davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (IN)

Im a cosigner on my XXXX  loan. I have asked them XXXX, for the last XXXX XXXX to not call me. Even when signing up online I opted out, yet, they call whether the pmt is late or not. On XXXX they called me, I notified him that Ive asked repeatedly to not be contacted, reiterated that desire to him and he proceeded to antagonize me. The account is not in collections, yet, the call profusely every XXXX  near due date.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (CT)

I received a collections notice from online information services dated XX/XX/XXXX in relation to a debt they said I owe to dominion energy services in the amount of {$1200.00}. 
Their letter states that the debt was owed as of XX/XX/XXXX. I asked XXXX XXXX XXXX XXXXor debt validation and they never provided it. I also advise the agent I spoke with that I had actually received a check in the mail from XXXX XXXX dated XX/XX/XXXX in the amount of XXXX for overpayment on the account in which they said I owed a balance. The agent laughed and hung up on me. I never heard from them again but they added a collections account to my credit bureau and this is having a negative impact on my credit score.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

Greetings, My Loan was transferred to Mr. Cooper in XXXX. I have been with Mr. Cooper for approximately 15 years. I have been trying to deal with and communicate equitably with Mr. Cooper and expecting to be treated as a valued customer ; however not. 

I've had two modifications due to loss of employment each time. If it had not been for XXXX stepping in, Mr. Copper advised me in XXXX that I was not eligible for the second Modification. 

I was able to find employment again after the XXXX XXXX XXXX XXXX. My employer XXXX XXXX XXXX XXXX XXXX  XXXX who built XXXX XXXX in XXXX XXXX had to leave the area due to the XXXX Financial Crash. XXXX XXXX lost our next project... re-developing XXXX acres at the XXXX XXXX XXXX XXXX due to the Real Estate Market Crash. 

Since the second Modification, Mr. Copper has repeatedly reported my payments late. Nationstar dba Mr. Cooper violates the law that clearly states that payments have to be 30 days late before reporting this to the credit bureaus. I have not had any late payments since the XXXX Modification. 

I have repeatedly attempted to obtain documents from Mr. Cooper ; i.e., 1 ) a Promissory Note, Mortgage Document, and Processed Modification Documents that were signed with no legal representation ; only a notary to tell me where to sign. The settlement Papers state that I received a check/money to cover the loan ; which I did not. 

I asked Mr. Cooper to prove that they own both the Promissory Note and the Mortgage which their CRS advised that they did ; the documents can not be separated. I still have not received the documents I asked for. 

I have asked Mr. Cooper NUMEROUS TIMES Verbally and in Writing to Stop Sending messages to me via their secured mailbox. They have been advised that I am unable to open the messages because my username is NOT my email address. The user name can not be changed or manipulated in the message. 

Mr. Cooper has done nothing but try to Sabotage me and my Credit. Having a poor credit score causes one to pay more for insurance, goods, and services. I have finally gotten my credit score out of being poor to good. No thanks to Mr. Cooper. 

I am a XXXX XXXX ; I have been in my home for 31 years. I can not continue to deal with the nonsense from Mr. Cooper any longer. 

Thank you in advance for assisting me. 

Most appreciatively, XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account XXXX XXXXXXXX Case # XXXX According to the XXXX XXXX XXXX, these negative marks are in violation of the law, and I kindly request their removal from my credit report. 

As you may be aware, I filed for XXXX XXXX XXXX  in [ Year of Filing ] in order to reorganize my finances and work towards repaying my debts in a structured manner. Per the terms of XXXX XXXXXXXX, a debtor agrees to a court-approved plan to repay creditors over a period of time, typically three to five years. During this time, creditors are legally bound to adhere to the terms of the XXXX plan and are prohibited from taking adverse actions against the debtor, including reporting negative marks on the credit report. 

It has come to my attention that Capital One has reported 46 negative marks on my credit report in relation to my XXXX. However, under XXXX XXXX, creditors are not allowed to report negative information that predates the XXXX filing, nor are they permitted to report any actions taken in violation of the XXXX plan. Therefore, the presence of these negative marks on my credit report constitutes a violation of the law. 

I understand that accurate reporting of credit information is essential for maintaining the integrity of the credit reporting system. However, it is equally important that creditors adhere to the laws governing XXXX proceedings and refrain from taking actions that could undermine the purpose of XXXX  reorganization. 

