davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NV)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

Wrong opening account date showing on credit report
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. After transferring to the XXXX address, the cryptocurrency was cashed out with a Coinbase-controlled cash-out wallet. 
Based upon the understanding that www.coinbase.com is acting compliant and will provide the due care towards its own wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information. Coinbase failed to provide the required information about the XXXX hosting the beneficiary wallets. By so doing, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information.
Consumer complaint received 2024-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

This is in regards to a private student loan ( {$20000.00} ) from Navient. I applied for this loan in XX/XX/XXXX when I was in graduate school for which I had a co-signer. In XX/XX/XXXX, my co-signer filed for bankruptcy and, through the procedures, half of the balance at the time ( appx. {$14000.00} ) was automatically paid off. Since, Navient sent me emails with {$0.00} due and explained that a large payment constituted a payment ahead of the schedule and it was no longer due for a while. I had never ( and have still never ) experienced such a large payment situation and I did not understand what that meant. I figured when payments resume I can just make normal payments ( principal + interest as before ). Because this occurred shortly before the COVID pandemic, I tried to balance out the challenges that came with that and believed their recurrent emails that constantly showed {$0.00} due ( no interest payments required or suggested were every mentioned ). In XX/XX/XXXX, payments restarted and I called to inquire about paying additional every month towards my principal so I can expedite the loan payment. At this time, Navient refused to allow me to make any payments towards the principal until I first paid the interest accrued since XXXX ( appx. {$5000.00} which I am not in a position to pay off ). They provided the original loan documents which state that payments go first towards the interest and then principal. I understand that I signed those documents but I had no power over the payment ahead being made in XXXX and not XXXX time since XXXX did Navient attempt to contact me and explain how this was going to work beyond emailing me that I HAVE NOTHING DUE. I find this to be a very predatory practice as is their refusal to allow me to make partial payments towards my loan principal at this time IN ADDITION to the interest payments they are requiring. My account is current and I reached out to their XXXXXXXX XXXX XXXXXXXX XXXX which only invoked the same documentation and closed the file. Because the interest will continue to grow, I have no way of catching up any time soon in this manner because the balance will continue to grow as the interest keeps adding to the constantly growing amount without being able to pay anything towards the principal. I have also requested them to cancel out my interest since XXXX due to their failure to communicate with me and explain about the implications but they refused that. I have never had a lender not allow me to make additional payments towards the principal and I find this, as stated, highly predatory, especially since it is a student loan not a for-profit business.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I deposited a check on XX/XX/XXXX was told that I would have my funds by XXXX XXXX on XX/XX/XXXX was told by multiple bankers that I could talk to a supervisor and get my funds released and was told that there's nothing they can do to help me it is a payroll check and I know those are not supposed to be held
Consumer complaint received 2018-04-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (GA)

I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SANTANDER CONSUMER USA XXXX : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX, TX XXXX Dear Consumer Finance officer at XXXX XXXX I am writing to dispute a close account of an Auto Loan of {$28000.00} to my account on XX/XX/XXXX. The charge is in error because the auto was taken from me in an armed robbery in Washington D.C. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the police report supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX # XXXX - PUBLIC INCIDENT REPORT- XXXX  POLICE DEPARTMENT WASHINGTON D.C .
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I was called and told urgently that there was something wrong with my bank account and that I had to send my money over to a trusted banking app like Cash app, XXXX, XXXX, etc, which I told them I had cash app, and told me send all my money to my cash app account, they then told me to add a different card to link to the account ( which they said was my new card ), then had me add a dollar from the card and cash out for a test transaction, they then had me cash out all my money out on the new card, they then told me to add back my old card which they then ended the call and blocked me leaving all my money on the supposed test bank card.
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (WI)

