davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (GA)

I applied for an auto loan with pNC bank and was denied on XXXX XXXX. PNC bank has used my social security number for their advantage but has discriminated against me and violated my consumer rights by denying me of my credit. As of now I have not gained anything from PNC BANK using my social security number which is considered unauthorized use.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Navient stopped sending me paper statements. I was then forced to send them payments in which I enclosed a check for the amount due with the corresponding account number of the loan to the address they supplied in the previous years and in three separate phone calls. In these phone calls I told them I was not receiving paper statements and requested that they remedy this situation. The calls were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In my sending of the XX/XX/XXXX payment ( XX/XX/XXXX ) they randomly took an amount of {$73.00} out of a single check payment of {$800.00}. ( the  payment due was {$780.00} ) and said that they applied it to my personal loan- to which I had sent in an overpayment for that personal loan on the same day- with the paper statement for that account they had mailed. They cashed both checks. I then got a letter datedXX/XX/XXXXXX/XX/XXXX stating that I had sent my payment to the wrong address and that it looked like I wanted my " payment to be applied to both my federal and private loan. '' This was never my intention nor was it ever indicated in any of my mailings of payments. The letter also said that if I sent it to the wrong address again I would be responsible for late fees and additional interest charges. 
I did not send the check to the wrong address and never did I indicate that I wanted the check amount to be applied to both the federal and student loans. 
I have been paying on these loans since XX/XX/XXXX and the exact manner I am now. I called and spoke to a representative on XX/XX/XXXX who could not explain what happened but once again ( third time in three months ) said I should be receiving a paper statement and that he would make a notation of the letter I received stating that it was in error. I was not told then that I had a balance due from them not receiving a payment. To note- I do currently receive a paper statement for my personal loan and used to get the paper statement for the federal loan. I also always over pay the personal loan to apply more to the principle due. 
I have not received a paper statement. Yet, I received a letter on XX/XX/XXXX dated XX/XX/XXXX saying that they had not received my payment due on XX/XX/XXXX and that I was delinquent and past due with an outstanding balance in the amount of {$58.00}.
Consumer complaint received 2020-06-05
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: FC HoldCo LLC (NC)

I recivex a reponae from this comaony stating ... .According to our records, you submitted an online application for credit to XXXX, a fulfullment partner for Flagship, via XXXX, which was forwarded to Flagship on XX/XX/XXXX, at XXXX XXXX, in connection with the potential refinance of a XXXX XXXX XXXX ( the Vehicle ). We reviewed the information provided by XXXX and have confirmed that the name, address, e-mail address and telephone number match the information provided in your complaint. 

How can a third party send information on another party behalf and get away with this process?? I never authroized for a hard pull on my credit report.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

I contacted the original creditor several times and asked them. why I owed the {$50.00} dollars balance. at the time of visit I pay them {$50.00} dollars copay and my insurance paid them for the rest. I contacted my insurance company regarding this bill and I was told they got paid what XXXX eligible. this collection company has been calling me and trying to collect what I do not own. I told them stop calling me and they continue calling me and harassing me.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (ID)

5 purchases were made from a company through paypal. Purchases were made on XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$32.00}, XX/XX/XXXX for {$26.00}, XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$30.00}, and XX/XX/XXXX for {$30.00}. The purchase on XX/XX/XXXX was switched for paypal to paypal credit by paypal. By the time I received the late payment notice by mail in XXXX the charge for the {$29.00} item had accrued to {$98.00} with the difference being interest and fees. 
I have contacted paypal credit and requested the XX/XX/XXXX transaction to be processed through paypal as were the other transactions. Paypal has billing information needed for payment. Paypal was  contacted or has contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Each time I have requested the XX/XX/XXXX transaction to be completed through paypal as the other transactions were completed. I have told them I will not pay the interest and fees.Following the payment all accounts are to be closed out with paypal.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Collections company has violated my rights according to 15 U.S. Code 1692g - Validation of debts Collections : NATIONAL CREDIT SYSTEMS Acct XXXX Many Validation requests have been made but correct validation information was never sent
Consumer complaint received 2018-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital one This said it wouldnt effect my credit and now it has I have worked to hard to get my credit score up plz remove urself ASAP!!! Why would it say it wouldnt effect and then my score drops this is total bull and basically setting Ppl up for failure when Ive worked so hard on building my credit Bk up so that I can but the home Im in for my boys and help them start there credit plz remove that I even asked for this credit card cause I never would have applied if I knew it was going to lower my score!
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MO)

Dealer racially discriminated against me, ran my credit again to lower score even tho I was pre approved. Sold me a bad car with a insane interest rate that did not match my credit score because of predatory lending to XXXX XXXX. Car broke down a day after buying and I was stuck on side of highway. Had to send complaint to attorney general who mediated car being fixed but took so long payments were missed and loan went bad because I had to pay out of pocket for things dealer lied and said they did when they did not. Also paid XXXX down was suppose to go to car but later learned dealer lied and this was a fee to do loan, even though loan was submitted before entering dealer. Things were so bad I never even got the car tagged up, dealer also never offered to finance my tags into the deal after robbing me for the only cash I had in down payment money and not putting it toward the loan! Complained to finance company and all the did was request payments and demand car back.
Consumer complaint received 2018-05-15
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. (AL)

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services (VA)

CFPB Please Read my Entire Complaint. 

