davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Main Street Personal Finance (OK)

I borrowed {$500.00} and a month later I lost my job. I have been unemployed and explained to the company that as soon as I can get a job or find a way to borrow money I will pay them. I have been served papers to go to court despite the fact that I have no job. I can borrow {$10.00} a month from someone and pay but I was told I have to pay the full amount to avoid court. I have no way to do this. Im confused at why if Im willing to work something out why Im still being taken to court.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hi, on XXXX XXXX i received a payment on my PayPal account for an used item i wanted to sell. The transaction code is XXXX and my account is XXXX On XXXX XXXX PayPal permanently limited my account for " suspicious activity '' without even letting me explain the reason of that payment. 
PayPal told me that my funds were locked for 180 days and that i couldn't access them. 

Meanwhile the buyer started asking for the refund that i couldn't provide him due to the limitation that PayPal made on my account. 

The buyer, today, filed a police report against me for fraud. 
It's absurd that PayPal blocks the refunds getting people in trouble. 

I can't go to jail because PayPal doesn't let me refund the buyer. The money are still on my PayPal account balance, please use them to cancel the transaction and refund the buyer!
Consumer complaint received 2023-04-18
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. (MI)

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 XXXX  # 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 a 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 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Recovery Corporation (CA)

This company is collecting on a debt for an insurance company, who was continually charging for a policy that was canceled due to the XXXX required the Dealership to take back the vehicle as it was sold in with a salvaged tittle. 

The agency also has a second account from an insurance company, who has sent me to collections with no notice from them about this debt in over 2 years .... That collections agency is also charging additional fees
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (AL)

Chime allowed me to open an account in my preferred first name and legal last name, without any legal documentation that that was my name. I assumed it was fine because I was using my correct Social Security number. 
A couple years later, I changed my legal first AND last name. I tried to change it with Chime. They would not allow me to change the account to my legal name because I could not provide legal documentation the name in which I opened the account. 
I emailed support and no matter how much I tried to explain and showed them other documentation, they insisted that I HAD to provide legal documentation of the name in which I originally opened the account.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have a problem with Navient Student Loans. I applied for and received a XXXX XXXX XXXX discharge with XXXX, as per the rules of the Department of Education. <P/>Navient continues to show on my credit report as open, and when I call them the give me the story that my loans are still under review. They will not answer as to when they are going to transfer my loans to XXXX for discharge, and continue to accrue interest which shows up on my credit report lowering my credit score. <P/>My XXXX was discharged on XXXX/XXXX/2017, I have contacted them previously about this issue, and was told it would be resolved by the end of the month, that was in XXXX 2017. <P/>I contacted them on XXXX/XXXX/2017 about this issue and they continue to give me the run around.
Consumer complaint received 2015-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BMO Bank, N.A. (TX)

I was transferring money from my home bank to a new account to fund a new investment account. The investment account was held by XXXX XXXX # XXXX at BMO Harris Bank. My initial wire request confused XXXX fields ( the " Account '' and " For further benefit to '' ), and the wire was returned, whereupon BMO Harris Bank charged an exorbitant {$30.00} fee for the returned wire, which was taken automatically from my transferred amount.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 2019-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The dates of the fraudulent charges happened are XX/XX/XXXX and XX/XX/2021. The amounts are {$1300.00} and {$1200.00} respectively. I filed claims to XXXX and Bank of America and they did not take any action and have been pushing the responsibilities towards each other. Bank of America has closed my case and XXXX has told me to deal with Bank of America myself. I have nowhere to turn to in order to solve this fraudulent charges
Consumer complaint received 2021-12-16
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. (NC)

XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}
Consumer complaint received 2021-07-25
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. (LA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2021-12-16
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: National Collection Systems, Inc. (AZ)

I have reached out to XXXX multiple times as well as the company I extended credit " XXXX XXXX  XXXX XXXX I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

Back in XX/XX/2022 through the XXXX of 2022. There were some fraudulent deposits into my bank account which was linked to my cash app account. They deposited fraudulent checks then withdrew the money right away and then did some transactions in my cash app also trying to and they did a purchase through bitcoin. I spoke with Cash App to try and resolve this and get my money back and they denied me. It was in a total of about {$3000.00}.
Consumer complaint received 2021-12-16
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. (NM)

