davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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. (TN)

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

A couple of weeks ago I submitted a complaint here against M & T Bank under claim # XXXX. I was informed by M & T that they would be responding shortly. Instead, I received a letter directly from them via a XXXX courier on XX/XX/2019 that they were closing all of my accounts, and not just the one I was lodging a complaint about which included all of my business accounts. 

I feel this is retaliatory and discriminatory because of the complaint I filed against them which was about the excessive overdraft fees that they had assessed against my personal checking account over the course of the year resulting in several XXXX dollars in fees collected by M & T.
Consumer complaint received 2023-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I get trapped in scam or fraud. 

I collect enough proof of scammer in which scammer already convicted the crime on my paypal account but paypal still not taking any action on those scammer by this way paypal is helping scammer to do their scam all the time without any limitation or taking action on them. upon telling paypal that i can show them proof but still paypal said even with those strong proof they will not take any action on scammers. Thats clear indication that paypal helping scammers. there was {$6700.00} total disputed transaction. 

those accounts in which transaction happened was XXXX XXXX  {$1700.00}, XXXX XXXX {$1500.00} & {$500.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$620.00}, XXXX XXXX XXXX {$760.00} paypal is not secure way of doing transaction.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

XXXX XXXX XXXX was given access to my open-end account to establish and open an accepted credit card account with their bank to cover my personal, family and household purposes for our private vehicle repairs and ongoing maintenance. I asked the bank to show me the accounting in its entirety. As it pertains to the account. They immediately closed my account, labeled it bad debt and defamed my character and damaged my credit. I was just reading on The CFPB enforcement page that a {$9.00} XXXX XXXX  settlement was just reached with XXXX XXXX who violated consumer financial protection laws and rules that protect individuals when we dispute credit card transactions. The Truth in Lending Act protects my right to see the full and unadulterated accounting of my account. I was punished because I asked to see the books on my account. I now know that they had something to hide that they absolutely didn't want me to see. I now see that they have charged off the account and sold it to a third-party debt collector named CBE group. Please correct me if I'm wrong, but aren't credit card accounts non-transferable and non-negotiable? If that's true, then aren't these two companies acting fraudulently? XXXX XXXX XXXX. ignored my rights protected by T.I.L.A. and the CBE GROUP are attempting to collect a debt in fraud.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MN)

I received a notice in the mail ( regular mail ) stating they are going to garnish my wages from a very old employer. I have no idea who these people are. I looked online using a case number they provided to find I have a judgement from XXXX for approx {$2200.00}. I was never informed of such judgement. The amount they state I owe is now over {$3000.00}. I left a message and sent a letter asking for validation with no reply. I am unaware of any debt owed. Not sure how they got a judgement when I was never served or notified to begin with?
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

This company is a RIP-OFF! They charged me outrageous fees and interest, and also every time I made the required minimum payment, it was as if the loan amount never decreased ( payments barely covered the interest ) leaving me with a balance more than I actually borrowed. I was contacted by mail by a company called XXXX XXXX saying there was a possible class action lawsuit. I completed and submitted the claim form, but never heard anything back from them. I just want to see what options I have to either be reimbursed for all the fees/interest charges and/or reimbursement of my money that I paid.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have had a valid PIN for security freezes/lifts for years with Experian ( and the other bureaus ). As recently as this week, I was able to lift the freeze using my PIN and personal information to complete a lift for financing purposes. The merchant couldn't run the report that day, so I attempted extend the lift a second day. I am now being requested by Experian to send in a dozen or so documents to create the lift which seems ridiculous given I have already submitted all the required information in the past, and executed the lift this week successfully. I can't get a human at Experian, only an IVR system that ultimately tells me I must send the documents to Experian. 

As more individuals freeze their credit files for their protection and the protection of their children, any inefficiency in the freeze/lift process will materially affect purchasing and have consequences on the overall economy.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank has my XXXX XXXX  card. I have been a member since XXXX, never once missed a payment. I have been enrolled in auto pay. tow months ago, they assessed me a late fee for a missed payment. THEY stopped my payment method with out contacting me. I have delt with this deceptive outfit before with a XXXX XXXX card. if you don't carry a balance, they lower your credit limit to cause your fico score to drop. 
these are deceptive practices and should be investigated. how many other people have they bilked on late fees when they trust their payments are made on time. Please review other complaints and investigate that they do this on a large scale to bilk fees and late charges, as many people wont complain. I am looking into a possible class action lawsuit with them, You have an obligation to investigate this complaint and look into how many others were affected by this. I will await your details. 
thank you
Consumer complaint received 2023-06-27
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. (GA)

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  has violated my rights. Or list of inquiries 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 2019-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Found individual who posted XXXX XXXX tickets vs XXXX XXXX for Thursday XX/XX/2019. Invididual mentioned they were unable to attend due to work and that tickets would be transferred via XXXX. I asked for a screenshot of tickets and they did. They originally suggested XXXX to transfer money but XXXX was saying an error would occur when attempting to send so we switched to XXXX XXXX. As soon as they received the money ( {$280.00} ) via XXXX XXXX  they stopped writing back and picking up the phone. 

