davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I received a cashier 's check from Navy Federal Credit Union on XX/XX/23 in the amount of {$28000.00} for goods and services of mine from an individual. I reached out to NFCU to confirm the validity of the check the next day to confirm the funds were good. I spoke with one of their representatives at XXXX and they confirmed with me the check serial number, the date of the check, the amount and that the funds were good. As such, I proceeded with the transaction and deposited the funded into my personal bank, XXXX XXXX. 

Two days later, XXXX/XXXX/23, I receive a notice from XXXX that my deposited funds were being withdraws due to the fact that they couldn't locate the origination of the check. 

I called NFCU back to once again on XXXX/XXXX/23 at XXXX to confirm the validity of the check. This time the person I spoke with confirmed that they serial number was one of theirs, but that the amount and date were incorrect and therefore the funds weren't available. I was transferred to a supervisor who was able to pull up the recording of my original call. They simply said that the representative made a 'human error ' and they would take it up internally with their supervisor.
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

Purchased Border Collie puppy over internet. Sent payment via PayPal. PayPal placed hold on funds u til XX/XX/XXXX. We opened case to report as scam prior to funds being released but PayPal wouldnt hold the funds. They released to scammer anyway.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

This bank has been robbing me blind for the past month and a half. Most recently they have helped themselves to over {$300.00} of money they are not entitled to in overdraft fees ( read illegal profiteering ) when they have been submitting transactions in the wrong order in order to steal more from me! I called and demanded at least 50 % in reimbursement only to get told XXXX you customer I have your money, I lined my pockets go away so I can steal more from you. 

This was the one and only olive branch that I was willing to submit to this company.
Consumer complaint received 2024-03-07
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. (FL)

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (WV)

I've had this loan since XXXX. I've paid consistently on it for 5 years but the interest rate is so high it never goes down. I haven't owned the car this loan was taken out for since XXXX. It was a lemon so i went upside down on it. Even though I've consistently tried to make payments on this account it is no longer worth it with the harrasment i receive from them. They call me 30 times or more per week.. 7 or more times per day. I've tried refinancing through them but they give me an even higher interest rate. Somewhere around 27 %.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL 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. 

Did I give you written instructions to furnish this on my credit report? NO, I did not. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Also, you have violated 15 USC 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 2023-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Since I've made previous complaints about Truist and their lack of accessibility, I believed they would do something to make their services accessible. Alas, they have not. Even their " accessibility '' page does not provide an accessible means to contact them. I want to pay off and close my HELOC but can only do that by phone or by visiting a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can't go to a branch. I have attempted to get Truist to respond via XXXX and XXXX messages. One XXXX message still has not been responded to in over a year.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-17
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-10
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX CT XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX HARBOR XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I sold an XXXX XXXX to someone and they paid me via Venmo and used the XXXX XXXX feature offered by the company. Purchase protection protects the buyer and seller. It " can help prevent you from losing money due to unauthorized transactions or claims that the buyer never received their purchase, '' according to Venmo 's website. 

A few days later, the buyer decided to dispute the purchase and Venmo froze my account and told me to reimburse Venmo for {$1000.00} - the sale price of the XXXX. 

I provided Venmo with proof of the transaction and Venmo said they would investigate it. Venmo indicated that the buyer filed a dispute with their credit card and the credit card found in favor of the buyer. Venmo wants me to pay them the balance despite the fact that their own Purchase Protection program is supposed to prevent exactly this.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Short sale with Nationstar 1st and 2nd lien. 1st lien was set to be paid off in full and a short sale on the Nationstar second. Nationstar foreclosed on the property after giving the impression there was no foreclosure date and that they were in correspondence with the first lien. Extension to close on or before XX/XX/XXXX was issued on XX/XX/XXXX and Nationstar foreclosed on the property the same week on XX/XX/XXXX.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (NY)