In light of the above, I kindly request that Capital One take immediate action to remove the 46 negative marks associated with my XXXX from my credit report. I believe that this action is not only in accordance with the law but also in the best interest of both parties involved.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

XX/XX/2023, I was charged over draft fee for my account after an internet transfer. I specifically mentioned that I wanted absolutely NO OVERDRAFT FEES that I didnt even want it as a possibility in any form whatsoever. Made it very clear. Yet After transferring money It over drafted. They mentioned I had to come in and sign something for me to turn that specific function of over draft off, yet they never ever mentioned that during the sign up process. They hide it and expect me to know thats how they work. I mentioned very much the issue and my concern for over draft, {$38.00} worth of an overdraft charge. Very disingenuous, I dont like that they hid it from me. I called and they said there is nothing they can do. It was a lack of information and definitely a fault on the bank.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I am earning from online freelancing The amount that the company holds was more or less $ XXXX believe it is a mistake to close my account.I am using my paypal account for my business. 
My paypal account XXXX fruits & Vegetables Trading.My paypal email is XXXX have funds that stuck that i need to withdraw for emergency .I am hoping that i will get back my account and withdraw my funds.My account was limited since XXXX XXXX. 
Thank you and God Bless.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I recently filed my XXXX taxes and ran my annual credit report where I was made aware that I have been a victim of Identify theft and Credit Card fraud. While analyzing my report I saw that there were 21 soft credit inquires that I did not authorize nor was I aware of. I have been a resident of California for XXXX XXXX and noticed that all 21 credit inquires were ran in different states : American Express ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX XXXX ( VA ) XX/XX/XXXX, XXXX XXXX XXXX  ( OH ) XX/XX/XXXX, XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX XXXX ( IL ) XX/XX/XXXX, XXXX XXXX XXXX ( DE ) XX/XX/XXXX, XXXX ( CA ) XX/XX/XXXX, XXXX ( CA ) XX/XX/XXXX, XXXX ( XXXX, TN ) on behalf of XXXX  XXXX XXXX XX/XX/XXXX, XXXX ( DE ) XX/XX/XXXX, XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX  ( DE ) XX/XX/XXXX, XXXX XXXX  ( DE ) XX/XX/XXXX, XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX ( OH ) XX/XX/XXXX, XXXX XXXX  XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX  XXXX XXXX ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX XXXX ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX ( UT ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( IA ) XX/XX/XXXX. 

I am concerned that my identity has been stolen and my personal information has been confiscated and has or is currently. being used for illegal activities ( gambling, human trafficking, money laundering ) on the dark web.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

After making a payment on XX/XX/XXXX, my account was debited XXXX the next day. This put the account negative, consuming most of my direct deposit on XX/XX/XXXX. As a result, my automated payments generated overdraft fees, my vehicle broke down, and the automated system tells me that my next payment is due XX/XX/XXXX. I called for a few days ( XX/XX/XXXX, XXXX ) before realizing that I should document my experience, but the essence is below : XX/XX/XXXX - XXXX advised 45-90 days for resolution XXXX XXXX / XXXX - called XXXX @ XXXX hrs, waiting for call back same day - called Ed Financial was advised no action taken same day - Ed Financial states that issue has been expedited XXXX XXXX call back states that XXXX is waiting for signature and to check the mail ( nothing found ) confirmed 45-90 days for resolution XXXX Ed financial - Emergency status no action taken * Audio system says Payment due XX/XX/XXXX same day- XXXX States that no progress made XX/XX/XXXX - XXXX States that there is one more day to make the provisional credit decision. I advised that I would call back tomorrow Same Day - Ed Financial automated system advised next payment due XX/XX/XXXX. Per agent, I will receive assistance with any late fees, and there is no progress on the account, and that I will simply have to wait. 

XXXX XXXX clarified amount taken ( XXXX ) shows pending Credit one more day, will call back tomorrow Same Day- Ed Financial system states payment due XX/XX/XXXX, but website states no payment due. Agent advised that there is no time limit on the investigation, placed me on hold while she looked into the matter. Agent states no action has been taken, that there are a number of requests, and that they are worked in the order received. 

