davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARS Acquisition, LLC (LA)

i have tried many times to correct this account, Car Financial Services ( # XXXX ) on my consumer report most recently XX/XX/XXXX i contacted the consumer reporting agency about said violations according to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 

The Gramm-Leach-Bliley Act ( GLB Act or GLBA ), also known as the Financial Modernization Act of XXXX, is a federal law enacted in the United States to control the ways financial institutions deal with the private information of individuals. The Act consists of three sections : The Financial Privacy Rule, which regulates the collection and disclosure of private financial information ; the Safeguards Rule, which stipulates that financial institutions must implement security programs to protect such information ; and the Pretexting provisions, which prohibit the practice of pretexting or accessing private information using false pretenses. The Act also requires financial institutions to give customers written privacy policy notices that explain their information-sharing practices.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, Equifax, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.
Consumer complaint received 2022-10-11
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: Navient Solutions, LLC. (NY)

In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 602 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 under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (VA)

Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer XXXX that showed the rate lock being extended to XX/XX/XXXX. I agreed to continue to pay the rate lock until closing. The loan officer was even unaware of there being a request for updated documents. She emailed me asking me if they had contacted me and I told her no. The letter that was allegedly uploaded to my online profile by XXXX. This document may have been created but was not sent to me. I hope BBT has records on the back-end as I am currently trying to seek legal council to file suit against BBT. They charged me for a credit report fee and appraisal and then cancel my loan. I got my title cleared on XX/XX/XXXX. The issue is they dragged there feet initially when I applied for the loan. I applied for a refinance XX/XX/XXXX and entered into a 60 day rate lock. I got an appraisal done on XX/XX/XXXX and the Title company did not even notify me that there was an issue with the title until XX/XX/XXXX. I did dispute the original value of the appraisal on XX/XX/XXXX and sent the rebuttal. I reached out to the appraiser and he did not receive the rebuttal until XX/XX/XXXX and when he requested additional information they never responded to his request. I have all of this documentation and emails. XXXX advised me that this dispute was reviewed by the loan officer and Loan officer manager for errors. I did not know that loan officers were appraisers. I thought appraisers were regulated by DPOR. This process has been a nightmare. Their error will cost me over 10k in additional finance charged because they canceled my app with a rate lock of 2.875 fixed for 15 years. Then they provide false information to a government agency ( CFPB ). They did not request updated documentation from me or it would have been updated. Looks like there was a communication issue between the loan processor XXXX and the Loan officer XXXX as XXXX was not even made aware that my loan was canceled.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of last year, 2021 my friend asked me to help find a XXXX XXXX car that he would like to purchase for his use. I found one with XXXXXXXX XXXX XXXXXXXX and on the XXXX of XX/XX/2021, he paid a deposit of {$2500.00} over the phone directly to XXXX XXXX XXXXXXXX from abroad. I went to XXXXXXXX XXXX  XXXX to get the Purchase Agreement on the XXXX of XX/XX/2021 for the total amount due. My friend Flew into XXXX on the same day XXXX of XX/XX/2021. 
On the XXXX of XX/XX/2021, I went with my friend to my bank, CHASE bank to speak with the bank staff. I told them my friend was going to buy a car and will be transferring large sums of money into my account. They said it was ok, that it should not be a problem. The deposits came in {$10000.00} ; {$35000.00} ; {$29000.00} and {$32000.00}. I asked for a counter cheque of {$50000.00} to pay to XXXX of XXXX which the bank issued while we wait for the rest cheques to clear, but to my surprise, the bank closed my account on the XXXX of XX/XX/2021 without any correspondence. Not a letter stating why. I went to my branch and called severally. They said they had issues with 2 deposited cheques and asked for the person who paid them into my account. I gave them the person 's number and he has confirmed the bank called him and he has given them the information they required. I thought this was going to be resolved in a couple of days. Here we are One year and 5 months, they have not released my money totalling {$65000.00}. I have had to borrow from a friend who paid the balance to purchase the car directly to XXXX of XXXX. 
I think this unfair and discriminatory
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I obtained a 2nd mortgage from XXXX. The mortgage broker, XXXX XXXX, was a XXXX ( I did n't know this ) and he conned me into buying a house that his wife owned. At the time, I did n't know that his wife was the Seller. I lost the property to foreclosure and found out that the loan had been transferred to XXXX and then to Ditech LLC. I did n't know any of this until my tax prepared told me that Ditech had filed a XXXX wit the IRS for the amount owing on the 2nd mortgage. I do not believe that Ditech owned the mortgage and have contacted them and sent them a XXXX letter under Massachusetts XXXX. I am contacting you because I believe that Ditech was/is not the holder of the Note and therefore had no right to issue a XXXX in my name to the IRS.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (MS)

