davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (CO)

XXXXXXXX XXXX XXXX has a 3 day refund policy. I requested the recorded line on the phone with the angi leads agents where i clearly cancelled my subscription with them. They said they just needed a card on file and weren't going to charge me until i want to resume leads. I never received a single lead. I was told by XXXX and 3 other agents since XX/XX/XXXX that inwould get a full refund for {$280.00} they said a refund would be processed but it can take 7-30 days. That is outside of the refund policy. So i charged back thru my bank. They then sent me to collections after they told me they could not refund me to my bank or into the angi leads account that i have NEVER used. How am i not being charged {$380.00} or more? It makes no sense. They're such bad scammers.
Consumer complaint received 2023-01-25
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. (NH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

On Saturday ( XX/XX/XXXX ) - I submitted a payment for the amount of {$1700.00}, which is the LAST payment of the XXXX XXXX accounting interest and principal - On that day the website went into an error ( attached ), unaware if the payment went through ( due to no confirmation email or website payment activity ) I tried again. 

- The next day ( XX/XX/XXXX ) I logged back to UASConnect.com ( lender website ) to check payment activity and noticed that the payment DID actually go through ( XXXX {$1700.00} ). I called the lender but customer service did not work over the weekend and my bank had no way to resolve it either. 

- On Monday ( XX/XX/XXXX ) I called the bak ( XXXX  ) to help me reverse the payment since I do not have the funds for those duplicate transactions. The bank places a stop payment on the lender for the payments to not go through. 

- On Monday ( XX/XX/XXXX & XX/XX/XXXX ) I called, emailed and secure message the lender to ask to reverse the duplicate transactions. the lender resolve was that " As per process the overpayment amount of {$3400.00} for your loan id. XXXX under XXXX University will be automatically refunded back within 45-60 days. Thank you! '' However, I mentioned to them I DO NOT have the funds to cover the duplicates and my account will be negative incurring fees if they do not expedite the process. 

- On Wednesday ( XX/XX/XXXX ) the payments go through. The bank bounced one of the three payments, however 2 were made to the lender. I called the lender again to please ask for a reversal of the ACH payment due to insufficient funds, no resolve. I called the bank and was advised to open a dispute to see if the lender can provide the funds back. 

Summary : My account now has a negative balance due to the lender lack of ability to reverse what is clearly duplicate payments, as well as the bank allowing my account to overdraft by more than {$1000.00} without my account having those funds and their inability to reverse ACH transactions that are clearly duplicates. 

I have attached : Bank statement, lender statement and lender website error.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal banned my account permanently. I comply and I don't violate any of their legal agreements and Acceptable Use Policy, my account was also verified but they shut down my account instantly. 
I only have one disputed transaction, and it was immediately resolved because I already refunded the sender in full. I don't understand why PayPal treats its users in this manner. They just banned my account without prior notice, no information we're asked first in a way that I can still lift the limitation by submitting documents they asked. Sadly, they never asked me to submit those and instead they immediately shut down my account.
Consumer complaint received 2016-07-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (PA)

Honda Financial Services refused payment and later reposses my vehicle without proper written notice. The first attempt : '' A Notice of Default and Intent To Reposses '' for XX/XX/XXXX and XX/XX/XXXX was forwarded to : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, PA XXXX on XXXX XXXX, 2016. In compliance with this notice, a payment of {$500.00} and an arrangement were made to void this notice. Subsequently, an arrangment was made to complete final payment to release the title of the vehicle. The total amount owed prior to the previous notice date was {$2000.00}.
Consumer complaint received 2023-02-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding ( represented by XXXX & XXXX ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the DJ this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

Midland and XXXX 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that both Midland and XXXX were reprimanded for in their respective CFPB Consent Orders. There is no record of Midland ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

Midland Funding has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

Midland is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if Midland chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
Consumer complaint received 2017-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (GA)

Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Harris & Harris, Ltd. (IN)

COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012
Consumer complaint received 2023-05-11
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. (NC)

After sending MULTIPLE complaints, there are still MULTIPLE FRAUDULENT items on my credit report. I hope they will be deleted IMMEDIATELY because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts are not mine.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I opened an online account with USAA in order to open a banking product with them. Unfortunately I did not qualify for membership with them. Upon realizing this I call them and asked them to cancel that online profile. They told me since I could n't qualify for membership that the online account will be closed automatically. Well, months passed and I recently received an email from them in regard to an online agreement update. When I try to access online, the acocunt is still open. They never closed it. I call them once more and this time they stated once I create the online account it can not be deleted and my private personal information will remain on their system. I am not authorizing USAA to keep my private personal information and it is outrageous that they tell me they wo n't delete it.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I received notice through my credit report that my Care Credit card was closed effective XXXX XXXX. I receive no notice, the company claimed to have sent an email, but I show no record. I just had XXXX on XX/XX/XXXX and planned to use this card to pay for medical bills. When I called Synchrony/Care Credit on XX/XX/XXXX they stated the account was closed due to in activity. I asked if they provide advance notice, because if they did they would learn the card was planned for use, they confirmed they do not provide advanced notice, they just close the account. Not only does this impact my credit score without warning, I am now without a payment method for my medical bills. I offered to even provide documentation of my medical event for proof. I asked for them to resend the notice of account being closed they said they are unable to send the email, but will send it via US mail within 20 days. The manager stated I should have the message in my online account messages, which I checked while on the phone with her and explained the message was not there, it just states account closed. They stated they are unable to reopen my account or line of credit, and I would have to apply for another credit card with the company. I asked for any type of documentation ( email, letter, even phone recording ) of the call confirming my complaint and their response, and I was declined of that request.

My account was used within the last year, and my last payment which paid the balance of the card was processed on XX/XX/XXXX. So my account was only 10 months of no activity. 

While I understand reviewing accounts and need for closure at times, I dont understand how this can be legal doing so WITHOUT prior notice or account reviews with the customer. Not only does this impact credit scores, but leaves people in situations like mine, where now I can not pay a medical bill, and the company is not held responsible in any fashion. So how do I pay for my medical bills now that I no longer have this payment method as planned? 

I have provided screenshots of my account with this complaint. The account will not even show my activity because it is closed. I have also provided a screen shot of my message account as proof I never received notice of the account being closed.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have been unable to get Equifax to update the following accounts. 


XXXX XXXX XXXX XXXX correct balance {$0.00} as reported {$470.00}
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit acceptance is being non complaint on this auto loan I purchased XX/XX/2020 I paid for a warranty {$3800.00} for this car within XXXXmonths when the shock went out on the car credit acceptance told me the warranty had expired may. I had to come out of my pocket to fix the my car. Ever since i then this has been giving problem. I am paying a car that doesn't even work. also the credit bureau is not reporting correct information about this account .The credit bureau has erase all my good payment history from this account .This is not fair. Credit acceptance call me every day XXXX time or even more.This is the worst company I ever dealt with.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

Equifax is reporting the following accounts with balances when in fact they have no balance : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (TX)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-02-27
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. (OH)

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 Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.