davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Paypal is with holding funds for products that have been sold stating that they are outside of my normal scope of business. 8 transactions for a total of XXXX starting XX/XX/XXXX and going to XX/XX/XXXX so far. From XX/XX/XXXX to XX/XX/XXXX I did XXXX worth of business selling the same products but no hold. There are several weeks just like this going back on and off over 3 years with no hold. Since all these items are sold on XXXX, I contacted them to make sure they had no issue with any of these transactions. Every one of these transactions are cleared with XXXX and are in Funds Status Available. The reasons for the holds being placed by Paypal are directly refuted by my own account with them. The online conversations I've had with them show repeated dishonesty and lack of desire to resolve my issues or explain there actions. I have copies of the conversations. They may have good reason to be with holding money from me, however, the ones being supplied by them to explain there actions are directly refuted by my account. They have no subpoena or government request, so, by my understanding of the law, have no right to with hold money from me.
Consumer complaint received 2019-01-09
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. (CA)

XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (CA)

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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX : # XXXX XXXXXXXX DEPT OF ED / XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 an 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 2023-02-20
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. (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 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. 

Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (NV)

On XX/XX/2022 Credit Karma Money, powered by XXXX XXXX, Member FDIC sent an email stating that my account would be closed. They are in violation of the Unfair, Deceptive, or Abusive Acts or Practices.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NC)

My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. 

The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. 

This is a list of the concerns I would like the Federal Trade Commission to review. 

Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. 

Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. 

The interest payment did not decline as the balance declined. 

I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. 

These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. 

I do have documents to support all claims.
Consumer complaint received 2022-10-24
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 my husband and I flew on XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX NY to XXXX Florida. 
In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. 
My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to XXXX 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. 
This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.
Consumer complaint received 2022-08-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Onity Group Inc. (IL)

Complaint against PHH Mortgage Corp. and Ocwen Loan Servicing , LLC Dear CFPB, On XX/XX/2022 XXXX XXXX, who is Ocwens employee located in XXXX, acting as Consumer Account Analyst for PHH Mortgage Corp. sent me a letter about dispute regarding a mortgage account related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX IL XXXX, Case number XXXX, which also has a regulatory case ID XXXX. 

The letter has a statement that PHH is a debt collector and apparently wants to collect from me a mortgage debt. However, I don't see any statements as required under FDCPA re disputes. 

I demand PHH Mortgage to send me a copy of the Mortgage and Promissory Note which they mentioned as a basis for my dispute and a copy of the Regulatory Case with the Office of Consumer Ombudsman ( please provide the full address for the Ombudsman and their direct contact information since the number XXXX appears as a fake number )
Consumer complaint received 2022-08-09
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)

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM H AND R BLOCK IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC (TX)

I worked with XXXX XXXX at LoanFlight lending. In XX/XX/2021 he was the loan officer who facilitated the refinance of my primary home loan, from cash-out ( XXXX ) to conventional ( XXXX ). This refinance was only for a rate-change as resulted in no cash-out or extraction of home equity, as a matter of fact I paid closing costs. 

Upon applying for HELOC ( with two different banks ), I was informed that the XX/XX/2021 mortgage was actually processed as a cash-out mortgage ( XXXX ) and not as a rate/term change ( XXXX ) per my request and expectation. As a result, I am unable to access my home equity based on Texas ' property law that allows only one XXXX loan per property. So, I can only leverage my home equity if the mortgage is refinanced at current mortgage rates of XXXX %. 

XXXX, as the representative of the mortgage company ( Loanflight ) states that I was required to specify the loan designation of " XXXX '' for them to process accordingly, otherwise it is processed as the prior loan designation ( XXXX ) - even though is technically a XXXX loan structure. As a fiduciary, Loanflight has accountability to process my loan per my request and expectation.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (LA)

I disputed these items a while ago about Vance Huffman Account # XXXX. 
After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my XXXX account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!
Consumer complaint received 2022-08-23
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. (MI)

Listed below are a few of the different laws the credit furnishing companies have broken, I wont list them all here, just the 1 's that were blatantly broken. 

15 U .S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U. S. Code 1681 b- Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-08-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (FL)

Had a Auto loan with Santander. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that Santander charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with Santander on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.
Consumer complaint received 2020-06-12
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: Self Financial Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since Bank of America acquired our loan from XXXX, our mortgage keeps increasing every year. Bank of America would never allow us to refinance or get a recent modification on our loan. We have gone from paying {$1800.00} a month to {$2600.00} a month and the rate keeps increasing. We have been turned down for a loan modification multiple of times.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (MI)

I received a statement if account from Comerica Bank. And then I received a set of checks attached to the account. I did not request a checking account from Comerica Bank. I contacted Comerica and they have closed the accounts. XXXX in their fraud department identified that checking, savings and online banking accounts were created fraudulently in my name.
Consumer complaint received 2022-06-28
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: Dynamic Recovery Solutions, LLC (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-05-16
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # XXXX ( 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.