davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

At the beginning of XX/XX/2018, my daughter consolidated/refinanced all of her student loans including my PPLUS loans through a private loan company ( XXXX XXXX/XXXX  ). XXXX XXXX sent out payoffs to all of my daughter 's student loans on or about XX/XX/2018. However, my PPLUS loans still had not been paid off. These were all through Navient. After waiting a couple of weeks to see if the payoff would come through on my PPLUS loans, as of XX/XX/2018 my balance remained on the PPLUS loans. My daughter contacted her XXXX XXXX to find out that indeed, the payment of roughly {$18000.00} did get sent to Navient at about the same time. Therefore, I contacted Navient who informed me that the private loan servicer had sent the payment to the wrong address ( interesting that these are all federal loans, and my daughter 's went to the right address but not my PPLUS? ). I have heard other complaints that they give the incorrect mailing address on some of their payoff forms. After speaking with Navient, the CSR informed me that the easiest way was for XXXX XXXX to stop payment on the original payoff check and resubmit a check to the correct address. The CSR further went on to assure me that since this was through no fault of my own, he would make notation on my account that when they received the check, they would backdate the payoff amount to XX/XX/2018 so that there would be no accrued interest that I would be responsible for, essentially a zero balance. On XX/XX/2018 payment posted, but the issue of the accrued interest has not been addressed. As of this writing, the interest amount is {$150.00} and increasing XXXX to XXXX cents each day. I sent a letter via US Mail to Navient explaining all the above on XX/XX/2018. Having heard no response and watching that interest keep climbing each day, I sent a second request via fax XX/XX/2018 and still have yet to receive a reply. We are respectfully asking for XXXX to look into this. It is very frustrating and I have already spent far too much time trying to get this issue resolved. Basically, we want Navient to backdate this payment to the original payoff amount so it shows a XXXX  balance.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up. I have not been able to get help from them for months. they locked my money in my account for months that i bet they are colecting intrest from! My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XXXX XXXX, 2022, I attempted to send {$1000.00} to recipient XXXX XXXX via Paypal. The money ( {$1000.00} ) was subsequently removed from my XXXX bank account and forwarded to the wrong email address for the recipient. I did not designate the address utilized by Paypal for the individual who received and accepted the funds in question.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (UT)

I am using the XXXX XXXX service for my car. I signed up for auto payment for their service because I was told I had no other choice. They charged my account for their service fee, but Im also seeing charges that I did not authorize. They charge you for violations ( which I had none prior to this ) and they charge these violations to your debit card without any prior warning. They recently tried to charge my account for {$310.00} with no prior warning and I didnt receive an invoice or any documentation on what that charge was for. 

In XXXX of XXXX I was also told by XXXX XXXX  that I was not allowed to remove my banking information from their system and I was not allowed to pay any other way. I am fine with the monthly service fee they charge, but I did not authorize any other charges be taken from my checking, nor do they call to authorize the charge or give me any indication that they are charging me. I often dont receive invoices after the charges go through. I have asked for a copy of my contract with them and they refuse to provide it, stating it is available in their app, which it is not. 

This company has been holding my car hostage for almost a month now. Theyve locked my system due to my car failing to start. Ive paid a fee to unlock the device which did not work and now theyre trying to charge me an additional fee to come fix their issue with their equipment. I have already submitted a formal complaint to the XXXX and will be taking this matter in front of the XXXX judge soon. This company is predatory. They charge fees without warning and if the account doesnt have the funds to cover their fees, they charge an additional fee. I believe they do this on purpose so they can take an additional {$35.00} for every transaction. They also claim damage to the device without providing proof of the damages. 

I moved to XXXX  from XX/XX/XXXX to XX/XX/XXXX and had a mobile calibration appointment scheduled with them. My car stayed in XXXX  while while we were in XXXX. The calibration didnt work because my car battery had died. I scheduled a calibration the day I arrived back in XXXX, and found my interlock had been locked and my car was unable to start. I was not told about the locked state of the interlock, I found out by traveling to my cars location and it wouldnt start. 

After paying the fee and several attempts to unlock the device, the codes I was given all failed and I was told it was my fault and that the device had been tampered with. My car is sitting in my parents yard and hasnt been touched from XX/XX/XXXX to XX/XX/XXXX and no one had access to the vehicle. There is no way I would have been able to tamper with the device as I wasnt here to do so. Also, my car is stored on a private lane and no one would have access to the car, nor would anyone have reason to tamper with their device.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (TX)

I Received a letter from XXXX advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
XXXX has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
XXXX is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.
Consumer complaint received 2022-10-10
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. (NV)

In accordance with 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 number : XXXX CCS//First Saving Bank Account number : XXXX XXXX Bank Account Number : XXXX Premier Bank Account XXXX Account Number : XXXX XXXX Progress Account Number : XXXX XXXX Account Number : XXXX Credit XXXX Bank Account XXXX Cash XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than XXXX years. 
15 USC 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 2018-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is refusing a refund of {$590.00} for putting my mortgage in Autopay.

