davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX I called XXXX XXXX  ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that XXXX XXXX  accepted, was finalized in XXXX. XXXX XXXX  has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because XXXX XXXX  elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to XXXX XXXX  representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with XXXX XXXX  but do not believe this should be reported as a delinquent payment since had XXXX XXXX  not rejected a funded payment in XXXX, this would not have been the case.
Consumer complaint received 2022-05-04
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. (FL)

Dear Team, Please check the items from my Identity Theft report because I do not recognize them. I have never had anything with these companies and I do not know the origins of those items. Definitely I can say that they are not mine therefore please investigate and remove them from my report. 

Thank you in advance
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT NUMBER XXXX 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

This complaint is to express my deep concern regarding a breach of my privacy rights under the Privacy Act of XXXX  by Navy Federal Credit Union and its subsidiary, XXXX XXXX XXXX XXXX XXXX. 

Upon thorough examination of my transactional information, I discovered that Navy Federal Credit Union had shared such information with XXXX XXXX XXXX XXXX, a data broker, without my explicit authorization. It is crucial to note that XXXX XXXX XXXX XXXX. is not listed as an affiliate of Navy Federal Credit Union, as outlined in your disclosure agreement. 

While I understand that there are circumstances under which account information may be disclosed to third parties, including verification purposes and compliance with government regulations, it is baffling to me why a data broker like XXXX XXXX XXXX XXXX. would have access to my account details. This action raises serious concerns about the protection of my sensitive financial information. 

Enclosed with this letter is my proof of claim, which includes the XXXX XXXX XXXX report highlighting the unauthorized sharing of my transactional information. 

Therefore, I am formally invoking my federal right to opt-out of the sharing of my transactional information with XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I kindly request an explanation regarding the rationale behind sharing my account information with XXXX XXXX XXXX XXXX, and I urge you to take immediate action to rectify this privacy violation. It is imperative that Navy Federal Credit Union and its subsidiaries uphold their commitment to safeguarding customer privacy and adhere strictly to the terms outlined in the disclosure agreement. 

I expect prompt acknowledgment of this complaint and a written confirmation once my opt-out request has been processed.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TN)

I have requested bill of sale from Westlake Financial from where they sold the car i had. They repossessed after agreeing to a partial pay for one month. I have only gotten the bill, no XXXX  where sold or any other items.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In approximately XX/XX/XXXX or XX/XX/XXXX I notice unusual activated on two on my credit cards ending in # XXXX and # XXXX which are the new cards that Bank of America issued. When I notice the activated I went to my branch office and reported it. we requested that all account be closed and open new ones. they filed a fraud report and advise that I just replace the credit cards, so I did. The new cards came in about a week later with instruction on activating then, I called to activate them and they refused to do so said they were investigation the account, i replayed that they should since i reported it. I since have have had several conversation with branch office and credit card division the branch office didn't seem to understand what was going on. I ask the credit card division if they were not going to reopen the card to lower the interest rate and either combine the cards together for a lower payment since i could not use them. They replayed that I was making the payment and that they could not do that. As of the middle of XXXX the credit cards have been taken off line which is how i look after them and make payments. 
I feel that they have mishandled the case all the way around. I do not feel that I should have to pay high interest rates on accounts that I can't use. I thought I was doing right in reporting the activated on the account...
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (TX)

My Direct Deposit was sent XX/XX/2018 to XXXX nothing has changed, and nothing is wrong with my account. I have continuously contacted Netspend and they continue to tell me yes they have a scheduled direct deposit available for Netspend since XX/XX/2018 - It is XX/XX/2018 and they are telling me that XXXX has issues, and has not released funds to them, and they can not release the direct deposit funds, and there is no further explanation and I have no paycheck, no explanation no money and I have bills and medical things to handle and am very scared. This has to be a Theft of Services and I need my paycheck. XXXX Check # XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (NY)

I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from SYNCBPAYPALEXTRASMC.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

For the Past 3 months XX/XX/2019, XX/XX/2019 and XX/XX/2019. My mortgage company " Ditech '' has failed to provide my with a PROMPT statement for my account. My bills are due the XX/XX/XXXX of the month and Ditech is not even generating a statement until after the XX/XX/XXXX of each month. This seems to be a violation of the Consumer Protection Act and the Periodic Statement Rule. I've reached out to Ditech about this matter each month and they still continue to delay my statements.
Consumer complaint received 2020-01-31
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. (LA)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

During The XXXX Mortgage nightmare,, I was approved for a Jumbo loan on this Property XXXX day of escrow ending All the banking institution were falling Bankrupt, My Lender decided that no more Jumbo Loans were available,, They insisted i needed a 2nd. for XXXX to finish my loan.. Being A XXXX from XXXX Just moving back to mainland, My sea Container was arriving at this address XXXX XXXX XXXX XXXX XXXX ca. XXXX,, My new XXXX and XXXX XXXX XXXX XXXX felt Critical to accept The 2nd terms with no Financing avalible XXXX /Bush couldn't get a loan, The banks seeking Gov. bail outs.. we ended with XXXX XXXX  XXXX who later went Bankrupt as we were paying the loan on time, later our loan was sold from one company to next.. with no contact information, till in XXXX XXXX XXXX purchaced 2nd mortgage on a BK SALE,, XXXX raised the cost n fees to XXXX on the 2nd and never would negotiate, then THEY TOOK MY HOME THROUGH A TRUST DEED SALE, KICKED ME OUT OF HOUSE, WHO IN TURN THEY NEVER PAID MY FIRST MORTGAGE OFF AND ARE STILL MAKING LATE PAYMENTS TO XXXX XXXXXXXX XXXXY,, Help ...
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a.

As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law.

Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies.

Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies.

In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent.

Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services regarding Synchrony Bank Care Credit, and Synchrony Bank PayPal Credit, effective immediately.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank advertises on XXXX XXXX XXXX that one can open a checking and savings account online and receive a {$350.00} bonus. As the nearest Chase Bank location is a long way from my home, I tried several times to open an account online. 

I have had a Chase Bank credit card for over a decade, but am a new banking customer. 

The first time I tried to open an account, the web page asked if I'm an existing Chase customer. I clicked on 'yes ' and tried to log in but it did not recognize me as an existing customer. So I input all the required information and got a message " We were unable to open an account for you. '' I phoned Chase customer service and was told that my credit cad was in good standing, and they did not know why I couldn't open an account online. The rep suggested that I come into a branch, and I explained that there is no Chase bank a reasonable distance from my home. 

The second time I tried to open an account online, and when I input my information, the web site said some information was missing, but did not state what information. " It looks like you've missed some required information. Please try again. '' I had entered all the required information. 

Chase is engaging in false advertising by stating that it is possible to open an account online.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

Cfpb I am making a complaint about NAVIENT SOLUTIONS and they also have another name dep ed navient they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am really upset that Honda reported me as being 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and then 90 days late in XX/XX/XXXX. I had a mortgage company pull my credit report and noticed that the erroneous delinquincy they are reporting is hurting my credit score by over 100 points. I have never had a late payment with any creditors in my life. But the fact that Honda is, I was denied. Now I did look at my credit report and see that they are reporting my high credit or limit at {$370.00} for this car which is not true so I did my investigation and saw that this is actually a violation of the Fair Credit Reporting Ac. Why is it that a company like this can hurt my credit when it was something that I paid? I never received proper notification or any phone calls that I owed this money.
Consumer complaint received 2019-03-20
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: Experian Information Solutions Inc. (MS)

I have submitted several letters to Experian showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX and XXXX  have deleted this account off my credit report.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (WA)

I would like to notify you about a problem that occurred today regarding one of XXXX 's billing contractors, specifically " State Collection Service , Inc. '' which is located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The corporate office has a website and several toll-free numbers XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. An employee of State Collection Service, identifying themselves as " XXXX XXXX '', was using a WA State phone number XXXX to collect payments ( in my case - in error - no money was owed ) today. Unfortunately, XXXX XXXX decided to record and use the robocall from the XXXX XXXX XXXX XXXX office as her own Caller ID/ Announcement to entice XXXX customers supposedly owing money to pick up their phone. While it was an ingenious idea on the first day of school in the district ( to make parents think their child was in trouble or sick on the first day at school ), it was also clearly illegal IAW both WA State and federal law, specifically The Fair Debt Collection Practices Act which prohibits debt collectors from " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' If State Collection Service , Inc. tries to deny the allegation, it should be reminded that the collection agency is often not the only party on the line recording phone calls - many consumers, like myself, do it now for their own protection. Thank you.
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (RI)

I have a buy now pay letter loan with Klarna that I was intending to payoff in the 3 months before interest kicked in. It is for a 24 month term and I intended to prepay in bigger than minimum payments as the truth in lending disclosure states there is no prepayment penalty. 
When I went to make a bulk payment of {$1000.00} I wasn't allowed. I could either make the minimum payment of {$98.00} or pay it in full for {$2000.00}. 
I reached out to customer service to say I wanted to pay as much as I could before interest kicks in and they told me I had to make seperate {$98.00} dollar payments each week instead of a partial of a XXXX. Doing this would mean I would have to pay them interest on a much larger balance. This is cumbersome and it only lets you make one payment per week which means I wouldn't even be able to pay {$1000.00} in the month. Making it nearly impossible to pay the loan off before accruing interest. 
This is an unfair, deceptive, and abusive practice. They put everywhere, prepay to not pay interest, that is their whole scheme- yet when you go to do it you get pushed into paying them interest by not realizing you can't make bigger payments to make that possible. 
This lender is negligent and causing harm to consumers by overcharging them interest by not allowing them to make partial payment.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal won't allow me to withdraw, transfer or send money through other PayPal users. No email or notification why they are not allowing me to do that. They actually hold my money and I'm not allowed to withdraw, transfer or send money.. I tried to contact them but no reply. Maybe this complain can reach them.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

You have this account listed as an open account. The original company has also sold this debit to your companywith my personal information with out my consent. That is not under the FCRA compliance. This information that you are reporting Is inaccurate and needs to be removed immediately. If you can not send me a original copy with my signature from your company stating i owe your company. then Please remove this from my credit report. As this is false information.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services, LLC has failed to abide by the Fair Credit Reporting Act and the Florida Consumer Collection Protection Act. I have never receive any communications prior to requesting a debt validation after finding out that they keep reporting an account on my Credit Report almost every month to keep it active and decreasing my score month after month. When I contacted them by certified Mail which was delivered on XX/XX/2022 at the address they had provided to the Credit Bureaus requesting information to validate the debt and for them to provided me a statement of such they refuse to provide such information and just send a brief letter attached with a balance for one account under supposedly my name and another of a minor. I decided to call them today XX/XX/2022 at XXXX XXXX  EST and spoke to someone name XXXX XXXX XXXX XXXX, I was courteous and explained to her I wanted information to validate and verify such debt as I have been in contact with the provider them claim and they assured me there is no pending debts or balances this person claimed they had mailed the information when in fact they did not as they only sent a single page letter and that supposedly they do not represent accounts of minors which is a lie according to what they sent, when I pointed this information to her she became hostile rude and hung up the phone on me. Per the federal and state law they had failed to validate such them and they must remove the collections from my credit report no later than XX/XX/2022 ( 30 days after they receive my letter ). Also the account numbers they sent do not match the account numbers reported on my credit report.