davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (WI)

In accordance with fair credit reporter act 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CT)

I had an account that I had not used in a while. When I initially tried to use it, the bank that issued the card flagged my account and locked it until I provided documentation for my identity. I complied and sent them documentation by mail, and that satisfied their conditions and unlocked my account. I then purchased gift cards on my Victoria Secret account card on XX/XX/2019. The account was flagged again, and the cards devalued by the issuing bank. I have been trying to get this resolved for the last five weeks, with multiple calls. Promises by many supervisors, telling me just wait a few days, or that the process to put the funds back on the card will take a few days, and nothing has been resolved yet. I have now been charged interest on the account and am late on my first payment, on purchases that I don't even have. My Victoria Secret card is by Comenity Bank. It is now XX/XX/2019.
Consumer complaint received 2022-08-11
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

In XXXX of this year, I believe it was XX/XX/XXXX, my bank and PayPal accounts were hacked leaving me with {$0.00}. XXXX XXXXXXXX XXXX, where I have been a customer for over 40 years, replaced the money in a timely fashion. PayPal returned only half because " the transaction appeared legitimate. '' Since someone purporting to be from PayPal initiated contact with me and other reasons, I believe that the XXXX fraudsters actually work for PayPal. 

I tried to pay for groceries this week with funds from PayPal and was told by the grocery delivery company I use that PayPal denied payment. 

Today I received an email from " PayPal '' informing me that my payment to " XXXX '' for {$540.00} was successful. I will not go to the PayPal site nor call them because that's how it started initially. 

There's more, but that's the gist of it. Please, please, please help me.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I am filing a complaint on Auto Now Financial Services. This company is fraudulent. I purchase a XXXX truck in XXXX of XXXX. I purchased the extended warranty with the vehicle. By XXXX engine had blown..I paid the XXXX deductible, put the car in their shop where it sat for almost three months. They then allowed an outside vendor to do the work on my carwithout even telling me. Then they could not get a hold of the people that had my car to get it back. I was lividand know this can not be legal. They agreed to put me in a new vehicle, which is the car I have now. It is a XXXX XXXX. I have been making payments o this car for about a year of almost XXXX a monthmind you..this car is a XXXX vehicle. I made a payment of XXXX on XX/XX/XXXX which brought me current..and the. On XX/XX/XXXX they pulled another XXXX off my card without my consent. They continue to charge me for a warranty I requested to be cancelled 4 months ago. I. Called today and spoke to XXXX. I wanted to know why I can not access the online portal to make my payments. I advised him that although my account is current .the portal reflects my last payment being made in XXXX.and showed me behind 2 payments. I was told the online portal is being updatedwhich I find hard to believe because I was told the same thing about 4months ago. I told him that I have a right to be able to see my account details including my principal going down on this loan. He hung up in my face. I called right back. He answered the all. I asked for a supervisor and he hung up in my face again. I called again. XXXX answered. I asked for a supervisor. She told me he was in training. WhenI explained to her why Iwas upset and wanted to speak to a supervisor she hung up on me also. I am livid. I have a right to have inwriting where my account stands and the breakdown of my payments and there is no way they should ring business treating people the way they do
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

We were in the Covid-19 Forbearance program. In XXXX XXXX we did an application to modify and start repaying. We called and emailed for months. No responses, no call backs, in the meantime we kept getting bills reflecting an increasing un paid balance. It took until about XX/XX/2022 to get modification paperwork. We signed it and immediately returned it. Expecting our account to be refreshed at a XXXX balance and non-default status. We have now been assigned 3-4 different points of contact, NONE call us back or answer our questions. We never received formal notice that we can start repaying and the account has been brought current ( which it has not ). It is XX/XX/2022. None of our calls are returned or emails. We tried making two payments over the phone amounting to {$3300.00} in mid XXXX These payments were NOT properly reflected on our account and we were getting weekly calls about paying by auto callers- they have no record of our payment AND they can never answer questions. They say they will tell XXXX XXXX XXXX and he will call us in 48 hours ... .he has not EVER returned a call and our current point of contact XXXX XXXX has also ignored all emails and calls. 

My account was also reflecting as over 60 days late on my credit while STILL in forbearance dropping my score tremendously and causing my bank to close my credit cards. 

WE NEED HELP AND WE NEED OUT FROM UNDER THIS SERVICER
Consumer complaint received 2022-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Hauge Associates, Inc. (IA)

I moved last year after i sent out an email stating i wanted to withdrawal from classes at XXXX XXXX. the school sent out my bill to the wrong address and i didnt receive the letter before the dispute date. i had to call or email before XX/XX/22, but i did not receive the letter before that. i talked to iowa central about my email i sent out saying i wanted to withdrawal, but they cant seem to find my email. i need a payment plan that will let me start paying in XXXX next year.
Consumer complaint received 2022-08-11
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 the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 2019-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I authorized XXXX to take {$140.00} a month. They took that plus {$450.00}. I never authorized this. They used the information from one loan to deceptively take an additional amount out. When I told them they said it would take 5-10 days to refund my money. This happened two months in a row. 
Help
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

