davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: Self Financial Inc. (IL)

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (ID)

I received a payment for personal property sold and that payment was made via paypal. Paypal held the funds requiring me to submit my SSN for tax withholding. Nevermind that taxes are my responsibility and that there is generally no tax liability when selling personal property outside of a business. 

The fund were held and it said submit your SSN and funds will be released in 15 minutes. It's day 4. My funds are still on hold. I have communicated through multiple channels to paypal and have been told it's an IT issue with no ETA on resolution. No one seems to be able to tell me when this is going to be resolved. If they have a known IT issue why would they not disable the system and why would they still tell me it would be 15 minutes. 

There is no recourse and no one seems to be looking out for the consumers. They have my funds and everyone just says they are doing the best they can.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (AL)

From XXXX thru XXXX of 2021, I filed a dispute with Equifax about the unverified and inaccurately reported collection account DESIGNED RECEIVABLE Account # : XXXX. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Consumer complaint received 2022-01-26
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. (IN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 have knowledge concerning any such items of information. However, such information shall not include specific factual 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-15
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. (CA)

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and BBB. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
Consumer complaint received 2019-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent funds in exchange for goods via XXXX on XX/XX/19 in the amount of {$290.00}. Unfortunately I assumed the XXXX service was insured by bank of America considering they had taken the liberty of building it into their app. This is not the case despite the fact that the closest thing they have to a warning or disclaimer is " transactions can not be cancelled ''. I have realized I was the victim of a scam and would like a full refund from Bank of America considering their willingness to advertise a company they do not insure with no clear warnings.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I received XXXX checks in the amounts of {$16000.00} and {$1600.00} from my former employer on XX/XX/XXXX. both were deposited using my mobile app that day. when I deposited the funds, I was told they would be available on XX/XX/XXXX. it is now XX/XX/XXXX and still there is a hold on these XXXX transactions. I called customer service and was told it is because the issuing bank has not " verified funds ''. I was also told that the hold has now been extended to XX/XX/XXXX. These checks are both good, i hav XXXX received deposits from my forme employer to this account the past and m, y combined balances across personal and business checking is enough t cover the checks in question if they should bounce. 

I request that this bank release my funds immediately as there has already been an egregiously long hold for them.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I have two FFELP loans serviced through Navient. Both have been enrolled I. IDR/IBR since entering repayment in XXXX. My annual recertification was due in XXXX, with my current plan expiring on XX/XX/XXXX. 

I followed the instructions to submit my recertification application on studentaid.gov on XX/XX/XXXX. This is the same process I do every year. My application was processed on XX/XX/XXXX. The IRS sent a notification of access to the IRS data retrieval tool dated XXXX. 

On XX/XX/XXXX I contacted Navient because my account had not updated. I was told that I did not submit my recertification documents. My IDR plan was not approved and my payment would be increasing on XX/XX/XXXX. 

After explaining that I did submit these documents, I was told that they did not receive them. Navient can not access information from studentaid.gov or request information from them. I would need to upload a recalculation request directly to the Navient website. I asked that my account be put on hold while the issue was straightened out so that my XXXX payment would not increase. I was told that because I was already in forbarence or had used that time, that was not possible. 

I confirmed with the representative that a recalculation would cause my interest to capitalize ; adding an additional almost {$2000.00} to my loans and extending my loan term. I also asked why I couldnt apply for forbarence or deferment when I have never used either option! I was told that because I did not submit my information I had effectively forfeited my income-based plan options. The representative emailed me the steps to submit a recalculation. I refused to do either! 

I became very frustrated and asked that my call be escalated. I was given this information twice! Finally I was passed to XXXX XXXX. She explained that it was studentaid.gov who was experiencing technical issues. She COULD request my documents be resent. And could expedite my recertification. I was told this process would likely take until XX/XX/XXXX. I received an email stating my plan was approved later that day. 

Had I not argued, in tears, with this company for two hours, I would owe them another {$2000.00}! I only knew to fight it because I had this happen before and had almost {$30000.00} added to my balance several years ago!!! I will never get out from under these loans because they provide false information and trick borrowers out if repayment plans and benefits!
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (VA)

On XX/XX/2022, I exercised my right to rescind my credit consumer contract with XXXX XXXX pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to XXXX XXXX not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. XXXX XXXX received my notarized notice, special POA and IRS form 56 via XXXX XXXX XXXXXXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. 
BRIDGECREST CREDIT COMAPNY also received these notarized notices via XXXX XXXX XXXXXXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, XXXX XXXX told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, BRIDGECREST CREDIT COMAPNY is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. 
( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX BY LAW
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have looked up my credit reports and seen I had late payments on my student loans. I work very hard to make sure that I pay all of my bills on time and hate that my credit is being ruined over something that is not true. I have tried calling and sending letters to get the situation fixed but I'm getting the run around. I sent my lettersXX/XX/XXXXstill no response
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make XXXX payments. The last payment I made was Thursday XXXX. I reached out via XXXX and CFPB on XX/XX/year> to file a complaint. I received a response on XX/XX/year> to settle for the principle balance of {$600.00}. I agreed to the resolution but I have been struggling to get back on track since XXXX and I would like to know how much I have paid during XXXX and I would like to settle for what has been paid. I am on a fixed income and Im barely getting by and my expenses keep increasing I look forward to a resolution to resolve this matter.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a credit card with Bank of America. I have autopay set up for my monthly payments. Recently I paid off my entire balance but I noticed that I was still being charged the autopay amount. When I accessed my account online I had a {$200.00} credit on my account. If I dont have a balance, I should not be charged on my autopay. This bank is using their autopay function to secure interest free loans from there customers to increase the their financial positions. Had I not caught this it would have went on indefinitely
Consumer complaint received 2022-01-26
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: Rocket Mortgage, LLC (DE)

