davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (NC)

I hope all is well I just want to start off by saying thank you very much for allowing me to use PayPal pay in 4. I been trying to pay my Pay in 4 but it hasnt been showing up on the website for me to pay luxurybrandholdings inc. {$90.00} and I been checking it everyday other day. I decided to call and they advised that Im in collecting, I pay all my bills. I havent ever been in collections in my life, I dont appreciate this because if I would of saw it, I would of definitely paid it. Im glad I decided to call PayPal because if I didnt I would of never knew about it because I was assuming I paid it in full since I couldnt see it no more on the website or got any call or anything in the mail about it. I have no problem paying it and I would like to pay it. It better not be on my credit with the credit bureaus because I been trying to pay it and I assumed it was paid because I didnt see it or hear anything about it. Please fix this issue with your website and allow me to paid this in full. If anything is reported to the credit bureaus it needs to be removed ASAP possible because this was not my fault at all because again if I would of saw it, I would of paid it. I dont mind paying it now. Can you please make sure Im able to use the PayPal pay in 4 in the future because this isnt not my fault at all and also I should not be charged a late fee. I also have XXXX myself my baby and my son so please be understanding of that as well too but again it was not on your website to pay I check all my accounts including yours every other day and I pay my bills on time. Thank you very much for your time, I look forward to resolving this issue but please fix your website cant pay for something you dont see and I definitely been checking as well I need to be able to use the PayPal pay in 4 in the future because this isnt my fault. Have a wonderful day and please continue to be safe.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XXXX XXXX I went into XXXX on XXXX XXXX to get {$250.00} off my card. On a {$10.00} bill came off. It was a cashier was standing right there. I called chime. They file a dispute. A month later I received a email saying that they didn't see a error. 
I spoke to them the other day look at the dates. They just changed the date on the paper.
Consumer complaint received 2022-01-30
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (MO)

The company keeps calling my boyfriend and telling him that I owe certain companies certain amounts of money. The guy is giving him company names and amount details. 
I returned the mans call the first time he called my boyfriend and said I wasnt allowed to have calls during work hours. He said I was lying. He continued to call me multiple times a day even though I answered. I asked several times for physical copies of the bills he has told me he does not have to provide that and that there isnt a supervisor that would want to talk to me. I have asked him to stop calling people I know and he said he would then he did it again.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2016-01-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I was forced to sign documents I did n't understand while I was attending XXXX XXXX XXXX. This happened monthly, during my periods of class time. I was told if I did n't sign these papers, then I could n't return to class or finish my studies with them. This happened often while I attended there. Now I 'm hounded day and night by private loans. I ca n't afford this, I also ca n't use my degree. I 've been swindled ...
Consumer complaint received 2022-01-30
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: FORD MOTOR CREDIT CO. (GA)

I have new and updated information. FORD MOTOR CREDIT CORPORATION/XXXX FORD CREDIT replied to CFPB Complaint Number XXXX, but was noncompliant to the requested documentation per the Cease and Desist in which they received on XX/XX/2021. FORD CREDIT failed to provide documentary evidence to prove that they had any legal right to initiate this fraudulent transaction pursuant to the FDCPA. Thier Failure to produce this documentation is a violation to my consumer right to validate this fraudulent transaction, which I the consumer DID NOT authorize or consent ; no consent is identity theft. 

FORD CREDIT provided false and misleading information by stating " the disputed inquiry does not appear on your credit report at this time ''. The attached exhibit titled " Experian Consumer report Reflecting FORD Inquiry clearly displays the inquiry on mt consumer credit report.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (CA)

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (TX)

I received a letter from this company PHH Mortgage stating we owe 32,000 thousand dollar and if you disagree send us information. In which I did and sent a return receipt threw USPS. No they are trying to foreclose on property that just was discharged threw bankruptcy. Have people coming to my house on numerous occasions. And they seem to be with company I was in bankruptcy with and discharged. RMS was paid off in bankruptcy.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Be Money, Inc. (DBA Daylight) (SC)

