davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (NY)

In XXXX I was looking for a loan to pay my daughter 's tuition for a private school I came across Mariner Finance in XXXX of XXXX They agreed to give me a XXXX unsecured loan but if I wanted the XXXX that I requested I would need to use my car as a collateral. Of course I was in need of the XXXX which they were aware of so I went with the XXXX and use my XXXX XXXX accord as collateral. My car at the time valued around XXXX when I did a XXXX XXXX XXXX estimate but they valued it at a lower price. With that being said I also read online where if you have a secured loan and use a car as a collateral your interest rate should be lowered. My payments are {$190.00} a month which I have paid over XXXX already which most of the money have went to interest Early this week I decided to get a pay off amount so I can pay off the balance but realized the pay off balance was over {$5000.00} after 8 months of payments. My credit score at the time was XXXX. They gave me a 24.97 % interest rate on top of using my car as collateral. I feel Mariner Finance took advantage of my need for a loan and Usury does apply in this situation.
Consumer complaint received 2023-05-12
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. (IN)

I have contacted Experian, XXXX, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : 1. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy - Acct # XXXX XXXX XXXX XXXX ( a ) ( 4 ) states the consumer 's right to privacy.

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Experian, XXXX, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer.

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy - Acct # XXXX
Consumer complaint received 2024-10-15
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2023-05-12
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. (GA)

XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX  Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX APTS Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updatedXX/XX/2023
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, My name is XXXX XXXX. Bank of America EDD had closed my account because of " fraudulent activity. '' I contacted XXXX and they verified my identity and resolved other things but Bank of America is still not opening my account. I contacted both XXXX and Bank of America XXXX XXXX over the last few months but neither party was able to help me resolve this problem. My funds are there but I can not access it. When I talk to XXXX about reopening my account, they direct me to Bank of America and when I talk to Bank of America, they either tell me there's nothing they can do and that it's " strange '' that account is still closed or direct me to XXXX. I have been in this loop for months now. I have hour-long phone conversations recorded where both parties fail to resolve this issue of reopening my account and I am ready to take legal action. 


XXXX XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION (FL)

so I had a issue with Suncoast credit union making my XXXX XXXX balance negative when it was supposed to be my Suncoast credit union debit card that was supposed to have the negative balance of XXXX owed. I had resolved things with Suncoast to resend the repayment option to XXXX  on their behalf of their mess up. I am now fighting with XXXX XXXX because due to Suncoast messing up a filed dispute wrong transaction I ended up repaying the negative repayment balance off to XXXX XXXX until they properly sent XXXX XXXX the XXXX credit back. I have since been arguing with XXXX XXXX regarding what they could do because I assumed it was XXXX XXXX mess up with me paying them back. I ended up paying off XXXX XXXX {$700.00} dollars along with another {$290.00} to bring my account current ( off incoming deposits from my clients ) due to thats how I get paid. As I only have one XXXX XXXX there was no other way to stop the deposits. So it was already repaying all of XXXX XXXX back. After XXXX XXXX received the check from Suncoast it repaid the last ( XXXX ) owed so I was left with a balance of {$700.00} dollars. So not only was I jipped from Suncoast from my projected full XXXX credit but also a credit of what I paid of " repayment '' to XXXX XXXX. I lost a total of {$290.00}, PLUS a total of {$700.00} dollars that equal to XXXX all due to Suncoast disputing something that shouldn't have been filed in the first place that has now costed me.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

Covington credit : constantly harassing me everyday sometimes 2 to 3 times a day. They told me awesome they can call me every 2 hours if they want. A couple days before she was saying she can call as many times as she want in a day.The calls started XX/XX/2032 and present time. On XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me three times, on XX/XX/XXXX they called me two times, on XX/XX/XXXX which is today they called me two times and the time that I talked to her today she said they can call every 2 hours if they want. The other days that I have not mentioned they called one time sometimes they call five days a week.
Consumer complaint received 2023-05-12
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. (NC)

XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX Experian XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.9. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.10. Sample Reason XXXX XXXX  Account Number : XXXX My parent has the same name as me.11. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC (NE)

I am writing to bring to your attention a concerning issue regarding false invoices and excessive cleaning fees charged by my landlord. The details of the situation are as follows : Dates : The landlord visited the apartment one week prior to the move-out date, which was [ Date ]. During this visit, he addressed a ceiling leak issue originating from the upper apartment. 

False Invoices : Despite the landlord 's visit, he made no mention of the apartment being dirty or in need of extensive cleaning. However, I have recently received invoices claiming cleaning fees totaling {$1500.00}, which is an exorbitant amount for cleaning services that were not necessary. 

Apartment Condition : I would like to emphasize that the apartment was not left in a dirty or unkempt state upon my departure. I ensured that the apartment was cleaned thoroughly, following standard cleaning practices. The claim of {$1500.00} in cleaning fees is unjustified and lacks any supporting evidence. 

Lack of Disclosure : It is particularly concerning that the landlord failed to disclose any concerns regarding the cleanliness of the apartment during his visit. His failure to communicate any issues at that time further undermines the legitimacy of the cleaning charges. 

I kindly request that you intervene in this matter to investigate the false invoices and excessive cleaning fees imposed by my landlord. I strongly believe that these charges are unsubstantiated and unjust. 

Please consider this correspondence as my formal complaint and request for a fair resolution. I am eager to provide any additional information or documentation necessary to support my case.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

XXXX. XX/XX/2023 I received text alert from XXXX regarding a deposit from someone i dont know. I imediately call My bank PNC. They advised me i have to wait until the transaction posts to return it, because it is XXXX. under pending. The bank would have the person who XXXX me info, i dont know the person so i can not reach out. Monday still pending, tuesday morning i try to send it back i get alert " service unavailable call PNC ''. I was then notified by PNC i have no access to use XXXX they reserve the right, i have no access to online banking, my direct deposit my money in frozen the investigation can take up to 30 days. My kid has XXXX and XXXX, im a XXXX XXXX  XXXX with no access to my money. This is illegal. How can thet just do this?
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-10-15
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. (NC)

I REQUESTED BACK ON XXXX XXXX XXXX THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). XXXX XXXX, EXPERIAN, NOR XXXX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW;

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (MS)

My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (ND)

My mortgage payments were on autopay with our bank XXXX XXXX. XXXX  was in middle of an upgrade where autopay did not send XX/XX/2023 mortgage payment. XXXX XXXX/Nationstar Mortgage LLC serviced by Mr Cooper ( mortgage company ) did not notify me of a missed payment until following month, no attempt of communication was performed within the 30 days of late payment. Servicer said they called on XX/XX/2023 to ask about late payment. No evidence on my phone records show a call. No voicemail was made. No email was sent out regarding late/missed payment. Even after explaining what had happened with XXXX about upgrade failure, mortgage servicer would not file to remove credit penalty. I have attached my phone records with highlights of the day they claimed to have called me, on XX/XX/XXXX, which no call was made. Phone shot record shows no calls were incoming from XXXXMr Cooper on XX/XX/XXXX. On XX/XX/XXXX, you will see a highlight of their call to tell me XXXX was late, as the fix hadnt been made until that notification. I paid both XXXX and XXXX on that date. Had I known XXXX was late with a phone call XX/XX/XXXX, I would have made immediate payment. As you can see on my payment photo, after our call on the XXXX of XXXX, both payments were posted. XXXX XXXX is our bank, I can provide documentation that an upgrade has been in the process for months now and no notification was made to us that a missed payment was made. I have attached a conversation with the servicer where they say they will call on day 2 and send a letter. I have also attached the part where the letter should be shown that was sent in XXXX that I have a late payment. No letter exists.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I submitted a complaint against PayPal regarding a limitation placed upon my account because I had disputed a charge with XXXX. The complaint number was XXXX. The complaint was as follows : ( ( I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX on XX/XX/XXXX. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX  page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/XXXX. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what??? ) ) I received a response back correcting the problem through XXXX on XX/XX/XXXX and I thought the matter had been resolved. 



However, PayPal is absolutely refusing to correct the problem on their end and I am so frustrated with these people.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (NC)

Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.