I filed for unemployment and I have not received a card. Im assuming because I had a cards years ago but can not find it. Noway to get a person on the phone to order one. XXXX does not allow me to go through without the actual card number. Whom which I do not have
Consumer complaint received 2022-04-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 Claims Department Dispute Debit Card Transaction Wells Fargo Re : Claim Number XXXX Dear Wells Fargo Claims Department : I am writing you about the above claim number that was issued for a debit of {$520.00} on my personal checking account on XX/XX/2022, at XXXX XXXX in XXXX, Virginia. I received temporary credit and a letter in the mail asking me to call. I called on XX/XX/2022 ; spoke with an employee. They asked me a series of questions and the one question that stuck in my mind that I answered yes to be the question regarding me cancelling the hotel reservation. 

Well, come to think of it, that was a question to get the hotel off the hook for their mediocre performance and violating the law. I have disputed items in the past for poor service and received my money back. This should not be any different. In fact, all I did was check out on the morning of the third day for what was to be a seven-night stay in total. There were extenuating conditions present in my room which I notified the staff without any resolution. 

There was mold and water in the air conditioning unit that did not work. The general sanitation of the room was subpar, and the hotel smelled of urine and decaying organic matter. It was awful. I stayed if I could, but my health is at risk, and I have a compromised immune system and live with a chronic condition. All I wanted from the hotel was a partial refund for the nights I did not stay. Now you, Wells Fargo, want to reverse my transaction because you said I cancelled it, and that the hotel has a no refund or cancellation policy. That is where this ended, and I was told that the reversal will be on XX/XX/2022. 

I want to appeal your decision as it is the hotel negligence that I had to check out early from this location. The staff were rude and did not want to help at all even when faced with the fact they have poor operations in that hotel. I have contacted the health department and they are investigating their sanitation issues. I do not feel I should have to take this up with the courts as it stands. If this were a credit card, I would not have any issues likes this. 

Why am I having problems now? You are taking the merchants side on this because of a policy they have that you may or may not have read and it is quite possible that the policy they are trying to enforce is bogus and not enforceable. I can almost guarantee you that they resold the room for the remainder of my stay and got to keep my money and the new guests money as well. I will not allow this to happen to me and you will be held accountable if you reverse this transaction. I have rights under the Consumer Protection Act of both US Federal Act and the Code of Virginia.
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 2016-04-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AL)

I received a credit alert from XXXX XXXX ( XXXX ) that I had been reported twice ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) for a delinquent account by Macy 's. After speaking with Macy 's customer service ( XXXX/XXXX/2016 ), I was told they had not reported me. I believe this relates to a previous account that was closed due to fraud.
Consumer complaint received 2016-07-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CMRE Financial Services, Inc. (OK)

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Consumer complaint received 2022-10-11
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

My husband and I have been trying to get a payoff on a RV loan faxed to XXXX in XXXX, Ohio from First Merit Bank in XXXX, Ohio for the past 10 days. We are senior citizens and have decided we are getting too old to be hauling an RV everywhere. We have an interested young man who wants to buy it. His loan has been approved through the bank in XXXX. The bank requested the payoff in writing be faxed to them from First Merit. After numerous phone calls requesting the fax be sent, they are now telling us only XXXX handles that and she is out of the office. They wo n't give us XXXX supervisors name. In the meantime we have had to turn down XXXX prospective buyers because we think it is sold. Our buyer is getting impatient because he needs the RV for his business travels. Seriously 10 days to figure a payoff which the computer will do and fax a document? That 's really inefficient and unprofessional. We 've had payoff information faxed from other banks recently and they all did it while we were on the phone with them. First Merit is going to cause us to lose the sale on the RV. And we 've turned other prospective buyers down.