I contacted XXXX XXXX  today who said since the transaction was complete ( scammer auto accepts payments ), there was nothing they could do and suggested I contact the scammer back for a refund. They mentioned that they monitor users accounts daily for unusual activity, but yet can't accept a complaint or flag from my call to report to the account. The only other suggestion was to open a police report and they disclose information to them. I have a hard time believing they're doing their job when XXXX blocked the trans but XXXX XXXX easily accepted it. 
I then reached out to Bank of America who said I could dispute through the app and it would take over 30 days and there's not much that can be done.
Consumer complaint received 2023-06-25
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: Resurgent Capital Services L.P. (TX)

While checking into the national multistate licensing system, I noticed LVNV FUNDING LLC is not licensed to collect in the XXXX XXXX XXXX and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( Comenity capital bank forever ) Acct number : XXXX ( XXXX XXXX XXXX XXXX ) Acct number : XXXX ( XXXX bank XXXX XXXX ) Acct number : XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX. ) After deletion I need an updated credit report.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My loan is with Mr Cooper. 

In XXXX my payment went up and when I called in I was told it was due to my escrow account going up. 

I found this very strange as I had reduced my flood insurance but {$1500.00} and my home insurance by {$1700.00}. 

I found out that had in fact paid my old home owners insurance company and my new one. 

I called my old insurance company and they returned a check to me for {$4100.00} and I paid that on my escrow account. I have them agree to running a new escrow analysis. It has been over 60 days and this has still not been done. 

I have been told by one of their representatives to hold my payment until it fixed. They have charged me a late fee despite them promising me they would not charge a late fee. Then they promised it would be removed from my bill and these charges still have not been addressed.

I notified them under Section 6 of RESPA that they had to comply within the time frame outlined by section 6. They have failed to respond. This is my second complaint about the conduct of this servicer.

Under theses difficult times I am struggling to make my payment and this is not helping me
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, TRANSUNION, XXXX PACER, XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Creditors Equafax, XXXX These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}
Consumer complaint received 2019-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery is trying to report same collection twice. I already paid a collection and the account was closed. Then as soon as that was paid a new collection account appeared in their portal for the same amount that I already paid. They are using illegal and deceptive tactics to try to collect on the same debt multiple times and are reporting a debt that should be removed from my credit as still owed. When I paid the collections account for XXXX on XX/XX/19 there were only 2 accounts ( the XXXX I paid and a XXXX that is not mine and 7 years and 3 months old ). Then mysteriously less then 2 weeks later there are 3, the one I paid, the old one and a new one for a duplicate amount. If that debt really existed and really was sent the day they claimed it was it would have existed in the debt collectors portal the first time I went to pay the 1 amount for XXXX that was listed on my credit.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-25
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. (TN)

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (CA)

On XX/XX/2023, I attempted to submit an image of a U.S. Treasury check in the amount of {$200.00} ( USD ) via Chime Financial , Inc. 's " mobile check deposit '' feature. Chime asked me to endorse my check with my signature and the language " For Deposit to Chime Only. '' After correct endorsement of the check, I submitted the images of said check, only for Chime and its banking partner XXXX XXXX XXXX XXXX  ) to reject my deposit, saying that the check was incorrectly endorsed. I submitted another image ( with different lighting and a darker background ) via Chime 's mobile app, and the deposit was again rejected for " poor image quality. '' I tried fiddling with the image quality settings on my phone 's camera and took what I believed to be the clearest possible image of this Treasury check, then tried one last time to submit it for deposit. Chime and XXXX XXXX rejected my third attempt to deposit my check, again for improper endorsement. I immediately sent an email ( on XX/XX/XXXX ) to Chime 's " Member Services '' department explaining my situation and asking them to correct the problem that I was experiencing. Unfortunately, it took almost one full month before a member of support personnel replied back to me via email ( XX/XX/XXXX ), saying that there was nothing either Chime or XXXX XXXX could do to fix my mobile check deposit issues. I am now attempting to close my accounts ( both checking and savings ) with Chime, as I believe the company 's customer service is so terrible that it negates the advantages of banking digitally. I don't think Chime should claim that they are " the number one most loved banking app. ''
Consumer complaint received 2023-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I sent in full payment to their finance company and relayed this information to XXXX, week ago. I am still being called and harassed by them, this is not a duplicate complaint it is an extension because the called are still coming and I want them to leave me alone and am hoping that these annoying phone calls stop. They are also calling and hanging up which is an unacceptable practice. I paid them in full and I want XXXX to never contact me again ever.
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (HI)

I leased a vehicle from Mercedes-Benz XXXX XXXX which is financed by Mercedes Benzs Financial Services arm . As a convertible, it had an annoying drip every time it rained. The dealership was less than helpful after replacing the flashing. And I decided I would never buy/lease another vehicle. As I neared the end of my lease, I decided to buy a new/use XXXX and return the XXXX. Ultimately, it worked out that I could return it early. I spoke with the local dealership and they said I could just bring it in early as long as I made all payments. When I brought it in, they said it was in immaculate condition, which it was and only XXXX miles. They also had XXXX extra weeks to sell the vehicle. About a week later, I received a bill that included a {$590.00} turn in fee and {$22.00} early termination fee. I am sure both fees are listed on the extensive paper work reviewed XXXX years ago. But a {$590.00} junk fee on a XXXX XXXXXXXX transaction, I was shocked. It was not covered verbally at lease inception nor in person or on the phone in several calls leading up to the return ( and all parties know I wouldnt be buying or leasing another XXXX  ).
Consumer complaint received 2019-08-16
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: Southern Auto Finance Co (CA)

To my knowledge, I have not signed any document authorizing SAFCO CREDIT COMPANY to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : SAFCO Inquiry Date:XXXX The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Consumer complaint received 2023-06-27
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.