During the month of XXXX, I had sent a form to get a refund on what I had paid during the months of XXXX or XXXX of this 2022. Not aware that I had used the Capital One Card to pay for a transaction, I thought I used my other bank cards for it. When the last 4 digits was given by the reps at Secretary of State, I compared cards to find out it was on my closed account, credit card that also has a balance. This issue has already been discussed and is in process of the handling between several debt consolidation and of other resolutional sources. Nor did I give any promise to pay or consent to accept such monies to clear debt owed from this refund. The amount was expected to be received by me for other personal use. For the record the consolidation process is currently still ongoing. I tried getting help with issue from both Capital One and the Michigan Secretary of State to NO Avail!
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (GA)

I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling Comenity Capital Bank, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.
Consumer complaint received 2022-08-11
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. (NJ)

there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter. 
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard. 
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later. 
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My wallet was stolen on XX/XX/22 - XX/XX/22 my debt cards and identification cards were in there.That week my debt cards showed withdrawals of XXXX $ and also there was a fraudulent check being deposited in to my bank for XXXX $ from a branch from some random name I didnt recognize, with transactions from a gas station. I reported this to my bank and made a police report. One of my banks approved ( XXXX XXXX bank ) and the other bank ( Wells Fargo ) declined me for around XXXX $ for the reason of unpressurized information?. Which also charged me the fees. I called back and they explained that this were separate claims and can not be in the same claim so it would not allow me to have a successful claim. Police
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the repossession of my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX. The circumstances surrounding the repossession have raised significant concerns regarding the handling of my personal information. 

My vehicle was repossessed from an address where I do not currently reside, and this action was carried out by a non-affiliated third party. To my knowledge, I did not receive any communication providing information about or obtaining my consent for the release of my private information to this third party. 

Moreover, I want to draw your attention to the provisions of 15 U.S. Code 6802, which outlines obligations with respect to disclosures of personal information by financial institutions. According to 6802 ( b ), a financial institution must follow specific procedures before disclosing nonpublic personal information to a nonaffiliated third party : Clearly and Conspicuously Disclose : The financial institution must clearly and conspicuously disclose to the consumer, in writing or electronic form, that such information may be disclosed to a third party. 
Provide Opt-Out Opportunity : The consumer must be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to the third party. 
Explanation of Nondisclosure Option : The consumer must be given an explanation of how to exercise the option to prevent the disclosure of their information. 
To the best of my knowledge, Credit Acceptance did not provide me with any written notice offering an opportunity to opt-out of the disclosure of my information. Furthermore, my private information was provided to a non-affiliated third party with whom I have had no prior association or contractual agreement. 

I am deeply concerned about the violation of privacy and the potential mishandling of my personal information. I kindly request a thorough investigation into this matter, an explanation of the circumstances surrounding the release of my information, and immediate steps to rectify any breach of privacy. 

Your prompt attention to this issue is appreciated, and I expect a swift and comprehensive resolution. 

Thank you for your understanding and cooperation.
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (CA)

the following accounts are not mine, i have disputed many times with equifax and they have not been helpful, i have attached my police report for which i have received from XXXX XXXX police dept. and also the FTC report filed. 
please help me to have these three inaccurate and fraud information removed from equifax credit reporting agencies thank you
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-12-28
Product: Credit reporting 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)

Per 15 usc 6801 And b ( 3 ) I wan na opt out of you sharing my personal non public information that has been harmful to me and has been beyond nonpublic personal information following 15 U.S. Code 6805 - Enforcement and 16 cfr 313 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.pursuant to Privacy act of 1974.
Consumer complaint received 2022-08-11
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: CarMax, Inc. (OR)

While XXXX in the XXXX XXXX XXXX XXXX XXXX  XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXXXXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the XXXX  and stole my vehicle from the XXXX  's storage lot. 

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF FLORIDA PENSACOLA DIVISION  Case No. : 3:16-cv-00713-MCR-CJK DANIEL ENSLEY, Plaintiff XXXX v. 
GENES WRECKER SERVICE, INC., Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to Carmax as it related to them acquiring the vehicle and hiding this from Carmax by requesting a new title for the vehicle. Both myself and my legal representation informed Carmax of the case as it progressed and Carmax made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am an employee of XXXX XXXX XXXX. On XX/XX/2019, I thought I was writing a company check drawn on XXXX XXXX XXXX XXXX, for the purposes of purchasing an XXXX computer. I was directed through email to deliver the check to a Chase Branch and deposit it to account # XXXX. 

On XX/XX/2019, it became quite clear that my email had been spoofed and during negotiations these instructions were inserted. I immediately called the XXXX XXXX, CA Police Department and filed case # XXXX. 

XXXX XXXX XXXX XXXX had me sign an affidavit and tried to find anyone in Chase fraud department who would investigate and return the funds. 

During the investigation both XXXX XXXX XXXX XXXX and and the PD stated the funds are still held by Chase.

I am holding copies of the spoofed email, invoice, deposit receipt, police report and insurance claim but can not find anyone at Chase who will investigate my claim and return the funds.

Chase finally gave me a claim # XXXX to which I have a received no follow up. 

Please can someone explain why the funds can not be returned if they are still held by Chase? 

Thank you for your time.