davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The companies listed below did not notify me before placing these accounts on my credit report. XXXX, Equifax, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
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: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

I called wells Fargo Wednesday, XX/XX/XXXX, I told them I needed to talk about my account for the last several months they have been allowing stuff to come out of my account which then they are hitting me with over {$100.00} in fees every time. I have turned everything off and they are still allowing stuff to be put through just so they can charge more fees. When I spoke to them I told them someone needs to figure this out because it is getting to the point now that I am paying them more in fees then what I am paying in bills. Its ridiculous. In just one period last month I paid over {$900.00} in fees
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (MS)

On XX/XX/2022 I mailed World Finance a cease and desist which they received by XX/XX/2022. This can be proved with a recent complaint I submitted on XX/XX/2022, complaint number XXXX. I asked for the corporation to send me information regarding the alleged debt. The document is attached. It has been passed 30 days and I have not received the requested items. I also requested that the company request for the account in question be removed from the consumer reporting agencies. This has not been done as this account remains on my consumer reports! I did not give them permission and they didnt give me an option to opt in or opt out!
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (CA)

On Friday XX/XX/XXXX At approximately XXXX XXXX. I looked on my filling statement and I saw a XXXX XXXX on my account. I was shocked because I don't owe anybody I'm not doing anything I'm tracking my spending I want to know why I have a XXXX  XXXX so I call my banking institution PayPal and PayPal tells me that XXXX is the one that's asking for the XXXX XXXX that is XXXX whatever I told them I don't owe XXXX so what I did was I called XXXX okay to find out for myself XXXX specifically told me I do not owe XXXX that they just put that on there they placed that on there because they're letting you know know that that's the earnings that I made for you know being apart and that was it that I do not owe XXXX so I basically let my bank know that but now they still have XXXX but instead of it being minus XXXX they go down to XXXX XXXX and they're saying I have to pay some money on there I don't owe anything now I'm starting to think that it's PayPal now I had a I had a billing I get billed for water every month with XXXX XXXX XXXX told me that they weren't able to retrieve their money from PayPal I don't know the PayPal 's trying to scandalize me or trying to take extra money from me but they're not being fair at all now they go from XXXX to XXXX and they're expecting me to pay that when I owe nothing I need for somebody to look into this and they will not take it down I've asked them to take that down they're trying to take unnecessary money from me and I'm not about to play with them about my money
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

My Venmo account was unexpectedly and unjustifiably frozen with my {$66.00} dollars still in my account. Venmo requested further identification which I sent ( Drivers License ) yet theyre withholding my money from me. Numerous of their customers have had issues with the same fraudulent activity from this company, its a quick money grab for them!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-08-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (VA)

This grievance is against Nationstar Mortgage LLC dba Mr. Copper, XXXX XXXX XXXXXXXX XXXX XXXX. 
I'm a XXXX XXXX of a Transportation company. I explained, wrote and requested a Hardship or Deferment of our loan payments from Nationstar since my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We were only two months behind but they refused and gave me an ultimatum, sell the house or pay double mortgage payment each month, that totalled {$3800.00}. To add insult, once a week, a Nationstar Lady Representative would call, saying are you still in the house or they will send some old white women to my home to take pictures. Trespassing on my property and I have XXXX camera video to prove my statement. I'm very disappointed in XXXX how they allow Nationstar to mistreat me as a Veteran and fail to provide me with the needed timeframe to repay my debts without refinancing my loan. Because of my low interest rate Nationstar has implemented this Hardship by DOUBLING my Monthly Payment in an attempt that if I miss a payment they can force me to sell or refinance. I strongly believe this is based upon my race as a XXXX family in a prominent XXXX  neighborhood.
Consumer complaint received 2024-06-18
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. (MO)

I've called and written all XXXX credit reporting agencies XXXX times XXXX, XXXX and experian.. 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B.

However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done.

