davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (KY)

As previously reported. I have sent documents to Santander Consumer for the money owed to myself. I have called and got no where with them to receive the payment they mention. I have sent the information they requested to their legal department and still have gotten no where.
Consumer complaint received 2019-10-01
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. (GA)

I have been a victim of ID theft due to the Equifax data breech for several months now. I continue to request that the CRA 's block this inaccurate information yet they refuse.
Consumer complaint received 2021-11-30
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: Nelnet, Inc. (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2023-04-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (TX)

Someone is using my personal information for a PayPal account. The suspect name is XXXX XXXX and is using my email address for unauthorized use of an account. PayPal refuses to fix the issue. The issue was first noticed back in XX/XX/2018, and the issue persists after contacting PayPal to suspend/close the account.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael J Adams PC (TX)

On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is Michael J. Adams PC. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that Michael J. Adams placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the Michael J. Adams office is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called XXXX recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact Michael J. Adams. On XX/XX/XXXX I found a local number for Michael J. Adams and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. Michael J. Adams took XXXX cents from my accounts. Once account has military retirement funds and the other account has a HRSA grant directly deposited.
Consumer complaint received 2019-04-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

In XXXX my father took out a reverse mortgage with XXXX XXXX XXXXXXXX. The problem is that I was already om the deed as a joint tenant when XXXX XXXX issued the loan. Mrs. XXXX, ( representing XXXX XXXX XXXX ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 

In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 

Fast forward to XXXX. XXXX XXXX ( also known as Nation  Star, and Mr. Cooper Mortgage ) is  suing me for quiet title to my home and judicial foreclosure. 

HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for XXXX XXXX stop collection efforts and pay XXXX taxes. 

I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX sons, my XXXX daughter-in-law, and my XXXX-year-old grandson.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!
Consumer complaint received 2023-06-12
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Best Buy CBNA in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. I was never aware that this account was fraudulently opened. 

As purchasing tv, I did put in SSN. They setup for credit card and I told them not to open it. I thought it was cancelled at the store before even opening. I never used the account. I never got {$320.00} on that card, never even activated card. 

As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BestBuy CBNA Account # XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Balance {$330.00}. Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and more dates they have repeatedly called me at different times through the day. I am very frustrated with the sheer volume of the calls I receive. And when I block a number, they call me on a new number.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I tried to apply for a mortgage on XX/XX/XXXX with several different lenders. Each of the lenders was unable to pull my Equifax credit report. XXXX and XXXX have had no problems and each report my credit card that I have had since XX/XX/XXXX. I called Equifax and was asked to fax in copies of my Social Security card and Driver 's lisence to verify my identity. I faxed in the documents on XX/XX/XXXX and waited the 7 days that they asked to process the documents. Even with the help of the documents, Equifax was unable to find any record of me in their system. Equifax asked that I reach out to my bank to verify that they send my credit card report to Equifax. I talked with my bank who verified that my statements have been sent and confirmed by Equifax ( See attached email ). My bank and I both reached out to Equifax on XX/XX/XXXX and have not been able to get a response from Equifax.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Recently, I reached out to this company to provide proof of validity of this debt. Due to my employer, I can not have debt on credit report. I was notified from my employer that this company put a collection on my account. In order to keep my job, I paid the debt. However, prior to this collection being put on my report I NEVER received anything. I should have received something certified mail stating this would be placed on my report. 

I was unaware of this debt. I didn't have the opportunity to dispute this information, if in fact you gave me proper notification then please send me the certified receipt with my signature. 

Account beginning in : XXXX
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank is holding bank transfers longer than stated in their bank agreement. Money was transferred through XXXX and was received by TD Bank and confirmed by TD Bank received on Sunday. Money is not given to customer for 4 business days. Their banking agreement says 3 business days. The money will not reach my bank account until Thursday which is day 4. Spoke to a manager who confirmed that their banking agreement does say three days. However, they do not release a transfer until the 4th day.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A check from my work that was deposited through a Mobil app was stolen out of my car .I originally deposited this check through Bank of America XXXX XXXX on XX/XX/2019. 
Who ever stole the check took it to a bank and was able to cash it. Almost 9 months later after the check was issued to me Bank of America took the money out of my account in the amount of my check which was XXXX. 
The check was a paycheck from XXXX  XXXX  in XXXX XXXX XXXX XXXX harbor way It was a XXXX XXXX issued check signed by the owner of XXXX XXXX XXXX XXXX  XXXX XXXX. I deposited a paycheck in my account thinking it is safe and 9 months later the money from that deposited check is removed, are you kidding me this is not right and that money should be put back in my account, I am not the bad guy in this matter. I have filed a police report with XXXX police department, and have documented everything. 
XXXX should be credited back to my account immediately. I am not a criminal, I have no prior police reports against me of fraud, I am a responsible working class citizen. 
Thank you XXXX XXXX
Consumer complaint received 2022-07-19
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. (FL)

Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Consumer complaint received 2021-03-31
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: SYNCHRONY FINANCIAL (NY)

SYNCB/PPC- PAY PAL I contacted XX/XX/XXXX to dispute remarks on my account. They replied back the information is accurate and would remain on my account. I closed the account last year because it was an online card not a physical card. The lender agreed to close the account as long as I paid the minimum balance monthly. I have done exactly what I agreed to. They fraudulently reported that they closed the account. I closed the account willfully and they never sent me any documentation stating that Id be penalized for closing my account.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (DC)

I have sent letters to each of Citi Bank or Citi Card notifying of their client 's financial hardship ; due to emergency illness and change of living lifestyle. I requested forgiveness for her loans. Data was sent via certified mail -- indicated missing a page of POA document. The clients have three separate accounts with Citi Card, the names of the companies are as follows : Macy 's which offered a settlement. I followed their required protocol by resending the POA data and giving them their 3- 5 days processing to upload information with no avail as of XX/XX/2019. It will soon be a month of second a second submission data per them via the fax on XX/XX/2019. The second submission documents were sent by overnight postal mail. The Home Depot sent the same methods ; they give me the mailing for the second POA submitting office but refused the overnight letter, sending it back return to the sender. Sears never responded to my inquiries but received a signature certified mailing. I will be visiting the XXXX postal office to find out what happened to the overnight letters to Macy 's and Sears. Citi Card should be reflect all accounts open in their system. I stated to them it each of the companies received the mailing it must show in their system. This Client is  going on XXXX- still get credit increases.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

This is my last warning before I seek legal action. As a company, you should not be playing with fire as the cfpb has already sued your company for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). See attached. Cease communicating with me via credit reporting on all consumer reporting agencies immediately.
Consumer complaint received 2023-04-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NM)

I took out a private student loan with Wells Fargo XXXX. I stopped payment on it in XX/XX/XXXX, and they have reset the last payment date multiple times, with the last being in XXXX of XXXX. I never made those payments. Doing this is making it stay on my report for 2+ years more then is legally allowed ( 7 years ).
Consumer complaint received 2023-01-27
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: DISCOVER BANK (MI)

In XX/XX/2022 I received a Late payment Flag on my Credit Report from Discover Bank According to the fair credit reporting act this creditor has violated my rights. On their 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. On their 15USC 1666B a creditor may not treat a payment on a credit card account under and open an consumer plan as late for any purpose
Consumer complaint received 2019-10-01
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. (GA)

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX. 
I got contact with FTC and i have call police
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (TX)

I reached out to BBVA formerly ( BBVA Compass ) NA to advise them that I was a victim of identity theft. In my previous complaint they stated they needed an identity theft affidavit which I provided to them, and a statement of the issue. It looks like they may have closed all 3 credit cards but I am unsure. They told me theres two reward cards and 1 compass clear points, secondly they had two checking accounts the thief opened, a money market account, and 2 savings. All of these accounts were opened online using fraudulent identification information, fraudulent addresses and fraudulent information. BBVA USA allowed these accounts to be opened. They linked these to a fraudulent username I have never used. I would like this identity theft to be resolved and these accounts unlinked from me, since I did not open these.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (AL)

Good evening/morning to the human being reading this. I hope you are having a Great day and I pray you have many more. I will do my best to make this explanation as short and defined as possible. I started having trouble keeping up with my payments XXXX XXXX. I was running a XXXX XXXX business during the time and when fuel prices started to rise everything for me went south. I did communicate with CarMax Auto Finance and told them about my struggles and explained I would make payments as soon as I could. They seemed to be understanding at the time. My business finally failed in XX/XX/XXXX. During this period of time, I started to learn about my rights as a Consumer. I started reading and researching the United States Code. In XXXX of XXXX I sent CarMax Auto Finance a Negotiable instrument/ Tender of Payment, which would have brought my account current. In XXXX of XXXX I received my next statement and my account had not been updated. So, for the billing cycle of XX/XX/XXXX, I sent CarMax Auto Finance another Negotiable Instrument/ Tender of Payment for the balance on the account then. I also started to write a XXXX  XXXX to define the laws and statutes that they were breaking. Unfortunately, I did not finish it in time. They repossessed my vehicle, after I had talked with them two days before. I have attached a copy of all the documentation I sent to CarMax Auto Finance. I do Apologize for not being able to show the back of the Negotiable Instruments where I signed with my beneficiary signature XXXX XXXX XXXX, XXXX, without prejudice, UCC 1-308 , I was upset, hurt and rushing trying to make copies and send the XXXX XXXX in the Mail. 

Thank You for your assistance. 
XXXX XXXX XXXX.