davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TN)

I made purchases using my Paypal credit product. One of the items purchased was defective and returned to the vendor. A refund of that item was never credited to the account. Upon request to file a charge back and get the appropriate credit, Paypal refused to allow me to file the charge back and initiate an investigation. I offered to them as evidence the Email the vendor sent regarding his reciept of the return and he even stated he " issued a refund and to please advise him if I see it now ''. I emailed the vendor back that I had not received the refund but have seen or heard nothing from the merchant. 
I therefore decided to file the charge back but Paypal refused to allow me to do so
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (TX)

Driveway Finance corporation does not allow additional payments to be made to a loan without calling and waiting on average XXXX minutes on hold. I was told originally you could make additional payments by calling in the automated voice line, but unfortunately, that is incorrect. Each time I call there is a wait time for our representative on average XXXX minutes. Doing this twice a month thats an average of one hour a month that is a loss to me. I simply request the ability to make an additional principal payment on their website.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My account was turned over to this collection agency on XX/XX/year> for {$280.00} before reaching out to me when all of my forwarding information was provided and I've not been late on my rent after 9yrs with this apartment complex. As soon I received a notice from the collection agency it was paid, I was baffled why the apartment complex didn't reach out to me, but oh well I just paid it. I reached out to the 3 credit reporting agencies and the said I must go through the collection agency, I had given up, but I, m not comfortable with that. I hadn't realized at that time that a collection status was on my credit report, This collection agency stated that they never remove a collection status from a report and that it will remain for 7 yrs, however I find to except when I did all the things correct as a tenant exiting a property and now I pay the price with a flag on my credit report.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I leased a car in XX/XX/XXXX through a dealership in Arizona. 
There were paperwork issues from the beginging for some reason they filled out the paperwork incorrectly. Once all that was resolved with the dealership and went to NMAC when it was time for renewal with my local state DMV i paid the fees and DMV refused to give me my tags because they said NMAC needs to finalize paperwork on their end. I have been dealing with this since XXXX of XXXX ( look at your call logs NMAC ). I have called almost once a month in beginning and now lately every XXXX weeks. I have a car in my driveway I ca n't drive because it is illegal to drive a motor vehicle with no current registration. I have paid for this car and still not able to drive it. I have escalated multiple times to their management team with XXXX call backs ever. When you call customer care at XXXX they will tell you they will get someone to call you back or call back after 10 days each time. No one one calls back and when I call back its like starting all over or even the smart ones actually do some digging and say oh we see its gone to our registration department but we are waiting on the DMV. I still can't fathom to this day how a big corporation like NMAC cant figure out why I can't get my tags from the DMV because of a paperwork deficiency on NMAC part. Seems like no one there has any clue what is going on nor wants to take any ownership. I am seeking a reimbursement of the time frame of prepaid lease payments from XX/XX/XXXX till I can get some tags in my hand. Current lease ends in XXXX total time my car is sitting right now 3 months. Called again today XX/XX/XXXX spoke to XXXX he explained that they are still waiting on DMV to help fix the problem I questioned why NMAC doesnt have someone that can work with DMV directly. I can't fathom that they don't have a person they can directly contact being they are this big. Regardless they transfer me to senior agent yet again named XXXX and they are going to " investigate '' yet again. XXXX in title seems to keep putting notes that says she calls DMV and shes waiting on a call. How can she not have a point of contact at the DMV or follow up in a timely manner. We started this whole process in XXXX of XXXX. Here we are in XXXX.
Consumer complaint received 2024-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

My HELOC was transferred to new company SHELLPOINT. 

We have fixed rate, we have paid same amount on time for years. Now, without reason, the new company unapplies our payments, when theyre on time, and through some terrible accounting practices stated my fixed rate will now be different payment amount every month? 

I have never had an issue with a company before. 

Paid every month accurate and on time. 

This is deceptive and the company has no response after I have repeatedly asked for explanation. 

Payment is XXXX They are now asking for XXXX without explanation
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One, with the help of XXXX XXXX, recommended that I purchase an automobile that had serious mechanical problems and was illegal to drive in the state I live, according to the Arkansas State Police. The dealership, XXXX XXXX XXXX, told me before I signed the loan paperwork that the vehicle had no mechanical problem, which is fraudulent.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PNC Bank N.A. (NJ)

I 'm in the negatives at PNC Bank and a lady name XXXX called my coworker at my place of work XXXX/XXXX/2015 between XXXX & XXXX to have her let me know of my debt and asked my coworker to tell me to call immediately.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

regarding old claim # XXXX unauthorized soft pulls on credit report : XX/XX/year> XX/XX/year> and XX/XX/year> After filing a claim on Clarity for violation of unauthorized soft inquiry pull which is an unlawful invasion of my privacy and an infringement on my rights, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 15 U.S.C. 1681n.

