davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (VA)

- in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph 3 instructions 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (AE)

Planethome lending did not pay my escrowed taxes on time and forced me to pay the late fees of {$200.00}. 

As an XXXX XXXX military member living XXXX  I have XXXX rental property back in the United States. I was previously with XXXX XXXX after I realized my mortgage was sold to Planethome lending around XXXX XXXX XXXX 

Around XXXX XXXX XXXX  I get a mailed notice from my local county tax office saying the taxes are delinquent, the deadline is XX/XX/XXXX or my house will go into tax sale. I call Planethome tax department and they inform me the taxes were paid. Planethome lending paid the first installment not the second installment. They informed me to send in documentation on their online web portal to justify my case. Well they say a formal response will be issued with in XXXX  days. At that time I did not have XXXX  days to wait around and maybe get the correct response so I paid the bill and excess myself to prevent any litigation or my home going into tax sale. Low and behold Planethome lending paid the same bill minus the late fees a couple of weeks later.

After uploading all documentation on multiple occasions and emailing it to their customer service, today I get a letter saying my tax bill was revised to due an exemption and therefore is the customers responsibility, they are unable to refund the late fees/penalty.

1. First off my exemption status for the year XXXX did not change. Illinois pays property taxes for the previous year. 
2. All the tax bills from the entire county were due at the same dates. Planet home lending paid the bill late.

3. I have rented out homes for XXXX years using mortgage companies and escrow and never once have I paid the taxes out of my pocket.

4. If the taxes were my responsibility why did Planethome make any of the payments at all?

5. If planethome was not going to pay my taxes they should of communicated this to me beforehand and not collected taxes in my mortgage payment. Couldn't they have communicated to me prior to this happening?
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

According to the Privacy Act of 1974 and 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 respect for the consumers right to privacy. I am the Consumer and 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. '' Early Warning Services by definition under this title is a third party company which disclosed transactions history which is very much illegal ( 15 USC 1681 exclusions ) to financial institutions.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave written, verbal or electronic consent for any transaction history to be disclosed.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

My Chime checking account was charged {$17.00} via my debit card from merchant XXXX I was attempting to cancel a free trial on XXXX 's website, and somehow in the process my card was charged without my consent. I immediately requested a refund, which XXXX denied. I then immediately reached out to Chime to report the fraud. The agent who I spoke with was very rude and unhelpful. When I asked for a supervisor, the agent hung up on me.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries on my report that I do not recognize and demand for them to be deleted IMMEDIATELY. the inquiries should not be furnished on my consumer report as they are in violation!!!!! 
Per 15 US code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject subsection ( c ) 2 any consumer reporting agency May furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the account XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2023-12-30
Product: Mortgage — VA mortgage
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: Freedom Mortgage Company (FL)

I have contacted Freedom Mortage several times in an attempt for a repayment plan from a Covid forbearance, when I lost my job due to the closures. They offered this forbearance plan so easily with only a few clicks and no real application. I since have started work again and have more than enough to do a repayment plan for 6 or 12 months, which they say the offer. I have applied several times and they never call back and just keep sending new packets. When I ask for a call back from a manager they say the notes said they did call me back. I have no missed calls from them and no messages on my online account or on my phone. It seems like they are purposely not trying to work with me because I can afford to pay it back. The application is ridiculously long and difficult and they keep saying to do it all again. I even had a manger tell me I was approved and then never would call me back and no one can find that anywhere now. They only want to talk about foreclosure options or refinancing with them. They also blame the VA and their rules that are the issue. When I called the VA representative he stated that is not true that they do not even have a time frame for a repayment plan that according to their loan rules I could take as long as I needed as long as once I started the repayment plan it was forward progress. That there would not be a reason for refinancing unless I defaulted, after the agreed on repayment plan. I am at a loss and do not know what to do I am a XXXX XXXX XXXXXXXX veteran and dont want to lose my house or my 2.25 % APR. Please help!
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp (SC)

XX/XX/2023 XXXX XXXX  XXXX - Received a voicemail from XXXX working for XXXX XXXX 
XX/XX/2023 XXXX XXXX EST- I called back and was informed of a debt that was sent to collections. This was from a former apartment complex we lived in XXXX for damages after move out. 
**I only ever received one email for the bill from the apartment complex and it was closed out a month later with no further communications regarding payment* I told XXXX that the collection agency website stated that it would not be reported to my credit report if settled before expiration date. I also informed XXXX that I never received a paper notification about the debt or have not seen a bill yet. 
XXXX informed me of the total and gave me two options to pay in full or make 2 payments of XXXX. He told me I had to pay it by the end of the day to avoid it being reported to my credit report. I told him I would call back after discussing with my husband and former roommate at the apartment. 
XX/XX/2023 XXXXXXXX XXXX. EST- I called back to ask if certified checks were acceptable as I did not feel comfortable sending banking information over the phone. I also asked for an email invoice of the debt so I can see the charges and what I owe. I was never emailed a copy in a timely matter. 

I was rushed and told to make a payment within a couple of hours which is not feasible when rent is due in a couple of days and bills need to be paid. The call was stated to be recorded so there is evidence of XXXX pushing me to make a payment immediately.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Over a six week period beginning in XX/XX/2023, numerous eWithdrawals made totaling {$3100.00}. Noticed the problem and informed Wells Fargo on XX/XX/XXXX and submitted fraud reports by telephone. Claim for {$2400.00}. 

Two more fraudulent withdrawals were made following my reports, and I submitted a claim for these. Claim for {$700.00}. 
Wells Fargo Fraud claims department said that they would handle things by the end of today XX/XX/2023. 
Today ( XX/XX/XXXX ) I learned that Wells Fargo has denied the claims. I had to telephone to discover this.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (PA)

To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

1. Discover Credit card opened XXXX XXXX. XXXX without my permission. I realized this fraud opened an account in XX/XX/XXXX with a notice from three credit bureaus about delinquent status.