I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

The whole account is incorrect they have multiple balanced across all three credit bureaus that report different balances. Also this account was dismissed and XXXX due to insufficient evidence on there end as well as statue of limitations. It was supposed to be removed from my credit report as of XX/XX/2023
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A

ccount is not correct. In Collections/Charge-off needs to be removed. Account status should be close and paid in full. We have not received the PAID IN FULL Letter from Hyundai.
Responding to Company remarks on XX/XX/year> : - Never received final letter invoice/must be paid in 30 days.

- I have proof of the conversation for approval of paying balance in XX/XX/year>. 

- Auto Payments were never late. XXXX stated they never received the cashier check - but the supporting documentation provided shows XXXX received check from USPS with signature. We had to wait 90 days for the cashier check to be returned due to XXXXXXXX XXXX negligence. 

- After I submitted my proof and on behalf my husband ( joint account ) XXXX requested additional time to research and respond to this complaint. My husband and I have not received a response. 


- Two Payments were made on XX/XX/year>. This Conversation was tape recorded with XXXXXXXX XXXX representative XXXX. I informed him ( XXXX XXXX XXXX XXXX ) I was using my husband debit card ( XXXX XXXX XXXX )- which is link to our joint account with XXXX XXXX XXXX. 

- Payments were received per conversation from XXXX and from XXXX XXXX XXXX  documentation. 

About 2 hours later - XXXX " Charged my husband Debit Card Without His Authorization - leading to cancellation of debit card for Unauthorized Charge. 

A Police Report was file for record and XXXX XXXX XXXX  submitted transaction made from XXXX, but it Declined due to wrong expiration date. 

Now I truly fear this company because they have my personal information including my husband. My husband and I don't feel safe with this company. What they did was illegal at both state and federal level. There are no trust. 

Supporting documentations are provided.
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but XXXX different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Consumer complaint received 2024-07-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIRST COMMUNITY MORTGAGE, INC. (MI)

In the beginning of XXXX I was pre-approved for a DSCR loan  to buy a XXXX XXXX XXXXby XXXX XXXX with First Community Mortgage after she had me pay XXXX for the appraisal. She quit she told me XXXX XXXX would be taking over, XXXX only sent 1 email then my agent and I couldn't get ahold of anyone as the closing date was approaching, XXXX XXXX said he would take over he reassured my agent everything would be fine. Then he put my file aside then after no communication for awhile My agent Called XXXX XXXX he was rude and could of cared less how long my funds were tied up or how stressful this was. He said he would fix it now that he got the file. I had to resend Paperwork in I did it and waited. 
Then we were close to closing and he put wrong loan number on something so it all had to go back to underwriter again. Long story short we went through 4 people lack of communication and putting the wrong loan number down I have my 2nd extension closing date tomorrow and haven't heard anything from the company. No reply to my email from XXXX XX/XX/year> closing date XX/XX/year> I have XXXX into this since XXXX my money has been tied up. I wanted to buy a primary before school started which is impossible now. They completely ruined mine and my XXXX XXXX whole XXXX  because of lack of communication. XX/XX/year> I was pre-approved it's now XX/XX/year> and I am supposed to close tomorrow with no communication.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

I initiated a {$7000.00} withdrawal to my external account on XXXX. I was given no indication that there was a problem with this transaction. On XXXX  I chatted with Goldman to inquire as to why the transactions was still " pending. '' I was advised that it had been " flagged '' and I needed to call in. I was never advised via email, call, text, etc. that this transaction was never going to actually go through and I have been waiting blindly for a week for access to my funds in my external account. 

I called customer service at XXXX three times on XXXX  After speaking with the initial agent, I was told that I needed to " verify '' the transaction and that I would be transferred to that team. All three times, I was never spoken to again after being transferred and each call I sat on hold 1.5 to 2 hours with no acknowledgement. 