I am currently 1 payment of approximately XXXX since the end of XXXX and have continued to make my normal payments of XXXX. Daily I get multiple phone calls, texts and emails despite the fact that I have told the case managers on the phone that I do not have the money to make up the missed payment because I have a family of XXXX that I have been supporting alone for about XXXX month due to multiple job lay offs and then job ending for my boyfriend. They text me letters saying I'm failing to communicate when I do in fact speak to or respond to the texts when I am able as I work long hours with no breaks as a XXXX XXXXXXXX in a restaurant. This evening I got a text stating I agreed to a payment of XXXX on XX/XX/year> and I did not agree to that. Again I responded to them my correct pay date of XX/XX/year> that u agree to the normal payment of XXXX. They refuse to listen or help with my current situation and continue to do these things on a daily basis. It seems very unprofessional at this point.
Consumer complaint received 2024-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Lender ordered an appraisal from XXXX  biased appraiser that undervalues homes in XXXX XXXX. The result was a denial of my loan. Loan was applied for in XX/XX/XXXX. I received copy of appraisal XX/XX/XXXX.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (NC)

I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Discover credit card is reporting a open balance on my credit report for a charged off account that is affecting my utilized revolving credit card balance, impacting my credit report as a open charge Off and preventing me from improving my credit and securing a home. 

I called Discover to pay this debt and they have stated they will continue to report it with a balance and not allow me to pay this debt because they sent me a 1099-c. 

I have asked to be allowed to pay this debt so that I can resolve the open balance and they will not take payment for the debt. 

They state the debt is forgiven and refuse to work with me to resolve this issue.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOME ACCEPTANCE CORPORATION (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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. '' XXXX, XXXX and XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX  the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wallace Management Company, LLC (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Empire finance of AR XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Sincerely
Consumer complaint received 2024-09-11
Product: Credit reporting 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 to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$250.00} Account name : XXXX XXXX XXXX {$500.00} Account name : XXXX XXXX XXXX {$9800.00} Account name : XXXXXXXX XXXX Account # XXXX {$2100.00} Account name : XXXX XXXX Account # XXXX {$180.00} Account name : Capital XXXX Account # XXXX {$320.00} Account name : XXXX XXXX Account # XXXX {$520.00} Account name : XXXX Account # XXXX {$270.00} Account name : XXXX XXXX Account # XXXX {$250.00} Account name : XXXX Account # XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX Account # XXXX {$1500.00}
Consumer complaint received 2023-08-03
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. (TX)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXXXXXX XXXXBalance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Onity Group Inc. (NC)

I submitted a complaint ( XXXX ) against PHH Mortgage Services on XX/XX/XXXX. They responded XXXX. I thought that the response was inadequate and full of fluff as I stated in my feedback dated XX/XX/XXXX. While checking my email today, I noticed that I received an email from my credit protection team. Per the email, XXXX reported a negative change in my credit report, which may be associated with a late payment. The creditor is PHH Mortgage Services stating that I have a Negative Account Change. This was reported on XX/XX/XXXX. 

PHH Mortgage Services stated that they are no longer my mortgage company after XX/XX/XXXX. When I contacted PHH Mortgage Services ( XXXX ) XXXX on XX/XX/XXXX, at XXXX, I spoke with a young lady. The call lasted XXXX minutes and XXXX second according to my phone information. I told her who I was and gave account information. She said, " Your account has been transferred to XXXX XXXX XXXXXXXX and to call them for account information. '' At XXXX, on the same day, XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX. I spoke with XXXX XXXX for XXXX minutes and XXXX seconds. She said that they would be sending me a packet and that no negative information would be reported for 60 days while they work on transferring my account. As of today, I do not have the packet she said would be sent out on XX/XX/XXXX. 

There was no discussion about anything except to contact XXXX I do not want to waste any more time, so I'm asking Consumer Financial Protection Bureau for next step ( XXXX ). PHH Mortgage Services was a nuisance from the start, and they were unable keep up with my mortgage payments properly and I feel that they have an erroneous system for charging fees to their customers. There is no way that I can do ( XX/XX/XXXX to XX/XX/XXXX ) another 5 years dealing with a ( debt collector ) fake mortgage company. 

At this time, I would like to know who I can elevate this issue with. Should I just get an attorney. I have moved on and ready to start with XXXX XXXX XXXX. I want my freedom back, because there is no freedom when dealing with a rogue entity like PHH Mortgage. I did not ask for their service and this is the problem when a company sell your contract to another. Especially when you do not know if they are any good. 

Sincerely,
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CashRepublic Holdings, Inc. (TN)

XX/XX/XXXX. They had opened a new loan and ran my credit without my knowledge. Last time I opened a loan was XX/XX/XXXX. They were pestering me to get a larger amount loan and I told them absolutely not!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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.