I received the following response from Lendmark stating that they do not have to adhere to Federal law regarding loans they provide.

To Whom It May Concern : I have reviewed the complaint brought forth and offer the following explanation. The rescission notice that XXXX XXXX references does not apply to her personal installment loan. All of our loans are made in accordance with the lending laws of the state of Virginia. It is XXXX XXXX 's responsibility to make her contractual monthly payment on time. Currently her account is delinquent, she may contact her local branch to make payment arrangements. I trust this resolves the complaint brought forth if you have any further questions, please do not hesitate to contact me. Sincerely, XXXX XXXX, XXXX XXXX XXXX However, CFPB has clearly noted that lenders of this category in fact HAVE to comply with US Federal Laws. As such, Lendmark failed to provide me with the right to rescind contract which should be included in any consumer credit transaction.
Consumer complaint received 2018-12-14
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. (MD)

I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.
Consumer complaint received 2018-05-15
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. (AL)

Bureau is refusing to remove inquiries that were obtained without my permission. I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair reporting. 

XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (MS)

I opened a personal loan account with Money Lion in late 2021, where I received {$120.00} and a reserve amount of {$870.00} held back by money lion, while reporting that I had received the full loan and was making payments of {$96.00} per month for 12 months, and agreed to receive the rest of the {$1000.00} ( {$870.00} ) after the loan was paid in full. This was to attempt to raise my credit score to buy a house. A few months into the loan, money lion started reporting to my credit that I missed payments that I was not late on. When I disputed the remarks, it was never fixed, so I paid money lion completely off. And after signing the purchase contract on my house, money lion reported that I was late again. After that and with other things I was denied the home loan on the second credit pull before I could close on the house. I reported money lion again. Then it showed back up on my credit report within 24 hours. So I called them. They gave me the run around. Then the day I tried to rent an apartment, it was reported to my credit again, and I was told due to the credit reporting I would have to place the maximum deposit amount in order to rent an apartment and now XXXX is getting involved for us being XXXX
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Back ib XX/XX/XXXX i was running out of money in my account and my only income was Social Security which at that time was {$1400.00}? a month do not remember the exact and my mortgage payment was {$1200.00}. 
They offered me to pay {$1000.00} which is only {$51.00} dollars different which will not work. There were several conversations and nothing was being done to assist me. 

I went to XXXX XXXX thinking maybe they could help as web site says they work with mortgage companies to reduce payments. 
33 pages and bank statements, tax returns, my bills i pay every month was not working. 

Over and over things was sent from to lawyer should have arrived at Wells Fargo? 

I uploaded all of those things in my email for proof. No one wanted to talk to me at Wells Fargo as they refused to deal with me a i had a lawyer. 
Now i am probably going to be set out on the street XXXX  and no place to go. 
This is supposed to be done by XXXX  on XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MT)

I received an offer from my Citi AAdvantage card to earn XXXX bonus miles by opening a savings account with Citibank and depositing at least {$10000.00} ( other requirements regarding keeping the money for 60 days, etc ). I am unable to open the savings account online or with a personal banker. Apparently, my card is linked to an account I closed a long time ago and that is causing the issue. 

I have called customer service multiple times on both the credit card side and on the banking side ( however, I didnt take notes until recently ). Both departments say that my banking account has been unlinked but the problem continues. On XX/XX/22 I spoke to a XXXX who was great ( worked on it a long time and called me back ) but was unable to fix. Then I spoke to XXXX # XXXX on the credit card side who was obviously frustrated with me. Then I spoke to XXXX ( a supervisor ) and admittedly raised my voice but I was not cursing or being rude and he transferred me without telling to the technical department. That woman said she would send me a new link for the offer which was not done. She also transferred me without telling me to a personal banker. 

On XX/XX/22 I called technical support again and a woman immediately transferred me to banking. I called again and a nice man, XXXX, tried to help me but again he had to refer me to the banking department. XXXX picked up the phone there and transferred me. I first got one female personal banker who was unable to find my offer so she transferred me to another personal banker. This one, XXXX, know exactly what I was talking about she had seen this before but she didnt have a solution. Supposedly she will email someone to send me a new offer link but I have not idea if that will even work. So here I am.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NC)

I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee. 
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back. 

I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

The collection agency is trying to collect money on a debt that was already paid by XXXX Insurance company. The debt was paid on XX/XX/2011. The collection agency needs to provide information of billing from whom they purchased this debt. XXXX insurance provided the medical claims number ID XXXX ( The below information was copied and pasted from the XXXX website ) Processed By Date Member Provider Bill Amount Plan Paid Your Responsibility XXXX XX/XX/11 XXXX ( Husband ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again please research information with your client but in the mean time by law all Inaccurate information has to be removed from all three credit agencies. Please remove all information of your company and debt information from my credit report. You have the information to follow up with XXXX insurance.