davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (RI)

I recently discovered, quite by accident that attached to my PayPal account there was something that PayPal set up without my signature or application ( at least they have been unable thus far to provide any proof that I had applied for this account so it is much like the XXXX XXXX situation ) and placed charges on this account at a rate of about 25 % interest. The account was associated with my PayPal account but the billing address was an address that I had not occupied for several years. The way I found out about this account was that I had closed my old account associated with my PayPal account and started getting three to four calls a day badgering me to make my PayPal Credit payment. I was on vacation at the time and I thought that somehow I had {$310.00} of unpaid PayPal transaction that needed to be paid so I paid it from my new account. UPon investigation when I returned home I learned that it was " payment on my PayPal Creidit Account with 25.49 % interest. '' I was genuinely confused and contacted customer service and have basically been given a lot of vague answers. They could not provide me with any specifics like an application for the credit or anything like that instead they told me to go through transactions. 
The problem I have is that I do not recall applying for this credit or authorizing charges with it. I have used PayPal delay pay ( pay for something after it is delivered ) and split charges ( paying for items in multiple payments but not as a credit card or credit line but as two separate cash withdrawals ).
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC (AL)

Representative of firm called Consumer Recovery Solutions, name of rep XXXX XXXX, phone number XXXX, called to attempt to collect on an overdrawn checking account from XXXXXXXX XXXX, overdrawn in 2010. Original overdrawn amount was {$130.00}. Was attempting to collect {$700.00}, and threatened that their firm has attempted a court summons recently, though he could not say when. We have received no mail, or any other notification, of the overdraft or the attempt to collect. He referenced a case number, XXXX. We initially agreed to pay, but moments later, changed our mind. Our bank told us that to fully cancel the transaction before it took place, we would need to close the debit card fully that we provided to them. This is a damage to us, and we will be without the debit card. We have suffered significant emotional stress due to this call, and this entire ordeal. When I attempted to contact this firm, I did speak with the rep, XXXX XXXX, and told him we wanted some paper form of the original debt and who it was owed to, and told us we would not be provided that information, then abruptly hung up the phone.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (DC)

This is not a duplicate filing. XXXX continues to misapply XXXX  47-2201. 

On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX  I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. 

In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. 

However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. 

Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. 
Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption.

Also exempt are purchases on which a sales tax has been paid to th

e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX  co
ntention, XXXX  Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX.

Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (AL)

On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). 

My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. 

Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit.

2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). 

The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. 
The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.
Consumer complaint received 2018-06-21
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: Experian Information Solutions Inc. (FL)

I wrote letters to Experian, XXXX, XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXX XXXX XXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX  for 10 of the past 15 years of my life and have had my identity used while being XXXX
Consumer complaint received 2018-06-21
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. (FL)

I wrote letters to XXXX, XXXX, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been incarcerated for 10 of the past 15 years of my life and have had my identity used while being XXXX
Consumer complaint received 2018-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX - Shellpoint mortgage was paid off due to a refinance. 
In XX/XX/XXXX, I decided to sell the subject property and received title. On title it still showed a lien with Shellpoint. I contacted them immediately and asked for a release of lien. I have e-mailed with XXXX XXXX several times and Shellpoint is refusing to send me the release of lien and is refusing to send it to the XXXX XXXX XXXX. My closing is scheduled for XX/XX/XXXX and the negligence by Shellpoint is going to end up costing me the sale of my house.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (IL)

I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX  XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I AM XXXX XXXX. BANK OF AMERICA REFUSES SERVICE AT THE BRANCH TO ASSIST ME WITH MY ACCOUNT. I AM NOW TURNED TO THE ONLINE ACCOUNT WHERE I HAVE TO ENTER ACCOUNT NUMBER THAT I DO NOT SEE. THE ONLINE SERVICE HANGS UP REPEATEDLY. 

THERE IS NO ASSISTANCE TO ME, A LEGALLY XXXX PERSON, AS PROVIDED UNDER THE AMERICANS WITH DISABILITIES ACT TITLE 3 EFFECTIVE COMMUNICATION AS WELL AS THE CIVIL RIGHTS ACT OF 1963.

I AM SO FRUSTRATED.

THE BANK OF AMERICA WEBSITE IS NOT COMPLIANT WITH AMERICANS WITH DISABILITIES ACT AS IT DOES NOT PROVIDE A MECHANISM TO BYPASS POP-UP SCREENS AND I HAVE TO LOCATE THE CLOSE BUTTON ; THEIR WEBSITE DOES NOT PROVIDE AN ALTERNATE METHOD OF NAVIGATION TO INCLUDE USE OF THE TAB KEY, OR ALTERNATE BACKGROUND, IMAGES HAVE NO DESCRIPTION TAGS, THERE IS NO WAY TO INCREASE AND DECREASE THE FONT
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

Help Ive discovered 2 accounts in my name that doesnt belong to XXXX XXXX two cable accounts Ive talk to the agencies and the credit bureaus and neither one is helping me. Also my student loans Im not working and i advise them months ago and they are still reporting late payments. Please help me resolve theses concerning issues. 

Dates and amounts XX/XX/XXXX {$640.00} XX/XX/XXXX XXXX student loan
Consumer complaint received 2018-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote letters to XXXX, Transunion, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX for 10 of the past 15 years of my life and have had my identity used while being XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (OH)

I have no idea who CBE GROUP is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CBE GROUP as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who CBE GROUP, is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CBE GROUP, that  authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2018-06-21
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. (MD)

Spoke to XXXX XXXX after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my Experian Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted Experian, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.