davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (LA)

I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.
Consumer complaint received 2016-05-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MA)

I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. 

This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. 

This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all.
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my account.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have called repeatly through out the years asking for loan reduction I was told to fill out the paper work They always call back and say the type of loan I can not do this. The interest racks up. I pay for my daughter who is s XXXX however I can not get a discount because I am not the XXXX. However that is not stated when you hear about forgiveness XXXX I never get them to reduce my psyment so I actually can make a payment. If I pay what I can it does not even cover the interest payment. I honestly wanted to make a payment I can afford with this interest payment a lot lower
Consumer complaint received 2017-09-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (CA)

I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.
Consumer complaint received 2015-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.
Consumer complaint received 2016-02-12
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

During recession had to file bankruptcy on home loans with XXXX and XXXX. After year bankruptcy was discharged bank of America sent me paper work claiming they bought my mortgage loan. Due to their fraudulent claim aginst me and apperently others they were involved in a class action lawsuit, of which I received a settlement check. After currently checking my credit report, they still seem to be fraudulently claiming I had a home loan with them, which I never have or will. Wondering how they can lose lawsuit and still say something that 's not or ever was true.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America charged me XXXX overdraft fees in one day for items returned for insufficient funds. A payment to my credit card was processed earlier than I thought and I had insufficient funds for other XXXX transactions that occurred on the same day ( some for as low as a few $ ). The total overdraft charges were {$140.00} in one day. I have been with Bank of America for years and of course I will close my account as soon as feasible. I spoke to a manager XXXX XXXX on the phone ( he said he was at the West Virginia location of the Bank of America ) about this and they refused to even consider canceling XXXX overdraft fee. I hope the CFPB can intervene and assist. Frankly, it is appalling how Bank of America can do this.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My intent was to purchase tickets for around {$50.00}, in an instant my card was charged $ XXXX without my knowledge or authorization. I contacted the merchant immediately indicating it was an error. They refused to help me and bc it was a time-sensitive issue, i issued a stop payment on the amount. I was assured that it would not process. I found out later that it went through bc the merchant pushed it through by changing their name. I then filed a chargeback and was denied. I did not authorize this purchase, did not receive the goods that were sold and believe that i should be able to retain the money.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.
Consumer complaint received 2024-09-04
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. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution 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. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX  account number : XXXXXXXXX - XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX  account number XXXX  - XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.