2. I also got the mail from the PBI that there was a data breach and my information belonged to this data breach accident.

3. I sent all of the evidence to three credit bureaus and a Discover card company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But Discover still remains on my credit files. 
The three credit bureaus noticed today that the Discover card was not accepted delete this fraud account with charge-off status. 

XXXX. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX in XXXX. I lived in XXXX, XXXX. I moved to XXXX in XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE CREDIT CARD OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH CAPITAL ONE AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC (UT)

I really dont know what this is. It was continental finance company a MasterCard from the XXXX  XXXX XXXX. XXXX XXXX management company is the person calling at XXXX XXXX XXXX is the partner at XXXX. I dont know what the account number is I do have my name, social and date of birth. I believe this is an old collection, or it was part of my bankruptcy. The lady says theyre filing a civil lawsuit against me and they keep repeatedly calling, they call me they call my husband they call my kids who are XXXX and XXXX. I dont know what this is and if theyre going to civilly sue me they should submit some information to me if its a debt over 10 years old I dont know why theyre still reaching out, or if it was part of the bankruptcy
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Consumer complaint received 2020-07-30
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. (OK)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} AXXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX   XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}
Consumer complaint received 2023-09-02
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: S & S Recovery, Inc. (AZ)

A Gentlman working as a collector threatened me with legal action if I did not pay off a debt I may or may not owe at S & S Recovery on behalf of the XXXX XXXX XXXX
Consumer complaint received 2018-11-20
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: Experian Information Solutions Inc. (FL)

This complaint is regarding the account XXXX   XXXX.After sending dispute letters to XXXX and Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp. (NC)

On XX/XX/24 United Auto Credit illegally repossessed my car at midnight. At no time was I made aware as a consumer that I was in default nor did I have reason to believe I was in default. I received a deferment in XXXX for a total of 3 months, this deferment moved those 3 payments to the back of my loan. The reason for this was the numerous mechanical defects present on vehicle at time of delivery by its parent company Vroom automotive. On XX/XX/24 United Auto Credit printed a statement with an inflated balance of {$2600.00} which when I called they were unable to explain. Nowhere on this statement does it inform me as a consumer that I am in default of any agreement, furthermore United Auto Credit claims they have to only send one notice of right to cure for the life of the loan so in essence giving them right to seize property at any time in the future just because they want to which is yet again illegal and you must send a right to cure each time a consumer goes into potential default after the previous instance of default had been cleared. United Auto Credit has violated several NC state statues designed to prevent predatory practices like this. I have complained at lengths about its parent company Vroom that knowingly sold me an unsafe vehicle and now its subsidiaries is going about the same shady practices. I feel as a consumer that I am now being targeted for my complaints against Vroom.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (AL)

I currently have XXXX open car contract with Santander Consumer USA : Acct # XXXX I contacted Santander Consumer USA between XX/XX/XXXX and XX/XX/XXXX of 2023, to notify them I am Revoking All Security interest in my XXXX car contracts they currently have. I also revoked all interest for additional contract agreements pertaining to the XXXX car contracts, such as, Insurance, and maintenance etc. I sent XXXX signed and stamped Certificates of Indebtedness to XXXX XXXX XXXX ; Legal Counsel for Santander Consumer, at their office in Texas and XXXX copies of the certificates of indebtedness to XXXX XXXX XXXX, who I believed to be the Indentured Trustee for Santander Consumer USA. Neither have answered me to date. I also sent an additional correspondence to XXXX XXXX XXXX recently and maybe he will answer my real concerns. I have proof of delivered service for each gentlemen. My intention was to submit an option for payment of the current car contract, discharge the debt and to notify Santander Consumer of their dishonest, false and misleading terms contained in the contractual agreement. I submitted a payment option and the option was not accepted, so the debt is discharged. I received a response from a customer service representative, no specific person for me to address, who stated all request from me were denied. The customer service representative also told me I had a " No Cooling Off Period '' clause in my contract, however, according to the Federal Trade Commissions Trade Regulation Rule 16 C.F.R. 433.2 commonly known as the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless.

For this customer service Rep to tell me I can not Rescind my irrational decision to allow Santander Consumer USA to have security interest in my car contract and collect all the proceeds derived from my contract is against the law. Santander Can not come and Repossess my car as they presented me with a XXXX way contract, where they give the consumer who can not afford to buy a car with out financing no other option. Because, if the consumer does not give them security interest in the certificate of indebtedness, then the consumer has no car. The car is not the " Security Interest '' my certificate of indebtedness, is the " security interest ''.

Santander Consumer is guilty of disclosing my private and transactional information to third party creditors and violating my consumer rights among several other violations.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Called on XX/XX/XXXX asking why my payments since early XXXX have been getting deferred. I checked my banking info on the account and everything is correct and theres enough money in the account but even after receiving confirmations from Nelnet, they dont credit my payments. 

I have also been accruing over {$400.00} in interest during this time because their system wont take my payments. XXXX on the phone told me that this has happened to other clients as well and that there was no resolution for this issue but I could try autopay from my bank ; which I have already done. I will also not be refunded any of the {$400.00} and it will continue to grow unless I somehow fix this issue that I dont believe is something fixable on my end. 

I have emails showing my history of receiving confirmations of my payments even though they do not show on my nelnet account of actually processing. I have tried to submit well over {$6000.00} since XXXX of XXXX. 

I have always been someone who makes payments on time and was never late when I used XXXX. Unfortunately they are closed and they automatically switched me to Nelnet.