When I took a mortgage out, I was casually told I'd get a refund of {$590.00} for putting it in Autopay. I had to reach out multiple times to get an answer on what to do to get this money back, and was told I needed to do a few things, one of which was signing up for paperless statements, and that I should do that when I got the statement in the mail.

They sent the paperwork in the mail to my old address so I never had the chance to be notified via mail that I was now able to sign up for paperless statements. Called in several times  because I never got the refund, and was told it was processing on XX/XX/XXXX. 

After complaining yet again, I talked to a rep that now says I didn't subscribe to paperless statements in time, which I doubt because no one told me that ever before. 

Not only the way they communicated the requirements of promotion wasn't formal, clear and conspicuous, they're now changing the story to not give me back the money they promised. 

I've been a loyal customer of Chase since XX/XX/XXXX. I have never, ever missed one payment. I not only have a checking and savings account, but also several credit cards, one of which costs me {$450.00} a year.
Consumer complaint received 2023-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Company is engaging in fraudulent activity by trying to collect debt not owed to them, fraudulently opened account and then reported it as a charge off. Have not given consent to this company to furnish anything on my report which is in direct violation of federal laws. No consent is identity theft. Company can not collect monies for a debt that has allegedly already been paid/charged off. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (IL)

When I opened the checking account with TCF I also opened a savings. I agreed to have {$25.00} automatically transfered from checking to savings every month as a condition to ensure no monthly maintenance fees. I was told to have 15 transactions per month, which I did have every month. Still, my checking was charged {$9.00} a month for at least 17 straight months.

I did not know of these charges because I never saw them online, they didn't show up there. I became aware after TCF merged with Huntington and these charges became available to see online. I was dismayed, and asked Huntington to refund the fees. I was informed that the charges came from TCF, not them, but TCF no longer exists.

My intention was to comply with the rules and there should have never been any monthly fees. I would like all fees taken refunded to me.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-15
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: CLGF Holdco 1, LLC (KY)

On XX/XX/22, XXXX XXXX advertised that Indigo was a High match that I would receive a credit card. it also said on the promotion that this pre qualification will not affect your credit. I have provided a screen shot of what Indigo 's Website actually says. As I proceeded with the application, it states that this will not affect your credit as I gave my information, I immediately got notification that my credit was ran as a hard pull because I have fraud alert on my credit report. I called during business hours the next day to let them no what happened and I was told I would be given a call back. It is now XX/XX/XXXX. I called yesterday XX/XX/XXXX, to get status and they told me that it will not be removed. I refuse to allow this company to take advantage of my credit by unlawfully running a hard inquires WITHOUT my permission. I want this removed immediately
Consumer complaint received 2018-07-02
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: Santander Consumer USA Holdings Inc. (FL)

I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact. 

During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information. 

Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX  provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (MD)

I applied for a home loan through a XXXX XXXX approved lender. That's their requirement to use the incentive programs. 
Pre-approval letter from prime lending generated XX/XX/XXXX Offer accepted XX/XX/XXXX appointment set for XXXX on XXXX to go over final options. Loan XXXX calls at XXXX. I call her back and leave message on same day at XXXX after receiving her message. 
Received email request to sign docs loan estimate, disclosures, etc... 
Signed docs same day. We'd already agreed it was conventional loan, interest rate was XXXX I think in that doc. 
Received call from her on Tuesday the following week stating that the interest rate had not been locked, she'd wanted to talk to me about my loan options and the fact that I could not use some XXXX incentive. She'd been clear about me not being qualified for that incentive from the beginning of the process. It does not show up on any docs. Again, verified conventional loan. Interest rate is now XXXX. Not qualified for XXXX, she follows up with an email and contact for the program proving it. The only reason I got this info is because I asked why it was missing on docs she was sending. 
Now we're in the process, I'm seemingly committed, home inspection is already done, closing date is set for the XXXX of next month. Conditions of loan has dramatically changed and I seemingly do not have time to switch to a different lender. 
Initially I was working with a lender that is not certified through XXXX XXXX. 

Changed to this lender : Was told : you can do 3.5 % down rather than 5 % that outside lender was quoting. 
2000 incentive not eligible for additional XXXX incentive because income is too high XXXX program for XXXX. ( lender was aware that I had another property, not first time home buyer ) nterest rate was the same.as with previous lender After signing loan estimate new information : Interest rate has changed because it wasn't locked when you signed loan estimate Not eligible for XXXX Still get XXXX credit Not eligible for 3.5 % down because not eligible for XXXX that I was never eligible for Not eligible for interest rate reduction because not eligible for the XXXX that I was never eligible for There is a const analysis I am attaching. It now does not show the XXXX because it was updated on the XXXX. Initially the XXXX was included on it, the XXXX funding is shown on the loan estimate. It just brings the amount financed to XXXX down to XXXX. This was a part of the intial loan and when it was removed because I didn't qualify I should have been notified. I asked why it was not there and then received a response. 
Also, an email stating that the lender did not think that I was interested in the XXXX or XXXX because they have to be paid back when I sell the home. It didn't make sense to me because XXXX XXXX has these lenders on the website so they can advise you about these programs, and ... ....
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury