davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (GA)

I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent attached letter to all 3 bureaus XXXX, XXXX and Transunion- all said they verified but did not provide anything showing that they verified or an original signature or contract or agreement or authorization
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

hese can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

i am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.
Consumer complaint received 2016-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (TX)

Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TX)

My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc. (FL)

I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
Consumer complaint received 2015-09-28
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

Paypal does not disclose that it charges fees on requested payments ( XXXX ). In this case, I requested {$500.00} from my mom through paypal assuming that the requested transfer would be free in the same way as if I requested payment through Venmo, another Paypal owned service. Instead, when my mom paid me the {$500.00}, I only received {$480.00} because Paypal charged a {$14.00} fee. That fee was never disclosed to me or my mother ahead of the transfer. Paypal claims that because the transaction was categorized as " Goods '' the fee can not be refunded but the way Paypal setup the request, there was never an option to change it to the " Send money to friends or family '' which normally results in a free transfer. Nowhere in the process was the fact that a fee would be charged disclosed.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, my Wells Fargo accounts ( personal and business credit card and checking accounts ) were taken over by fraudsters. I realized some weird operations were happening at my account and rushed to a wells fargo branch. XXXX tried to reach out to the fraud department and in the meantime checked my accounts. It was around XXXX, banker reached out to fraud department. We realized that in the last XXXX hour there has been cash advance from my credit card to my business account, money transfers from my personal account to business account, XXXX transfer from my personal account and finally wired out from my business account. 
XXXX ) Even though I reported to incident within XXXX hours, wells fargo was not able to stop the transactions, except for zelle transfer from my personal account. 
XXXX ) Even though a ) I had never done an online wire transfer and credit card cash advance since I opened my accounts in the last 8 years, wells fargo approved the transactions without getting my verbal approval b ) It seemed like personal zelle and wire transfers happened at the same time but wire transfer went through. Personal electronic fund frauds are protected by XXXX regulations, but business wire transactions do not have that kind of protections. 
c ) after my research, I saw that this is a common fraud ( several internal transfer and then wire out ) and it shows either very weak wells fargo security system or this fraud is an inside job. 
XXXX ) 2 days later after the incident, I realized that there has been another cash advance from my credit card even though we had closed the credit card. I spent literally XXXX hours on the phone with wells fargo bankers but no banker was able to explain this transaction. They transferred me from XXXX department to another department in circles. Some told me that it is the same first cash advance and not to worry about it, but it turned out that it is another unexplainable cash advance. 
XXXX ) From the letters I received from Wells Fargo, I see that wells fargo is just protecting themselves and they will not reimburse my loss. 
XXXX ) Even minutes are very important in reporting such frauds, however when the banker first called the wells fargo XXXX XXXX department, XXXX department asked whether we reported the case to police department. At the time I arrived the wells fargo XXXX, I did not even know that frauds had already happened. Police departments do nothing about frauds except for filing a report. 
XXXX ) On XX/XX/XXXX, I filed FTC, FBI and police reports. 
XXXX ) Upon my escalation at wells fargo, wells fargo assigned someone who is now investigating all frauds together.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of 2024, a check was sent to me for XXXX. I deposited the check to my account and after the hold period began to use the funds. Several days later i was informed that the XXXXXXXX XXXX on which the check was written declined the check due to what they termed fraudulent activity. As a result the check was denied on my account. However, we had already used {$15000.00} of the money. We requested to be refunded this amount due to the check being fraud. I was informed that this was denied because i had deposited the check not someone else.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a history of issues with this bank in terms of opening accounts online. 

Earlier this year I went into a financial center and provided my valid MA state ID to them and they opened a checking account with no further verification. There was also a huge mess where there were multiple profiles and those had to be consolidated and my banker at the time had to call in many times to get this fixed and she said she was able to for the most part but there were still some lingering issues. This shows how bureaucratic and archaic BofA systems are. My banker at the time on XX/XX/XXXX was : XXXX XXXX, Senior Banker, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX, XXXX. 

Fast forward to this week, I decided to close my checking account because I was interested in a different product with a lower monthly maintenance fee. This bank makes everything extremely burdensome and difficult to do anything like opening new account even after being a recent validated customer. 

While logged in to my online profile where I just had a checking account this week, I tried to apply online and all information was pre-filled. I also took the liberty to unfreeze all XXXX major credit reports, XXXX, XXXX, and XXXX to avoid any issues with any verification. To little of my surprise even while logged in through the Bank of America app with the same account I have always been using and while verified, I receive an email that my application is being processed and later that it is declined saying unable to open online, visit financial center with form of ID, social security card, and retail card ID. The person on the phone stated my profile is noted that I have to be ID 'd each time in person- why? 

Why are you adding so much burden on me when I literally have been a client of yours since XXXX? How are your technology systems so outdated? 

I have XXXX XXXX XXXX with other bank with ZERO issues with your major competitors and they don't discriminate me like you do. I am sure " XXXX XXXX '' would have no issues opening an account online in seconds while I have to go through the undue burden as a person with XXXX to go in person each time, and as a XXXX for simply having a last name in XXXX with spaces. This is completely unacceptable and archaic to do in XXXX. 

I hope this situation can be rectified once and for all.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "