davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VYSTAR CREDIT UNION (FL)

I purchased my home in XX/XX/XXXX with Vystar Credit Union. Property taxes were {$870.00} a year at the time of purchase. In XXXX the property taxes went up to {$2700.00} with no upgrades to my property. I went to the county tax office last year and challenged this significant increase. They stated there was a mistake and sent Vystar a check for the discrepancy. Now Vystar raised my mortgage payment from {$870.00} a month to {$1300.00} and is charging me late fees every month even though the mortgage payment is being made on time and I have been making {$1000.00} payments and Vystar is putting my payment into an undisclosed account and not dispursing it towards my mortgage payment. They will not send me a report showing my payment history break down the payment to see where the money is dispursed. They are a purgatory financial institution and I need my questions answered. They Said they didn't catch the error in XXXX regarding the increase in property taxes and wants all their money now. I live on a fixed income and this is creating a financial hardship for me as a XXXX  woman. They are also auto withdrawing the XXXX XXXX monthly mortgage payment without my consent. Your help in this matter would be greatly appreciated.
Consumer complaint received 2023-07-17
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was sent the wrong items. The sweatshirts are not even the same size I ordered or close to the description. I just looked on their website and it looks like I was scammed through a phishing sponsored post on XXXX as there is no such product ( s ) even resembling what I ordered or what I received currently on their website. I would like a full refund. Paypal refused my refund, and now I have a product I did not order and our money. Paypal has acted fraudulently.
Consumer complaint received 2021-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

Hello, I have been repaying my loans on a regular basis since 2004 ( I even made some payments prior to 2004 but have been continuous ). 
I have recently paid off the entire amount of $ XXXX, however, the total amount I have paid is almost twice the original amount and I would like the CFPB to look into my paiement and let me know if it is right for a government institution to make such profit from student loan repayments. 
Sallie Mae was the original loan servicer but they sold to Navient. 
I have all the files however I can not upload but can provide them to you once you call me or contact me directly.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (NY)

I have been using XXXX through PNC for many years now and recently was permanently banned for something that was really not in my control. On XX/XX/year> I had 3 transactions sent to an email that resulted in my account being locked. They were for {$150.00}, {$50.00}, and {$50.00}. After the third transaction my bank account was basically out of money and then my XXXX was locked. I ended up starting a fraudulent case, that was denied so I tried to figure out what happened myself. I called PNC XXXX department to figure out why my XXXX was locked and to solve who the money was sent too. I ended up learning the money was sent by my younger brother, which solved almost everything. However, PNC basically told me it was permanently locked and there was nothing I can do about it. I asked numerous times to different support specialists how the money being sent broke their terms and conditions and each time I got the same exact answer from a representative. I have accepted the fact the money was sent and is gone, but none of the terms and conditions were broken after reading them over again and again. I plan on canceling my bank account through PNC but they have my number completely locked so I can not use XXXX through another institution.
Consumer complaint received 2023-03-08
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. (TX)

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 accounts 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 any accounts and information 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} MACYS/CBNA XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

received online offer on my phone fro XXXX XXXX XXXX XXXX on my phone and charged {$150.00}. never received any email, letter or ordered merchandise. Tried to contact store with number that provided by Capital One Visa Credit Card ( XXXX ) and people on other side did not have any idea about online purchase. Contacted Capital one Dispute Department ( XXXX ) who credited the account for the same amount. later on XX/XX/2019 received the letter that they need supporting document and due to lake of it charge had been restored. I kept calling and explaining there is no receipt no email or any merchandise and their representatives keep repeating themselves due to no supporting document they have to process the charge. 
I just send them a letter and asked to close my account and will not pay the fraudulent charge.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately for they are greatly harming my credit : XXXXXXXX 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
Consumer complaint received 2023-07-17
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-03-08
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2020-06-08
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: AFNI INC. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc. (PA)

I sent a letter to the XXXX asking if they report XXXX to the credit bureaus and I received a letter stating They do not report any XXXX to any of the bureaus. So if thats the case. How did the credit bureaus verify my XXXX  as XXXX XXXX accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific XXXX information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights XXXX times. 

