davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I had about XXXX dollars in my account on Friday XX/XX/XXXX. I used my debit card to withdraw cash and made 3 small dollar purchases throughout the day ( {$15.00}, {$10.00}, and {$10.00} XXXX that brought my account to {$710.00}. I paid my movers at XXXX and XXXX via XXXX, but I made a mistake on the second payment and used the same debit card linked to my bank account. I have Debit Card Advance enabled for purchases where I might overdraw, and I accepted the mistake and the {$35.00} fee because they graciously covered the {$280.00} overdraft. On Tuesday XX/XX/XXXX, however, they assessed me {$100.00} in fees for three overdrafts. I was stunned, because I did not use my debit card after I overdrew my account and in fact turned it off to make sure nothing, not even a recurring bill for {$1.00} from XXXX for my email, would throw me further in the hole and incur an additional overdraft fee. The bank can verify they authorized those payments earlier in the day but, by tricky processing times, because those payments posted on Monday overnight, when I was already overdrawn before I had a direct deposit go in on Tuesday morning, even though I made those payments when the balance was positive and had no fear of overdraft, TD Bank now says the posting time means I incurred those fees. They are more than happy to say funds unavailable when they do not want, and take the money out of my account right away because it's pending, but somehow because " XXXX closes their batch late '' I am on the hook for 3 {$35.00} overdrafts when, conveniently, the large XXXX transaction that I did later that night and do not dispute the overdraft on, nor the fee assessed, posted right away and caused a fee the next business day. This debit resequencing is fraud and is done specifically to disfavor their customers. The service they provide is valuable and when I have overdrawn I understand it's my mistake. Note that I am not disputing other recent charges when I did, nor the {$35.00} charged on Monday XX/XX/XXXX for the offending overdraft. Fair is fair. This, however, is not fair. And their deposit agreement states they'll transact in chronological order but then somehow with overdraft they disclaim all of that when it comes to fees they might be able to earn.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and financed it through Capitol One Auto Finance through their loan # : XXXX. In their letter XX/XX/XXXX, I was instructed to complete and return to Capitol One the Fraud Questionnaire and Affidavit of Fictitious Account. I did not return these completed items to them. This vehicle was repossessed from me while I became XXXX, with my personal belonging in the vehicle from XXXX XXXX on XXXX XXXX  XXXX, XXXX, CA. XXXX. A view of the property security footage with the motel XXXX showed that my vehicle was towed away at night by a tow truck by multiple men. My location and vehicles were discovered by Capital One the evening before because my niece, XXXX XXXX XXXX ( XXXX ) asked me about my well-being and location on XXXX. I filed for XXXX XXXX bankruptcy relief in XXXX, Nevada through my Attorney, XXXX XXXX under case # ; XXXX. I received my XXXX XXXX Bankruptcy discharge on XX/XX/XXXX. Capitol One was listed as a creditor. I held Capital One banking accounts, secured and unsecured credit cards, that were closed because of the fraud XXXX 's suspicions of towards me and my accounts. I was a student at the University XXXX California, XXXX during XXXX and my student accounts were affected. I fell into financial hardship when my place of employment suddenly closed, XXXX XXXX XXXX causing me to file a California Unemployment Insurance Claim. The claim benefits were deposited into my accounts at XXXX  XXXX XXXX and XXXX XXXX, they were often placed on hold or otherwise made unavailable until my accounts were closed or afterwards. I was also experiencing health problems at this time, I was a patient of XXXX XXXX XXXX. I was diagnosed with XXXX XXXX  Disorder on XX/XX/XXXX. The riverside Police Department directed me to contact the FBI because of my Identity Theft and file a IC3 report. I appeared at the FBI XXXX, California XXXX and was told by XXXX Agents that my case did not meet the FBI threshold and filed my complaint with XXXX, spoke with the XXXX XXXX XXXX Attorney 's victim 's services XXXX and filed for their services.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America (NV)