Today XX/XX/2021 I spoke with XXXX XXXX XXXX XXXX Mortgage Banker Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX from RocketMortgage.com, I advised her I was looking for a home equity loan, we went over why I needed the funds, and she went on with the application processed as she advised that's something she can do, I gave her authorization to pull my credit report, at which point she advised me I am approved for a refinance, ( the only way quickens loan can assist me is for me to refinance my entire mortgage ), I asked her why did she mislead me into having my credit pulled when my first question to her was does your company offer Home Equity Loans, I wasn't looking to refinance, I advised XXXX the funds are being used to purchase an investment property that I am not certain it will go happened as of yet, just want to have the cash on hand, and that I am not looking to add debt to my home that might not be necessary. I asked XXXX for the company name that pulls their credit report, as I want to dispute the invalid inquiry she did. I contact XXXX XXXX  XXXX, spoke with XXXX and advised her of the misleading information I was given, and how I am being force to a product that I specifically stated during my conservation with XXXX I did not need or required.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation (OH)

My account through my bank was frozen last year because there were inquiries on my credit report which I did not make. Someone unfroze the freeze placed on my account and then there were 2 inquiries on my credit report - one for XXXX and the other for OneMain Financial. I did not apply for credit from either company. 

I contacted XXXX to freeze the account again and remove the inquiries from my credit report. XXXX said I should contact the companies. I did get a hold of XXXX and tried to get a live person at One Main, but had to send an email because I couldn't reach a live person.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

I am filing this complaint because CONGRESS COLLECTION have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( XXXX ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is for a Capital One Auto Finance Loan, account number ending in XXXX. 

Overall, because I was having issues paying my bill online at Capital One 's website, I instead started a online payment with my bank. However, because of time issues, I decided later to just do a payment with XXXX XXXX XXXX and they received payment from XXXX XXXX XXXX. However, I forgot to cancel my online bill pay, and Capital One now received the same payment twice, from different sources, for the same amount. I did not intend to do this, it was mistake, and I remember doing the same thing about two years ago. At the time, I just called, and they refunded the additional payment for me. However, Capital One has developed this new and popular authoritarian style of interacting with customers, you know where companies basically treat customers like employees ( and employee should be treated like this either ). However, after calling and explaining, they are refusing to help me in any way.
Consumer complaint received 2024-05-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. ()

My XXXX passed away on XX/XX/2024, and we opened up a probate case in XXXX XXXXXXXX XXXX where the property is located. The Court appointed me the administrator/personal representative of the estate. I have provided the letters of administration which is the document SPS requested. They stated it was not enough to provide the payoff information so we can sell the house for the estate. The probate judge then signed an order stating we could have it or to provide it to the court which they haven't. Whenever you call they have someone who answer who can not tell you anything or can not tell you what they want. Whenever they send a letter it does not describe what they want just that it is insufficient.
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

Since round or about XXXX of 2020 this ESTATE has attempted to settle this alleged debt from Marcus by Goldman Sachs through various lawful methods of payment ( s ) as afforded by the United States Constitution, New Jersey laws and the Uniform Commercial Code, and after having successfully completed an administrative remedy to which Marcus by Goldman Sachs has defaulted, ignored, not responded in a timely manner nor acknowledged any lawful remedies submitted to settle this debt. Despite being defaulted and estopped from all claims against this ESTATE, Marcus by Goldman Sachs have/has relentlessly reported negative information against said ESTATE, and has and continues to harm this ESTATE and is causing and has caused irreparable injuries and defamation, slander and libel ; fraudulent usage of language with it's contract ( s ) as well as the non disclosure of material facts within it's contract ( s ), which immediately nullified, cancelled and terminated any alleged valid contract for such non disclosures against said ESTATE. After having been harassed, threatened and coerced into unlawfully using Federal Reserve Notes to settle said alleged debt and also continuing to send negative reporting to the credit bureaus XXXX, XXXX and XXXX, causing injuries and harm to this ESTATE and myself as the Beneficiary thereof. I am hereby charging Marcus by Goldman Sachs {$10000.00} ( ten thousand dollars in gold or silver or it's equivalent in U.S.D. ) per day nun pro tunc for each credit reporting agency since it's first negative reporting to XXXX, XXXX and XXXX and as the Authorized Representative for the Beneficiary of this ESTATE, I now demand that any and all negative report to cease and desist immediately. Please also take judicial notice that this is another ( 3rd ) Notice of Intent to File a Claim against Marcus by Goldman Sachs and the final good faith attempt at clearing the good name of this ESTATE from the defamation, libel and injuries caused by Marcus by Goldman Sachs, as well as pursuance of Marcus by Goldman Sachs ' insurance bond with the F.D.I.C. for any and all damages for violation ( s ) mentioned in the 2 uploaded files. Marcus by Goldman Sachs is now guilty of Breach of Trust as breach of their fiduciary duties as Securities Intermediaries and trustee for the ESTATE.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2017 I was at XXXX. A XXXX  XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!