to them to pay this off but they are using deceptive tactics to avoid this. The last phone call I had with them, I had asked them if I can pay off the loan, they replied to that with " sorry I can't hear you, and if I don't get a response, I am permitted to hang up '' and then my number seemed to have been blocked after that call.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (IL)

I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the Experian file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a premier checking account with HSBC in XXXX. I could receive a 3 % cashback with all my direct deposits within 6 months from the advertisement. However, when I checked with them today, they said I'm not qualified for the bonus. I believe I applied through the offer link, and I'm frustrated I didn't get any bonus.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

Westlake Portfolio and US Auto Sales have both overcharged me for gap insurance and have never taken money off of the principal mo ey on my loan. I borrowed {$20000.00} and after over 2 years of XXXX XXXX monthly payments and {$150.00} gap insurance coverage my balance e is still XXXX {$17000.00}.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

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 2023-07-21
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)

Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Consumer complaint received 2021-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

8. Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
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. (OK)

XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.
Consumer complaint received 2021-08-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My wife and I were under contract to purchase land and have a home built on the land since XXXX of XXXX. Our bank, Citizens Bank instructed us that they required architect plans and contractor contract to start the application process. Fees and plans were drafted and submitted to the bank by XXXX of XXXX. Since the paperwork was submitted as requested, it was 1 hurdle after another. 

The banker we worked with was incompetent and requested documents multiple times, which he claimed never to have received. Sometimes he would request documents, which were sent on time and 3 weeks later after following up on the status of our application he would state he could not open the documents, which were sent 3 weeks ago. He would not communicate on the progress of our transaction and this cost us time and money. 

Eventually, I reached out to management in XXXX of XXXX and the chairmans office called to say they were investigating and we never heard back from them. In XXXX again a month after attempting to escalate my issue, I called the bank representative we worked with and said he would have to speak to his manager because we escalated the issue and he was unaware of the progress made on the file. However, the next day he emailed me stating we needed to send documents, which we had already sent previously. 

He was out of touch with the process of our file, the underwriter who worked on our file would never answer the phone except once and eventually we asked the bank to decline our mortgage application so we could cut our losses and move on. 

We lost time we put into meeting with our architect, engineers and contractors to design our home as well as with the town for the multiple inquiries we had to do. Additionally, we lost money we spent on this whole process plus other missed investment opportunities. 

We could have purchased another home or piece of land and this has caused us stress and has set our plans back, which inconveniences our family and mostly, our children. 

After we requested more information and intervention from management they never reached out to us nor was an apology ever provided for the inconvenience they caused us. 

Additionally, the financial obligations we had discussed initially with our bank representative were not as later discussed with the underwriter. Closing costs and other monies we did not anticipate were supposed to be due and payable at closing, which was never mentioned to us previously. 

The bank got away with ripping us off and whats even more heartbreaking is management did not even care to reach out and resolve our grievances let alone apologize for the inconveniences they caused us. 

Your intervention in this matter will be greatly appreciated.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX I received a call from td bank asking if I need any help with my business account I said no didnt no YALL made calls then hung up so about XXXX XXXX  that same day I received a text message asking if I had tried to purchase something in the amount of {$540.00} I texted back no and awaited for my response for them to say they are gon na cut my card off but they didnt I then received a phone call at XXXX and the person on the other end stated that they were calling me from td banks fraud department and that I had some unusual activity on my account that they needed to stop I was on the phone for 40 not realizing that the person was in my account sending fraudulent XXXX payments 28 to be exact so being that my card was compromised I went to get money from my business account and saw that they had moved {$5000.00} to my personal and I couldnt even log in so I called td bank back on the number that called me they stopped {$1500.00} in payments but did not stop {$3500.00} and I still do not have money back.
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IN)

I wrote a letter to a company Capio Partners Dept to let them know that I believe they were in error of a {$60.00} debt that they are claiming I owe them. I also demanded to see verifiable proof for the account # XXXX and to provide the description of the procedure used to determine the accuracy and completness of the information is hereby requested as well to be provided within 15 days of the completion of a reinvestigation and it was not done .I was not requesting Verification, but rather I am requesting Validation
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts 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 Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2023-07-21
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)

Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,