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (GA)

XXXX XXXX XXXX XXXX XXXX Texas branch reported my loan account 30 day late. It is reporting on CRA for XX/XX/2021 as 30 days delinquent. XXXX XXXX is branch manager at XXXX XXXX Texas location. I spoke to her today XX/XX/2021 at XXXX in regard to Fair Credit Reporting Act statue - Duty to Provide Notice to Customer, Timing of Notice and Format of Notice. I asked XXXX XXXX if they notified me in writing no later than 30 days after furnishing the negative information to CRA. She replied XXXX. She stated No notice was mailed to me regarding this negative information reported. She also stated she was not familiar with fair credit reporting act and stated she would not remove negative information even after learning she violated the FCRA. In accordance to FCRA she has violated my rights by failing to uphold the Duty to Provide Notice to Customer, by not adhering to Timing of Notice and Format of the Notice and this has caused me harm.
Consumer complaint received 2021-01-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

Car title loan amount {$20000.00}, monthly payment {$580.00} a month, this amount go to the principal of {$200.00}, and {$370.00} go to interest rate. 
The financial agreement did not show the interest rate in the paper contract.
Consumer complaint received 2021-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/2020, I sent a certified letter with return receipt verification to Nationwide Recovery Systems, XXXX, TX, requesting verification of this debt, including original debtor and account information. According to USPS tracking, the letter was delivered on XX/XX/2020. I received back the confirmation receipt unsigned but postmarked XX/XX/2020. According to my XXXX  and XXXX  credit reports, this collection for {$1700.00} was opened in XX/XX/2020, originally from XXXX XXXX XXXX of XXXX. I have not received any communication, written or otherwise, from Nationwide Recovery Systems, ever, including in response to my request on XX/XX/2020.
Consumer complaint received 2024-03-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (SC)

I took out a loan with this company for {$2000.00}. In order to receive the loan, they used my vehicle as collateral, this then caused me to have to start completely over with my vehicle at {$13000.00} when I initially only owed {$4000.00} more to pay off my vehicle. The vehicle is now currently worth {$5000.00}. I never missed a payment with this company and have made all on time payments. The car still cranks but has an issue with it, I talked with them the day after making my payment so that there was plenty of time before my next payment was due. The company is refusing to pick up my vehicle as collateral and has now applied the full balance not including what I've already paid to my credit report. I am disputing an incorrect amount as this is affecting my credit score by causing my debt to be a high balance.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-05-08
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX CBG Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, TBOM/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Credit Corporation (OH)

All debts were paid in full as of before XXXX of XXXX still lingering on my credit report. 
This is improper use of my credit and this creditor has violated my rights. I have the right to privacy also a consumer reporting agency can not furnish an account without my written instructions. Also under 15usc1666b a creditor may not treat a payment on a credit card under a consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (SC)

The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to removed
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (RI)

My loans are " serviced '' ( if you can call whatever they do service ) by Aidvantage. I applied for the SAVE plan in early XX/XX/2023 about when it went live. It was the plan I selected and I'm well aware both I and my loans qualify for it. I was maintained in the PAYE plan. I applied again shortly after and was again kept in the PAYE plan. I tried emailing them a few times about the issue, got one response that was as helpful as a screen door on a submarine, and have never gotten any further communication. I have also called their customer service multiple times, often waiting for over an hour with no answer and a couple of times the phone would be picked up and hung up almost immediately. My payment would be the same whether in PAYE or SAVE... I'm a social worker, so I make peanuts or whatever nut is worse than peanuts ( which aren't really nuts ). The issue is that the SAVE plan has a feature that forgives interest accrual beyond whatever your payment is so that your balance can stay the same but never increases due to unpaid interest like it does in the PAYE plan. Since I applied for enrollment in the SAVE plan, I have been hit with over {$1000.00} in interest that should not have increased my balance if I was assigned to the correct plan. My previous complaint was closed because I had a pending bankruptcy, which my student loans were not up for discharge regardless. Upon discharge of bankruptcy, Aidvantage updated the account and are charging me a payment amount much higher than the FSA IDR process quoted. They continue to be near impossible to deal with.