Now, this company is requesting I provide and send them sensitive personal material of myself. Requesting I provide them with following : ( picture attached of them requesting sensitive material ) : FULL NAME INCLUDING MIDDLE INITIAL : SOCIAL SECURITY NUMBER : COMPLETE ADDRESS : DATE OF BIRTH : COPY OF GOVERNMENT ISSUED IDENTIFICATION : COPY OF UTILITY BILL This company has violated my rights and now requesting I send them all these information and documents.

I have attached my info with CFPB and not direct to Clarity as i do not know how they got my information and no approval from me to do any soft pull on my credit multiple times. Provided are information of what they have requested.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

regarding old claim # XXXX Company name XXXX XXXX did a soft pull on my credit report on following dates : XX/XX/24, XX/XX/24 and XX/XX/24 After filing a claim on Clarity for violation of unauthorized soft inquiry pull which is an unlawful invasion of my privacy and an infringement on my rights, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 15 U.S.C. 1681n.

Now, this company is requesting I provide and send them sensitive personal material of myself. Requesting I provide them with following : ( picture attached of them requesting sensitive material ) : FULL NAME INCLUDING MIDDLE INITIAL : SOCIAL SECURITY NUMBER : COMPLETE ADDRESS : DATE OF BIRTH : COPY OF GOVERNMENT ISSUED IDENTIFICATION : COPY OF UTILITY BILL This company has violated my rights and now requesting I send them all these information and documents. 

I have attached my info with CFPB and not direct to Clarity as i do not know how they got my information and no approval from me to do any soft pull on my credit multiple times. Provided are information of what they have requested.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2016-01-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NC)

Summary of complaint : 1. In violation of PayPal User Agreement, Section XXXX, PayPal failed to properly investigate and protect me against unauthorized charges and illegal selling practices, in which Seller doubled my order without authorization, and then refused to refund the extra item unless I pay restock and shipping fees which exceed the refund value. 

2. PayPal failed to provide an explanation of their decision to deny my claim, which is in violation of PayPal User Agreement, Section XXXX : " If we decide that there was not an error, we will include an explanation of our decision in our email to you. '' 3. PayPal refused to provide documents used in the investigation, which is also in violation of PayPal User XXXX, XXXX XXXX : " You may request copies of the documents that we used in our investigation. '' Summary and timeline of transaction and dispute : XXXX/XXXX/XXXX : XXXX. XXXX XXXX : I order a Sweater, size Small, from XXXX ; paying via PayPal. 
XXXX. XXXX XXXX : I review email from XXXX and notice invoice is for size Medium. 
XXXX. XXXX XXXX : I respond by requesting XXXX to cancel wrong order and send size Small. 

XXXX/XXXX/XXXX : Three ( 3 ) days after my request to cancel the incorrect order, XXXX ships out XXXX orders, XXXX ( XXXX ) Small and XXXX ( XXXX ) Medium, from XXXX, XXXX. 

XXXX/XXXX/XXXX : After discovering that XXXX has shipped and charged me for both sweaters, I advise XXXX of the error and request to return the incorrect order. 

XXXX/XXXX/XXXX : XXXX responds " we sent you size M, by the way, we are XXXX size, it will run a little small.we think M is better for u '' XXXX/XXXX/XXXX - XXXX/XXXX/XXXX : After three ( 3 ) weeks of poor communication with XXXX, XXXX finally agrees to accept a return if I pay {$30.00} shipping, and after receiving the item they will deduct a XXXX % restock fee and issue a refund of only XXXX % of the original cost. 

XXXX/XXXX/XXXX : Frustrated with the slow/poor communication, I report the issue to PayPal in hopes of a more timely resolution. 

XXXX/XXXX/XXXX : 1. I receive an email stating that PayPal denied and closed my claim, with no explanation as to why. This email states : " If you 'd like a copy of the documentation we used in the investigation of your unauthorized account use claim, email us at XXXXXXXXXXXX ... '' 2. I send an email to XXXXXXXXXXXX, requesting the documentation used in the investigation. 

XXXX/XXXX/XXXX : I receive an email from XXXXXXXXXXXX refusing my request for documentation, stating, " To request information about a customer? s PayPal account, an attorney or law enforcement officer must submit a legal subpoena. ''