davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

I received a debt collection notification from Pioneer Credit Recovery in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that Pioneer is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

This complaint is in respect to a mortgage payoff with Nationstar Mortgage LLC ( d/b/a Mr. Cooper ). In a recent closing on XX/XX/XXXX, the title company paid the payoff amount XXXX {$390000.00} XXXX on the payoff letter provided to me through the Mr. Cooper website. There was apparently some shortfall XXXX the source of which is not entirely clear ). Rather than applying the {$390000.00} to my account on XX/XX/XXXX, Mr. Cooper claims their policy is to suspend the amount anytime a payment on a balance comes in that is over 90 % of the amount due until such time as the remaining amount is paid. I find this practice to be inappropriate, as Mr. Cooper continued to charge me interest on the full principal balance of {$390000.00} for a full week until I identified the issue ( of which I was not contacted about ). Rather than applying the amount paid on XX/XX/XXXX to the principal, their " policy '' is to effectively take the money as an interest free loan AND continue to charge their customers on the full pre-payment principal balance, notwithstanding the huge lump sum payment they just received in respect of the applicable account. I find this practice to be predatory, as consumers such as myself may not be aware the payoff was short ( even {$1.00} XXXX and then continue to incur interest on an account that has been largely paid off. If Mr. Cooper wants to charge interest on the amount that was short, I have no issue there. Their practice is not fair and it is not properly disclosed on any documents I have seen. In fact, on their payoff statement, there is an FAQ section and the question on wrong payoff amount ( copied below ) says that they may send the money back if it is short, but does not say they will hold it as unapplied. If they chose to send the money back, then I would have found out about this issue sooner and it would have been resolved within a day ( and less interest would have been charged ). 

What happens if I send in the wrong payoff amount? 
If your payment is short and you have an escrow account that will cover the difference, then we will apply those funds toward the payoff. If you dont have an escrow account or the balance is not enough, then we will attempt to contact the sending source to satisfy the payoff. Please note, if this falls after the payoff date deadline or we can not contact the sending source, then a refund of the total payment amount will be issued back to the original source. For this reason, we encourage you to pay the amount that is stated on your payoff quote. 
In the event of any overages, you will automatically receive a check for those differences once the account has been balanced out.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (MI)

Monday XX/XX/XXXX I called to dispute a dept from XXXX the manager was extremely rude and refused to accept my dispute And in which I was trying to tell him that XXXX XXXX started happening when the debt came about and that I was affected during that time. Then he proceeds to argue with me telling me that covid 19 is not that bad anymore compared to what it was back then in XXXX.And when I was trying to explain that it was he then hung up on me. I was bullied by him and was not heard. I was going to give in and not dispute this or try to because he wasn't going to let me, so I asked if I paid monthly what would my payments be he gave me a estimate of {$93.00} a month. I hung up because I was very upset with his attitude that he continued to give me. Today XX/XX/XXXX I called again to try and settle a monthly payment that fit my finances. It was a different employee who told me I had to pay {$320.00} for the next 7 months. I do not like being lied to or bullied and that's exactly what this company is doing to me.
Consumer complaint received 2022-03-25
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: Premium Credit Bureau (KS)

Premium credit bureau pulled my credit report by request of XXXX XXXX  XXXX without my consent on XX/XX/XXXX. I have contacted both companies multiple times with no resolution.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 - Coinbase Charged me XXXX XX/XX/2021 - Coinbase Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - Coinbase Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 - Coinbase Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted Coinbase multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union has closed the XXXX XXXX account that was fraudulently opened in my name, but I still receive statements say I owe a payment on the account. In addition, the company has failed to notify credit reporting agencies that this account was opened fraudulently. It should do that so the account is stricken from my records.
Consumer complaint received 2020-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

1. I'm not sure when Paypal changed its policy, or if they notified users about the policy change. But I am no longer able to connect my Paypal account with my bank accounts since XX/XX/2020. This directly caused me not able to receive incoming deposits sent by others through Paypal. Paypal should explain why I can no longer use all my previously verified bank accounts. And, why I am not able to verify any new bank accounts either. This sudden disruption without any explanation or warning in advance caused me financial loss since I wasn't able to confirm the pending transfer in the amount of {$9.00}, the incoming transfer eventually was returned to the sender automatically 2. I filed a complaint on XXXX XXXX XXXX   on XX/XX/2020, when filing, XXXX  asked me to provide " contact email " and " account ID associated with the complaint ( PayPal email ) '', I provided both. A month later, XX/XX/2020, Paypal informed me that they can only be contacted from the email address linked to the relevant PayPal account for privacy reasons. Paypal should present the corresponding paragraph from the User Agreement where it says so. Besides, I filed a complaint through XXXX, and it is XXXX  who asked me what email address I want to use as the contact method. Does Paypal 's user agreement also have restraints on what email address a third party or a mediating agency should request from consumers? If so, Paypal should present the related page from the user agreement as well. So far Paypal offered zero answers or solutions to either of my questions.
Consumer complaint received 2022-03-25
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)

Upon checking my credit in XXXX of 2021 and noticed that I had a collections and charged-off accounts on my credit report that I never opened. I contacted the credit bureaus via writing to let them know that I was an victim of identity theft by sending them the FTC Fraud Affidavit as well as a copy of the police report to indicate this. Despite these numerous attempts, the bureaus will not delete these delinquent accounts from my credit reports harming me financially. My ability to gain credit is destroyed! 