Received a letter from debt collectors about a medical bill about a month and a half ago. I immediately called them. Talked with representative and when I asked for more information about what I needed to pay for, she only relied that it was a medical bill. I asked her to send me a letter stating what I was being charged for. I never received that letter. Today I received another letter stating that I need to pay.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-07-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results. 
On these accounts are the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC (TN)

on XXXX, I spoke with XXXX XXXX and by the way I have spoken with him and his supervisor XXXX on several occasion and when I would ask them for some kind of paperwork or just even call my creditors, they said they have but when I spoke with my creditors, they never heard anything from XXXX XXXX XXXX, CDS. All three of my creditors are now in charge off and I asked them for my full refund because this company have not and did not do what they promised, I can be reached at XXXX and yes i have their number XXXX, thank you for your help with this matter
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

IN RESPONSE TO CFPB EX : XXXX UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO STUPID TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with Finkelstein, Kern, Steinberg and Cunningham, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a Zero Balance and that my debt has been paid in full. 

Civil Case # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (GA)

I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ).
Consumer complaint received 2022-11-01
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. (FL)

In accordance with Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I have a PayPal account with a PayPal cash card attached to it. One of the functions is the " Top Up '' feature. When you make a purchase with your PayPal cash card and your PayPal balance does not have enough money to fund the transaction, PayPal will pay the merchant while the Top Up feature will automatically transfer funds from your linked bank account in {$10.00} increments to cover. I don't always double check to make sure PayPal has made the deduction. On XX/XX/XXXX I received an email that PayPal had " a technical processing issue '' and the transfers were not initiated. The email also said they would debiting our account " On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments '' however there were no attempts made. Then on XX/XX/XXXX, an unexpected transfer was made causing us a {$35.00} overdraft fee. Had they tried per the email or had we had a choice of when to pay them back for their mistake, there would be no issue. I can only imagine how many others may had been affected by this " technical processing issue ''. Unethical in my opinion. Here 's the email and thanks for your time. 

From : PayPal XXXX Date : XX/XX/XXXX at XXXX XXXX  MST To : XXXXXXXXXXX Subject : Payment processing errors for recent Top Up transactions Reply-To : XXXX PayPal Payment processing errors for recent Top Up transactions XXXXXXXXXXXXXX, Recently, you made multiple purchases using Automatic Top Up, but your linked bank account or debit card wasnt charged. This happened because PayPal experienced a technical processing issue from XX/XX/XXXX through XX/XX/XXXX. 

PayPal has paid the merchants on your behalf. On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments. The charge will be for the total amount of XXXX USD for the transactions using Automatic Top Up during the period noted above. 

Please make sure that you have funds in your linked bank account to cover the transaction amounts. You can find these transactions in your PayPal transaction history. 

For questions, please visit our Help Center, or get in touch by using the Contact Us link found on all Help pages. 

We apologize for the inconvenience, and we appreciate your continued business. 

Sincerely, PayPal Please do not reply to this email. We're unable to respond to questions sent to this address. For immediate answers to your questions, visit our help center by clicking " Help & Contact '' on any PayPal page. 

XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-07-15
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. (WI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (FL)

I have 100 % payback rate on my credit score. I have never missed a car payment for XXXX years and had exactly one year left to complete full payment on a car. Then car was damaged in accident and I could not get help or afford the repairs. I called lean holder to report forfeiture of my car and then discontinued payments. The lean holder promised to sell car at auction and allow money to go towards my debt and I would be informed. After accident I had the car appraised at about {$1800.00} and it was in very good condition. 
I received no communication until they sold loan to a debt collector with additional higher interest added. I have spoken to office of lean holder and debt collector but neither is willing to negotiate my debt and interest is rapidly increasing. 
I am XXXX and want to fix this debt but with my low income it is too much for me.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Not all of my Home Owners Assistance Fund ( Haf ) payments are being applied as monthly payments. I was awarded XXXX mortgage payments via the HAF program. Im being told by PennyMac that the STATE of Florida only has told them that they must apply mortgage assistance funds sent on my behalf as principal only payments If I'm a month ahead on payments. Yet when I contact HAF Im being told by the reps and supervisors that they have not provided this instruction to PennyMac. PennyMac has been able to provide me documentation on this rule and continue to refer me back to HAF who again state this is not a rule that HAF has given PennyMac. If this information is indeed correct please provide me documentation or update my account to note all HAF payments can applied as needed ( escrow or monthly payments. ) See Mortgage Assistance Program, section 10 of the Florida HAF document attached