I do not understand how it is so easy for EdFinancial to ignore an error that could lead to missed payments, perhaps even default! Overall, it feels almost deliberate. If my word is not enough, here are other complaints : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wasn't fully explained to on how the account is going to be operating. They take up to XXXX to 5 days to authorize my money then I end up with late fees that pile up and I have them back money that I had in my account to spend. Also when I talked with a representative he told me they have to make sure I have money in my account in order to process the transaction. I'm like if I didn't have money in my account how did I make a purchase. Also why am I banking with you all if you don't know my available balance in my account. I feel like Bank of America is tapering with peoples money. To make them go in the negative I don't know how they're doing it but it's not right. As soon as I got this account my financial advisor has not been honest with me at all. He also doesn't answer my question straight forward. I regret getting a bank account now. They also paid me some money cause I caught on to what they were doing and I spoke about it and I said I will be talking to an accountant about this.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (CT)

My daughter was recently involved in a car accident, the result of which was her car a XXXX XXXX XXXX has been declared a total loss. 
At this point, the leasing company, Ally Financial has unilaterally terminated the lease agreement and has refused to pass the surplus funds that they have received from the counterpart 's insurance company ( XXXX ) to me and therefore illegally profit from my financia troubles. In fact they have received every payment on time and I have offered to pay also the residual 11 monthly lease payments in advance, so that Ally would get all the funds to which it was entitled under the term of the lease agreement. At the same time I would have preserved my right to buy the underlying car for the contractually predetermined amount of {$13000.00}. 
Instead Ally has decided to keep also the {$10000.00} surplus, part of the total XXXX settlement of {$27000.00} for themselves, without any other justifications that this is what the clause 39 of the lease agreement is stating, even though this is clearly unfair and I would personally deem illegal. 
It is like a mortgage company foreclosing on a house for lets say aXXXX loan sells the house , gets {$150000.00} and just decide to keep it all, without returning the surplus funds to the debtor/owner. 
As things are right now, Ally Financial is booking an unjustified extra profit of {$10000.00}, while I had to suffer a loss of the same amount after buying a similar car, a used XXXX XXXX XXXX with 38k miles, versus only 16k miles, at the cost of $ XXXXplus fee instead of {$13000.00} I do understand that the car weas not registered in my name, as it happens in every lease agreement, but it still represent the collateral of the lease agreement and it should be treated in the same way as every other collateral given against a loan, i.e. when the loan has been fully satisfied, the collateral or its residual value is returned to the performing borrower. 
I would add the fact that I was the one negotiating the car price on XX/XX/2020 and the one who got a discount of about {$6000.00} on the dealer 's price because of thegood market tim ing and excellent personal credit rating. 
I strongly believe that I have the right to get the overflow amount of the collateral that Ally has egoistically decided to keep for itself by appealing to the clause 39a, which should also be scrutinized as fully complying with the consumer law. 
I make myself available for any questions or further information you may need to investigate the issue, and I thank you in advance for any help or suggestions that you will provide me in resolving the matter.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are being reported Fraudulently FTC REPORT ATTACHED WITH ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (DC)

On Friday XX/XX/XXXX I noticed two transactions of Bitcoin purchases through XXXX in the amount of {$500.00}. I initially called XXXX who told me they could not help me and that I had to contact my bank ( Navy Federal ) I called them next and followed every step they told me to do. I unlinked my debit card from XXXX. I then canceled my debit card and got a new and closed down my XXXX. In the past I have used XXXX but only to send money and receive money. I do not know how to pay for Bitcoins or how it was purchased. I then filed a claimed for fraudulent transactions and was credited {$500.00} on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX the {$500.00} was token out of my account and the claim was denied leaving my account in a negative status of - {$470.00}. I have reached out to Navy Federal in detail. Then unbeknownst to me my XXXX account was still linked to my Navy Federal account. When I tried to unlink it I found out that I could not do it on my own. Something that took less than 30 seconds to do I had to wait over an hour to get a call back so that their digital department could unlink my XXXX account. By that time someone had already XXXX me {$500.00} to my bank account that was in the negative and now that money is just gone. Navy Federal refuses to dispute that money and return it back to the sender. I have called and sent numerous of emails and no one is willing to help. I have had people hung up on me and even asked me well what do you want me to do, I cant help you it is very disappointing and disheartening because I have had this account for years and never had any issues like this before. And the fact that no one is helping me is really sad to say the least.
Consumer complaint received 2023-07-18
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. (FL)

Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (TN)

Loan taken out in XXXX  and was escrowed for property tax and insurance. Servicer was negligent in paying property tax and insurances on time or not at all causing property to fall seriously delinquent with city and county. I had to rescue from foreclosure for back taxes and rake over paying them myself. However servicer still escrowed loan. Escrow account should have been applied as extra principal payments therefore paying off loan early. Also servicer would wait to apply payments causing inflated interest and forced placed insurances which were not needed because I carried my own insurance outside of mortgage.