The loan was given to me by Santander when I had no job or drivers license. They never verified the income from The applicant or co applicant. This was a predatory loan. I never understood the terms and conditions of the loan and that interest would be calculated daily. I was also led to believe that Gap insurance was mandatory and increased the payment amout by {$200.00}. When I found out this was not the case and cancelledthe Gap insurance the monthly payment remianed the same. In XXXX of XXXX XXXX men showed up inregular clothes driving a regular car. They stated they were there to reposess the vehilce due to non payment. I called Santander immediately and payed what they owed and was assured by the representative that my car couldnot be repossessed since it was still inn my possession and I had paid my account arrears. I explained this to the XXXX men who stated they still had to take the car because they were there. They also stated the bank was closed and they had no way of verifying the payment. I handed them the keys and called Santander in the morning. They told be where my vehicle was allegedly being held, however the companynever had the vehicle. The repossessor had my car the whole night and part of the next day and he dropped it back off to my home the following with his son in the car. My car was never taken to a facility. Instead the staff member used it for his own personal reasons and I was charged numerous fees.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage/XXXX XXXX is making it very difficult to remove the PMI on my FHA loan, urging me instead to refinance the home at a significant cost to me.
After five years of no late payments and the house doubling in value, it should be easy to remove PMA in XX/XX/XXXX but instead Nationstar continues to push me to accept their expensive product.
I purchase a home in XXXX in XX/XX/XXXX for {$750000.00} under an FHA loan with a 10 % PMI. I put down {$150000.00}. I currently owe approximately {$540000.00}.
In XX/XX/XXXX the home value - published on Nationstar 's own website - is {>= $1,000,000} but they are telling me that I do not have the 78 % of loans to value requirement to remove PMI and the only remedy is to refinance with them at significant cost to me.
I do n't know what to do. What are my options?
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (MS)

Goldman Sachs ( Apple Card ) Limit : {$2500.00} XXXX suffered several lost during the COVID Pandemic to include being furloughed from my job at XXXX XXXX. I submitted calls and letters to the company in regards to my monthly payments. They enrolled me in programs that suspended monthly payments for several months. The forbearances didn't cover all the months I was without pay from work as we were furloughed without pay and unemployment benefits. I could afford to XXXX every payment every month so I missed a couple here and there. Currently, I am XXXX XXXX XXXX on short term XXXX and have been since XX/XX/XXXX. I have asked for assistance in repayment options in order to not have negative effects on my credit but they have refused and consistently reported late payments. 


Months Reported Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Months Reported Late with XXXX Dollar Balance Due : XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NY)

XX/XX/2023 I have a account with current which is a online only bank. I have been trying for XXXX weeks to get funds transfered to a local bank so I can purchase a new car and they can't get my bank to verify so it won't allow me to transfer the cash. I have spoke to XXXX XXXX XXXX  XXXX current and they both keep saying it's the other banks issue. I need this money so I asked to have the account money sent to me in a check and I have been told they don't do that. I have also been told to close the account there is a charge and also they can't issue a check because it's being looked into. I am just getting a run around and I need my money.
Consumer complaint received 2023-02-20
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a XXXX Kia forte GT Line in XXXX of XXXX, I liked the car enough to decide to buy it out, so I paid off the car on XX/XX/XXXX and NEVER received the title. So I called customer service to have them explain why I didn't receive my title, The C/S Rep. informed me that Title was sent on XX/XX/XXXX by first class mail, And I should get it within 3-5 business days, after 10 days I called them again, and I asked what address they sent my title to, I found out that they sent it to a wrong address that doesnt even exist! Then I requested a lease release form and a bill of sale to at least generate a duplicate title from the motor vehicle, They said it would take 5-10 business days to receive it, and again I never got it. I contacted Kia consumer affairs and opened a case on XX/XX/XXXX to have them do a duplicate title request and NO ONE HAS CONTACTED ME. I then opened a second case on XX/XX/XXXX to create another duplicate title request and was informed they would respond and nobody has contacted me. They finally sent me a lease release form on XX/XX/XXXX, and when I went to the XXXX to create a duplicate title myself I was informed I could not create a duplicate without the authorization of Kia Motors Finance. I called customer service again and was assigned a case manager named XXXX XXXX he promised me that I would receive an authorization form by the end of the week, but it never came. I called XXXX XXXX and he promised he would get it to me within 5 business days he informed me that in the meantime he has canceled the duplicate title request, but then he realized that was a mistake and he created another duplicate title request. I have contacted XXXX XXXX multiple times since and he has never picked up my calls again. This is ridiculous, I need to register my vehicle under my name, but I don't have documents from Kia.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX Paid : {$1900.00} Wells Fargo Showing Outstanding Principal Balance : {$8600.00} Wells Fargo has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by XXXX days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the XXXX payments that were deferred. Even after XXXX and XXXX made their payments, Wells Fargo has failed to update the account to reflect any payment received and the updated status of the account. Wells Fargo Dealer Services is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.