I want this error fixed IMMEDIATELY! This accounts needs to be updated in their office, and they need to notify XXXX XXXX that the account is closed and to have all reporting to credit agencies deleted immediately!
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

Showed my bank proof of payment and delivery not being delivered. Pnc bank still refused to submit a refund or reach out to merchant. This is the second time I've had to do this in the last year, pnc bank doesn't thoroughly investigate.
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed [ insert number of inquiries ] that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX and XX/XX/XXXX 2. XXXX and XX/XX/XXXX 3. XXXX and XX/XX/XXXX 4. XXXX XXXX and XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC (OH)

National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Consumer complaint received 2022-03-24
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: WELLS FARGO & COMPANY (VA)

In accordance with the Fair Credit Reporting act XXXX AC 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 1666B : A 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 2022-11-26
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: Experian Information Solutions Inc. (NY)

False reporting was not made by me below XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citi bank blocked my account since XX/XX/XXXX with XXXX $ and they closed my account with no explanation I called them 100 time send email and even went personal top the branch but no one is telling me the reason why my account was closed or where is my money. I called again today and they told me my money was sent to a XXXX and then hang up on me. it's been 94 day since they blocked my account and no access to my money.
Consumer complaint received 2020-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (VA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX auto sales. XXXX XXXX purchased the loan from XXXX XXXX. On XX/XX/XXXX the vehicle started running hot and I contacted the dealer and they refused to take the vehicle back, which is what I was instructed to do by XXXX. I contacted XXXX and let them know that the dealer refused to take the car back and exchange it. I told them that the repair bill was {$1000.00} and was there anything that they could do to help. XXXX agreed to set the account up on a payment arrangement. The 1st initial payment was due on XX/XX/XXXX. The arrangement was set for me to pay half on the 17th and the remainder on XX/XX/XXXX. I made a payment in the amount if {$200.00} of XX/XX/XXXX. On XX/XX/XXXX XXXX auto sales used a XXXX tracker to track my vehicle. My vehicle was repossessed at XXXX pm at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX auto sales and stated that I had not made any payment on the loan. XXXX did not honor the payment arrangement that they offer to me since XXXX sold me a lemon. I never received any correspondence from XXXX financial that the car payment was in collections or up for repossession. I never received a phone call, email, or text message stating that the loan was delinquent. XXXX sold the loan back to XXXX auto sales without my knowledge. I went to XXXX auto sales on XX/XX/XXXX around XXXX am and spoke with a XXXX XXXX who is the finance manager. XXXX XXXX provided documentation from XXXX XXXX. The document is a notice of payment default and repurchase demand. He also stated that XXXX financial lied to me about setting up the payment arrangement and stated that I never made any payment. XXXX auto sales stated that the repossession was sent certified mail, however I have yet to receive any correspondence via certified mail. I have checked with my mail carrier and the USPS. XXXX XXXX is demanding that XXXX auto repurchase the vehicle in the amount of {$10000.00} if repurchased by XX/XX/XXXX and {$11000.00} if repurchased after XX/XX/XXXX. XXXX auto is now requiring me to pay the full cash price of the loan of {$10000.00} in order for me to get the vehicle back from them. XXXX XXXX is in violation of the Truth and lending act. XXXX needs to repurchase my vehicle back from XXXX and continue with the terms that we agreed upon for this vehicle. Any damage is done to the vehicle the cost of repair needs to be shared between both XXXX and XXXX auto sales. XXXX XXXX will need to also pay for any all charges assessed due to the violation of federal lending laws. XXXX XXXX needs to cover all towing fees assessed during repossession and to my return the vehicle to the address on my contract with them.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I received an email from. AFFIRM.COM stating that I owed them a payment. I have not purchased anything using Affirm so I contacted them. They told me it was a purchase through XXXX. I have not purchased anything from XXXX. I contacted XXXX and they have nothing in there system that I made any purchases from them. I let Affirm know those and asked for proof of what I bought and anything I signed. They sent me a contract with an electronic signature. I have never signed this contract, have never seen it, and have not bought anything from XXXX, and XXXX acknowledges this. Affirm only provided me with the loan contract with a statement saying it was electronically signed. 

I want this loan out of my name since this is not my loan, I never signed anything, never bought anything from XXXX. Affirm sent me an email back in XXXX in which I never even clicked on the link to sign anything since I hadn't purchased anything.
Consumer complaint received 2021-05-07
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. (TX)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRIDGECREST XX/XX/2019
Consumer complaint received 2022-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately. I have attached proof of address.