On the third call, I advised the initial agent that I would just like the transaction cancelled at this point so the hold on my funds would be released and I could just initiate the transfer from my external bank instead. I was told they can not help with that and placed in to the same call queue even though I advised her I would be filing this CFPB complaint if the same thing happened again, which it did. They seem to either just not care or the first line agents are not provided sufficient internal training to understand what that means. 

At this point I have no access to my funds and no ability to speak to anyone about it to solve the problem since there are no agents accepting the call.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is 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 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a XXXX XXXX XXXX in XXXX of XXXX. I recently looked over my contract and noticed that the dealership, XXXX XXXX, had committed fraud in multiple ways : For one, they didn't provide me with my right to cancel. Second, they lied to the bank ( Capital one ) about my income and how much I paid for rent. Third, we had an agreement for a deferred down payment in the amount of XXXX dollars. However, they failed to disclosed this to the bank. Fourth, they gave me add on products I didn't ask for. And lastly, they told me that the down payment was the only way for me to take home the car. After working for a car dealership, I now know that wasn't true. I also sent XXXX XXXX a letter of rescission as well as a letter revoking Power of Attorney for the XXXX XXXX XXXX XX/XX/XXXX. However, to this day, they have yet to respond to the letter.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

SEE ATTACHED COMPLAINT I financed a vehicle through Santander Consumer USA on XX/XX/XXXX and filed a usury complaint with the OCCC 's office in XX/XX/XXXX. Santander responded to their office on XX/XX/XXXX ( attached ) agreeing to lower my interest rate to 10.01 %, which should've cut the {$21000.00} finance charge in half, as well as lower the total amount due under the contract. Prior to the interest rate reduction to 10.01 %, I paid Santander {$8900.00} and almost 100 % or {$8700.00} was applied only to interest, with only {$520.00} applied to principal in the first year and half. Santander has continually blamed me for their accounting errors, stating it's my fault the interest is so high because I've been late, had extensions, etc. I've explained to their executive office many times over there is a problem with the interest allocation to my account BEFORE AND AFTER the interest rate change and there's no calculation or explanation for them applying almost 100 % of all I paid in the first year and half to interest only. This is in addition to their erroneous application of the interest credit they told the OCCC 's office I would receive, which was also erroneously applied back to unpaid interest. My records indicate I've already paid Santander {$33000.00} plus another {$1300.00} that's unaccounted for and/or not reflected in my payment history at all. To date, Santander has applied {$19000.00} to interest, which is almost equal to the original finance charge at 20.61 %. Santander claims I still owe another $ XXXX on this loan and that I'm 86 days late and nearing repossession status, which is impossible at the 10.01 % rate. I believe my car is paid off or very close to but their executive office refuses to correct or adjust the account to give me an accurate amount still owed, if any. Santander has continually blamed me for the delinquent account status, refuses to acknowledge or correct the account or the credit reporting, regardless of the numerous requests I've made for a manual review of the account related to the interest rate change and allocation.
Consumer complaint received 2024-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (VA)

I was never given the chance to inherit the land that my husband worked hard to obtain. He died XXXX. 
I visited the XXXX XXXX XXXX XXXX VA several months begging them and trying to explain to branch manager that XXXX XXXX XXXX XXXX had given me a affadivit to have notraied that stataed I didnt need to be the executor of the estate to be added. The employee kept telling me to go become exeutive of the estate. I said it was not necessary I even shared the email from XXXX XXXX in VA, I was pushed away every single attempt. I was Finally added to the Truist account on XX/XX/XXXX Two weeks ago without becoming the excecutor of the Estate.. Each time I dial this number the lady that answers she doesnt know anything about financing land at Truist XXXX 
I was never given a fair chance to refinance no Hud help or anything with the federal law that makes it easier to take ownership of inherit property. I was never given a chance. My son XXXX XXXX made a payment XXXX XXXX for XXXX. I went to bank in XX/XX/XXXX to make another XXXX payment, The teller told me I could no longer make payments. The payment had ballon it was due in full. She even made a couple of telephone calls to see why I couldn't pay the payment.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti 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 information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.