I'm basically trying to ask questions about this Daylight bank and I'm being discriminated against just because I'm apparently not a XXXX of which they have categorized these people into some different categories even to hide themselves from the fact that they are in fact XXXX. So because I'm not a XXXX or XXXX it seems, they are refusing to answer my questions and instead I got the response " I'm sorry your brain is not developed enough to understand the difference between XXXX and XXXX. Kind of impressed that you even know how to spell XXXX. '' My question said nothing about XXXX or XXXX, and I only mentioned XXXX XXXX after the initial response was an automated robot. Apparently this whole XXXX thing is something they have coded into ideally something the real world can't understand, and so as someone who isn't XXXX, I have to question this type of stuff to understand it and that's not allowed apparently as it's clearly discrimination based on my XXXX XXXX, in that it does not fit their needs, and even questioning them seems to be offensive, despite the fact they are the ones openly displaying affectionate XXXX images to advertise what they call a bank... but to question this, you're met with direct discrimination as they are clearly assuming I'm straight which they'd be correct, but it's amazing that banks would be allowed to stigmatize people just because they do not fit into their XXXX preference. A group of people wanting to be accepted openly discriminates and stigmatizes people because they are obviously full of hate. They want others to accept them for who they are and yet even when others accept them, they can't accept themselves. I never thought questioning a XXXX advertised bank about the sexuality policies would lead to this, as I'm questioning because I would like to know to sign up for an account because of other reasons their system can benefit me, but this is literally the response from them after I question their advertising content, and it's safe to assume if you are of XXXX  XXXX orientation and are not a XXXX or XXXX person, then this bank will hate you and probably mess with your banking.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (CA)

I received an email back in XX/XX/XXXX from my credit monitor system notifying me that I was 60 days late on mortgage payments, dropping my XXXXXXXX  score to XXXX score. The servicer Planet Home Lending placed forced insurance and paid my property taxes. I called Planet Home Lending to inform them I was sending over my homeowner 's insurance information. I was already starting a five-year deferred payment program with the county assessor to pay the {$8900.00} XXXX XXXX late property taxes. I also told them I paid my XXXX second installment in XX/XX/XXXX. They told me I owed them {$17000.00} and to pay immediately or my account would go into collections. I requested a ledger or provided documentation of what has been paid or owed. At this point, I have received no mail or letter notifications of any forced insurance, taxes paid, or late mortgage payments. The following month, I emailed and called over 20 times to try to resolve this matter. Planet Home Lending rep informed me I now owed {$24000.00}, shut down my online account, and would not let me make any payment via the internet or over the phone. At this point, I started sending my mortgage payments through my checking account. Payments are on time on my end. I called numerous times for clarification or to request certified mail. I would get a rep in different departments who needed to learn what was going on in this matter, and they would transfer me to collections or refer me to email customer service, which only resulted in numerous auto-reply responses. I finally received a letter on XX/XX/XXXX about removing their forced hazard insurance. Planet Home Lending 's internal mitigation services are a complete nightmare. Planet Home Lending systematically ruined my credit, made payments on my property taxes without notifying me by mail or email, and threatened to foreclose on my property while causing anxiety and stress. 

I have attached screenshots of the email communication.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
Consumer complaint received 2022-01-30
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. (NY)

XXXX XXXX XXXX is reporting my closed account XXXX XXXX credit card usage as open and with 0 usage. This account is not active or open. XXXX XXXX is reporting XXXX XXXX as open.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, 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.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (AZ)

This is the second time I have reported this. 

I bank with JP Morgan Chase. 
On two occasions I have had items returned that I was not notified about via my online banking. 
I was not charged a fee, but I was also not notified items had been returned. One of those items was a utility/water bill. 
It is over 100 degrees in AZ and having water disconnected without my knowledge IS A HEALTH and SAFETY ISSUE not only for myself and my family but my animals as well. 

The only way I knew my payment had been returned was because the water company came to my home. I had no idea the payment had been returned. However, after the Water Company came to my home I received an email from the third party payment company the water company uses that the item was returned. 

I have reviewed Chase 's terms and agreements and no where does it say a customer is NOT to be notified by the bank when items are returned. 
When I contacted Chase they told me I should keep better track of my ledger. ( XXXX? ) I do keep a ledger, which is how I noticed the payment never came through my account via online banking account transactions. 

Again, Chase did not charge me an NSF fee, however, they never notified me the payment was returned.
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The Bureau that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. Bull City Financial Solutions has also reported an incorrect illegal account to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation for holding medical information within their establishment without a medical release form from me. They used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. The Original Creditor was listed on my credit as Bull City Financial Solutions which is incorrect. I am a consumer which makes me the Original Creditor.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a auto-pay with Capitol One to debit my account monthly for XXXX, Capitol one does not take the money on the first but instead they linger in taking their payments and then charge me a late fee. That is ilegal and unethical and is causing my Credit to loose points every month.
Consumer complaint received 2022-01-30
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. (GA)

Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and Experian has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse