davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. Since it happened after I made a genuine transaction. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (FL)

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX  website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX XXXX XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

Global lending services XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2021-02-15
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (TN)

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. 

I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES.

Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document.

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (NH)

This is my second complaint with Aldous & Associates. After my first complaint they have now blocked my number from calling them. I had to call from a different number for them to answer. The first agreement I had with them was pay for deletion. After they received my full payment they completely disregarded the agreement and stated they did not have the power to remove the account from my report. I called again from a different number after the first complaint, and the person I talked to told me they do have the power to remove an account from a credit report. They put me hold to talk to a supervisor and the supervisor never answered. They left me on hold, and then hung up the phone again. I had to call again from another number and they then told me the supervisor was in a meeting. This company pathologically lies and they are extremely rude. They never answer questions directly and constantly deflect all questions. They lie, harass, and make false promises to collect a debt. Once they receive a debt, they completely disregard you.
Consumer complaint received 2023-07-24
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and I will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them from them months but I just remembered I could file report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. I have money balance there..My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On this date XX/XX/XXXX The Credit bureaus stated Accounts XXXX XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX, last payment inaccurate with different dates being reported ( XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, XXXX No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on XXXX nor XXXX. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on Equifax from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across XXXX nor EQUIFAX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Equifax Account XXXX : XXXX XXXX Account number : XXXX XXXX Account Name : XXXX  Account number : XXXX
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We had accounts with bank of america for several years, our account is linked to XXXX  as well as XXXX account as we have been using both companies to buy and sell stuff, on XX/XX/2020 our funds were running low, at this time XXXX tried to withdraw 3 small charges related to ebay shipping fees in the ammount of {$3.00}, {$3.00} and {$3.00} causing a {$9.00} overdraft in our account. 
Bank of america immediatly charged {$35.00} per transaction overdraft fees, bringing the overdraft to {$110.00}! 
Bank of america subsequently returned the items unpaid charging $ XXXXea return item fees, this caused XXXX to represent the unpaid items on XX/XX/2020, XXXX, XXXX charging {$35.00} return item fees each once again. 
in addition on XX/XX/2020 two new charges of {$4.00} were attempted by XXXX, both were returned as well and a total of {$70.00} return item fees were charged! as a result our account balance is now well over {$1000.00} into overdraft entirely due to overdraft and return item fees charged by bank of america! We have tried to resolve this issue with bank of america but they were only willing to refund {$70.00} which is a joke! 
My complaint centers on two factors, first of i consider charging {$35.00} fees on small charges more than excessive and second if bank of america had paid the items initially all the reruns and associated fees could have been avoided
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NY)

I leased a XXXX XXXX XXXX from GM Financial Leasing. All payments were made on time. At the end of the loan they charged me a {$420.00} termination fee. They have now reported the fee as pass due and it has dropped my credited score 37 points. Just to reiterate all 36 regular payments were made on time, they are reporting me for a fee they would have automatically waived if I had bought or leased another car.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

On XX/XX/2018 I did a consumer credit transaction with Citibank. The total amount of the transaction was for {$3300.00}. Citibank is in violation of 15 usc 1605 ( a ) .A few weeks after the initial transaction I received a bill requesting that a payment be made. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2021-02-16
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. (PA)

I submitted a dispute letter to XXXX, Equifax, and XXXX  to remove a few late payments from my credit report. It's been over 45 days and I still have yet to receive from any of the bureaus. The negative items on my credit report are causing me emotional and financial stress. I demand the negative items on my credit report to be deleted immediately or I will file for litigation due to the stress that you caused me.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023, we transferred {$18000.00} from our Chase business account ( for our law firm ) into our Chase personal checking account. On XX/XX/2023, transactions started being declined and when we reached out to Chase on XX/XX/2023, we were informed that the fraud department flagged our transfer and our account was frozen. After repeated calls to Chase as well as XXXX visits to different local branches, not XXXX person could or would give us a reason. Everyone told us that they had no idea why and that they were going to close our account ( again no reason given ), and send us a cashier 's check within ten days of the account closure. On XX/XX/2023, we were told a cashier 's check was authorized to be sent to us and since the amount was over {$5000.00}, it would be sent overnight. We did not receive the cashier 's check until XX/XX/2023. That day, we endorsed the check and deposited it into another Chase personal checking account. We were told everything was fine and that it would be immediately available funds. The next day, XX/XX/2023, the funds were still on hold and would not be released... again for no reason that anyone could explain. We spent over an hour on the phone trying to get help and finally someone was able to release the check. 
Unfortunately, because Chase delayed releasing our money for over two weeks, we missed payments for our cars, we missed payments for other bills and we had many automatic payments missed and we lived without income this entire time. Banks should not be able to do this with customer 's livelihood.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance Owed : {$920.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$280.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$420.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
Consumer complaint received 2023-07-22
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. (FL)

another STALL TACTIC!!!! i put in so many hours researching this information just for transunion to not look into it. please take my case seriously. if nothing get done with this round i will be suing transunion
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

XXXX XXXXXXXX. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue XXXX XXXX in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with XXXX  the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to XXXX XXXX.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

TIAA Bank erroneously reported to all 3 credit bureaus erroneous information about our account and it has hurt our credit scores. Our mortgage went into forbearance under the Cares Act because of COVID. Our last payment was for XX/XX/XXXX and it was made in XXXX of XXXX. On XX/XX/XXXX, TIAA Bank, the lender, erroneously reported to XXXX XXXX & XXXX that the account was closed. Our account is not closed. Second, the mortgage lender reported to the credit bureaus erroneously that payments are " late, '' are " 180 days past due. '' Third, TIAA Bank erroneously reported incorrect balance due amounts, showing a balance increase between XX/XX/XXXX and XX/XX/XXXX. Our balance has not and should not have increased. When we brought this to the attention of TIAA Bank and their servicer XXXX, they said it should not have been reported closed, should not have been reported late, and the balance should not have gone up. However, they have not corrected it nor have they responded in writing of their intention to correct the problem. Their erroneous reports have caused our credit scores to drop significantly. My husband 's score dropped well over 100 points and he went from being in the XXXX 's to being in the XXXX 's. My score dropped as well. We have filed formal disputes with all three credit bureaus but this has been incredibly stressful to have our lender file so many erroneous things during this pandemic when we are already suffering in forbearance. We were promised by TIAA Bank there would be no negative consequences to asking for forbearance but they have ruined our credit and caused us to spend many hours disputing it. Your help is needed and you need to know how this bank has treated us during this stressful time. Thank you.