davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I deposited a check I had from XXXX and from XXXX that seemed like valid checks. XXXX XXXX linked to XXXX said the bank Huntington did not want me to have a bank account with them- she said " they do not want a relationship with you ''. XXXX XXXX 5000 persons from XXXX in the XXXX XXXX against XXXX. I would like my account reopened with the {$300.00} dollars in excessive fees that Huntington charged me refunded.
Consumer complaint received 2019-07-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

We returned Lease of 2016 XXXX XXXX on XX/XX/2019 ( Due XX/XX/2019 ) Account # XXXX XXXX XXXX. Then received an invoice for {$2700.00} In XXXX. Immediately responded stating that the first 8,000 miles were used as Demo Car Mileage and Wear and Tear. We received no reply to 4 separate letters sent to Nissan Motor Acceptance Corporation ( NMAC ). Now we are receiving letters from XXXX XXXX which is a collection agency for NMAC! In our 4th letter to NMAC they accepted and cashed a check in the amount of {$1300.00} with no reply to correspondence attached to the check. Our credit has been hit, or will be, because of the status with NMAC and we find it very unprofessional that we have not received a reply to same. We feel this act was an illegal manipulation to extort money from us.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

The mortgage was paid off XX/XX/20 and they have refused to return my escrow account money ( {$7000.00} ). I have repeatedly called and have been stalled and mislead. First they said they had already paid the county ( ~ 2 months early ), my new mortgage lender confirmed that the county had not received payment form the NewRez LLC / dba Shellpoint Mortgage Servicing or their agent. On XX/XX/20 I spoke with XXXX XXXX in the XXXX SC office and she told me I would have the money by XX/XX/20 -- I did not receive it. On XX/XX/20 I spoke with XXXX XXXX and she assured me they would have the balance transformed by ACH, on XX/XX/20 I spoke with XXXX XXXX and she told me that, in fact, the money was not sent through ACH rather, a check had been sent out on XX/XX/20. On XX/XX/20 I spoke with XXXX XXXX ( who said she is not in an office, she is " just a customer service rep '' ) and she told me she was going to void the check and promised me the money would be in my account XX/XX/20. On XX/XX/20 the money had not arrived so I called again and first spoke to " XXXX '' in Michigan and then was transferred to XXXX XXXX in XXXX who told me the money was supposed to be in my account but refused to do a wire transfer. I then sent notes to : XXXX XXXX, President at Shellpoint Mortgage Servicing XXXX XXXX, Executive Vice President at Shellpoint Mortgage Servicing XXXX XXXX, General Counsel at NewRez LLC XXXX XXXX, Senior Vice President Shellpoint Mortgage Servicing Informing them of the situation and sharing that my only recourse is to file a complaint with the CFPB. I have not received any response from any of them. My understanding is that they are obligated to return escrow payments and treatment of escrow account balances in a timely manner under 1024.17 ( k ). It appears that they do not feel a need to abide by this and instead kept the money well past the 20 days.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (AL)

I mailed in a dispute letter to Experian and XXXX regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. Experian and XXXX  both received my dispute letters because I sent the letters certified with receipt tracking and Experian received my letter on XX/XX/XXXX and XXXX  received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is XXXX  I have been disputing the validity of this debt since XXXX and Experian has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was stolen and used to attempt to open an account with XXXX. This appeared as an unauthorized credit inquiry on my credit report. I was contacted by XXXX as well as local law enforcement. See FTC Identity Theft report attached.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (WI)

BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.
Consumer complaint received 2021-03-08
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. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (TX)

Letters were sent to Equifax, XXXX, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NY)

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. 

XXXX of XXXX, XXXX of XXXX, XXXX of 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. 
- There are several inaccuracies being listed on my credit report
Consumer complaint received 2022-03-07
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. (NY)

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXXY XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and ThXXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

On XX/XX/XXXX around XXXX my spouse was contacted by One Main Financial regarding an alleged debt. The company had contacted me numerous times and then seemingly stopped. However, the company again began contacting me and my wife constantly throughout the day, and before XXXX and after XXXX. I have requested they cease all attempts to contact me and they will not stop.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BBVA FINANCIAL CORPORATION (CA)

I HAVE ATTACHED A COPY OF MY LETTER TO THE BBVA BANK ASKING FOR PROCEDURAL CORRECTIONS. THERE HAS BEEN NO RESPONSE TO MY LETTER. BY OTHER ACTIONS THEY HAVE TAKEN THEY HAVE STATED THT THE DEP BOX ONLY CONTAINED XXXX IN CASH AND NO CERTIFICATES OF DEPOSIT. BEFORE HER DEATH, MY MOTHER HAD STATED THAT THERE WAS XXXX XXXX DOLLARS IN THE BOX CONSISTING OF XXXX XXXX IN CASH AND TWO XXXX XXXX DOLLAR CERTIFICATES OF DEPOSIT FOR A TOTAL OF XXXX XXXX DOLLARS. SEE XXXX FOR A HISTORY OF THE BBVA BANK. THIS XXXX XXXX HAS 561 OR MORE BANK LOCATIONS IN THE USA
Consumer complaint received 2019-07-03
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. (TX)

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up My Missing Money. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Consumer complaint received 2021-04-19
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. (AL)

I recently sent a dispute letter to Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2019-07-03
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. (GA)

Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still some remaining XXXX XXXX, US Dep ED, XXXX XXXX? XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Fraudulent business practices No available balance after depositing a {$1500.00} check. Stated the funds would not be available for 4 days even with my account only have {$3.00} available balance. This is in an effort to accrue overdraft fees. I ran out of gas on the way to work for my new job.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On XX/XX/19 i transferred my XXXX account to a new account. The phone representative told the XXXX store representative that in order for them to authorize the transfer I had to pay a final balance from my old account for {$44.00}, which I paid immediately at the store. On XX/XX/2019 I received a letter from a collection agency saying that I own XXXX {$29.00}. I contacted both the collection agency and XXXX, I asked them why they never sent me a bill and why they transferred me to a collection agency if I had already paid my final balance as the representative stated on XX/XX/19 and I already started paying phone bill in the new account. The representative and the supervisor keep arguing and acting rude and sarcastic. The supervisor implied that if I don't paid the " hidden charges '' I could damage my credit. They were not professional and unable to explain why they never sent me a bill before but they just transferred me directly to a collecting agency, which makes XXXX a not reputable company, since they put their clients in risk of harming their credit fo no reason. And I can not keep paying their mistake of paying my old account and new account which will be a duplicate charge if I already paid off the final balance from the old account. What they actually want from me is making me pay twice for my phone bill which is an unfair practice.
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (CA)

Recently I went to acquire a new vehicle for my own personal use for school and picking up my children to drop them off to and from. On XX/XX/XXXX I called DriveTime in an effort to purchase a vehicle and I went over all the details to make sure I was good before I got there ( as I had an appointment the next day ). They then explained to me as of recent they do not accept income that shows from any rideshare company but later changed it to say they don't accept any food delivery income as well. I proceed to state to them this is a personal use vehicle and not for commercial purposes and therefore I should not be discriminated on what I may or may not do with the vehicle. Also, I told them that it isn't rideshare and what someone does for a living shouldn't affect their chances at a vehicle. Furthermore, I explained I own already two vehicles so how is this affecting me from buying a car. This shouldn't happen and further consumers should be protected as well.
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I had my identity stolen approximately 5 years ago, the person involved applied for multiple credit cards in my name and one of them was a Pay Pal Account they created and opened a credit card. I had called XXXX or one of the major credit companies to tell them about this and that I had not indeed been involved. Back then, they had sent me copies of the charges. It was not my address, nor had I opened up a credit card. I didnt even know I had a credit card open, however, all of this has been removed off of my credit report. Fast forward, and I try to use pay pal because its one of the only services that is offered to get compensated for working. Otherwise, you have to wait 20-25 days for your check! 

The representative said I was not able to use the services again because of this! How can I not use their services when it wasnt even my fault that someone had opened up credit cards in my name?
Consumer complaint received 2019-07-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

The main problem is a lack of transparency. 

There are two charges on my paypal account that I do not recognize. They are from XXXX but I do not see matching purchases on my XXXX. Also, these charges are listed as " authorized '' automatic charges. This is peculiar because I didn't know that it was possible to permit automatic payments on paypal ; so I seriously question the possibility that I made these charges. 

However, none of this is the real problem. The real problem is that I reported these charges to paypal and then they told me that my claim was denied without giving me any documentation whatsoever. If they're going to deny me, I want the documentation. They do claim to have a process for me to access the documentation but it seems to be a barbaric process that I won't be able to follow as a result of temporary personal circumstances. Also, they told me absolutely nothing about their decision, nothing. It seems that their first decisions are final as well. There is no one time appeal to their very hasty initial decision. 


Paypal information- Case ID : XXXX Payment XXXX XX/XX/XXXX {$16.00} Transaction ID- XXXX Payment 2- XX/XX/XXXX {$27.00} Transaction ID- XXXX Seller of both- XXXX and XXXX XXXX