Currently, I have a XXXX credit score but even with a " good '' credit score I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. Equifax is reporting a collection from XXXX XXXX in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion And XXXX are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX  : {$50000.00} XXXX XXXX XXXX  : {$50000.00}
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (GA)

I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

I deposited {$4000.00} into my checking account with XXXX XXXX XXXX XXXX XXXX XXXX via electronic transfer. After a few days, I tried using my money and discovered my account had been frozen. I received an email saying that they were closing my account and that the decision was final. There was no explanation or reason given. They stated they would transfer my funds to the external bank linked to my account within 2 business days. It has now been 30 days and my account is still frozen and my funds have not been released. I called several times and they operator can not give me a reason for the account closure or any additional information. Their only answer is to wait up to 90 days.
Consumer complaint received 2023-08-14
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: Block, Inc. (CA)

XXXX Cashapp took money on XX/XX/XXXX when I made deposit. When asked about the missing money I was given a vague answer to why the money was missing and I had to probe for further details and when they provided the details I further disputed it because there was no transaction that happened to prove their claim. When I asked to further the dispute it took them a month and everytime someone answered my question they had me start the process of explaining the situation all over so that I could never get my issue addressed. It was close to XXXX XXXX that went missing and the transaction they claim that was put back into my account was only for {$63.00} and they won't acknowledge the issue or give me further information about the missing money
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TN)

I am writing to file a formal complaint against Santander Consumer USA regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Santander Consumer USA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Santander Consumer USA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Santander Consumer USA complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by Santander Consumer USA.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nexera Holding LLC (MI)

Starting on XX/XX/XXXX I received communications from XXXX XXXX ( NMLS XXXX ) along with a dozen other lenders based on an inquiry on lending tree. On XX/XX/XXXX I did more paperwork to pre-qualify. At this time I was still talking and working with at least 6 companies. We had discussed locking a rate understanding they change daily. On XX/XX/XXXX he sent me an email saying he locked my APR rate at 2.681 %. When the paperwork arrived it had an APR rate of 2.862 %. When I asked why I was told XXXX rate and the documents had another XXXX XXXX said he made a mistake and switched the numbers and I should have assumed the quote from 2 days earlier was the current quote even though they change daily. When I wrote back that I expected this quote to be honored he eventually emailed back they have a 2.5 % interest rate for me, that he will resubmit my application on my behalf. Three days went by, I had to keep emailing that I wanted the updated documents. Today I got another email that they dont actually have the 2.5 % rate he quoted me. So twice he has quoted me in writing in email then when I expect to see it in official writing he says actually no. Starting with the original 2.681 APR quote I stopped communicating with other brokers. Ive now spent 8 days of fluctuating rates waiting for Newfi to honor the quote and am now told actually no. This is highly unethical practice. I allowed Newfi to pull my credit and have missed all this time because I expected a mortgage company to honor its written quotes.
Consumer complaint received 2017-07-10
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. (TN)

Someone used my social security number to steal food stamps from  The Department of Human Services. I was made to pay back with cash  when I had an income. The case number used at that time was  XXXX . This happened because of theft of my identity. My drivers license & social security card stolen. I 've since changed the spelling of my name to  XXXX   XXXX   XXXX . I actually receive food stamps, because I do n't have an income. My case number is  XXXX . The last car I had before it was stolen & totaled reported to the  XXXX  Police Impound lot. Was a  2012 .  XXXX   XXXX   XXXX  door. The vin number was  XXXX . The plate number was  XXXX . The title number is  XXXX . I paid cash for this car on  XXXX / XXXX / 2012  to  XXXX  on  XXXX   XXXX . The invoice number is  XXXX . I did not use credit, because I learned that I was n't able to do so. The  XXXX   Family  would take everything I applied for. Because they have a seven year fraud alert on my credit report. With the help of Attorney  XXXX   XXXX . The  XXXX   XXXX .  XXXX  used at that time was  XXXX  TN  XXXX . The title was mailed to that  XXXX   XXXX   . I  've had a  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX  Tennessee  XXXX .
Consumer complaint received 2021-12-16
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. (CT)

I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I mailed disputes to XXXX, Experian, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

Im XXXX of 2021 my phone, wallet and my rental car were stolen. I made cash app aware of what was happening as soon as I found out they sent {$250.00} to someone from my phone. I sent them the police report. They still insist that it was of my own doing,
Consumer complaint received 2021-12-16
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. (CT)

I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!