davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

I have an health savings account with XXXX XXXX that is being charged a large monthly fee that was never disclosed to me. XXXX claims that I have a service agreement, but I never signed off and agreed to this. In fact when I left my employer, they informed me that there was no fee on my account. 

To continue collecting this fee, XXXX XXXX has made it very difficult for me to get repaid for my medical expenses. They have denied itemized bills and insurance bills. They have also NOT sent me a debit card to make it more difficult to access to my funds. 

I spoke with XXXX XXXX on XX/XX/XXXX about getting repaid for the fees and asked them about the debit card. They refused to pay me back the full amount of the fees, {$150.00}, and didn't offer to send me a debit card, even though the manager, XXXX, agreed that I have not used my account as XXXX XXXX has made it difficult for me to access my funds. I didn't even receive a XXXX tax document because I have not had access to my account. I don't know why I am even being charged a fee as no custodian services are being done that I should have received ( i.e. the debit card and approval of my medical expenses )? I can not move this account either, and feel that I am stuck. 

Is this the new level of American fraud and greed? Why is the US Government pushing health savings accounts, especially with these unscrupulous banks. When I asked XXXX XXXX why they are doing this, the manager, XXXX, replied it is because they are " for profit. '' So, making it difficult for me to access my hard earned money so you can charge me a monthly fee is not fraud? Especially, when you didn't even inform me about his fee?
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (TX)

I have two collections account reporting on my credit with XXXX XXXX XXXX both for past due XXXX XXXX accounts. Both accounts were paid in full not settled. Payment was posted and both collections are still being reported as " OPEN '' and open balance as past due. I asked if they could email a receipt of payment and they stated they could but have not.
Consumer complaint received 2022-11-30
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. (PA)

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MI)

I received a letter from American Cordaius International stating that I owe XXXX a {$30.00} debt as of XX/XX/23. I don't have a debt on my XXXX and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from XXXX but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (OH)

In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and PayPal stated that it was too late since the money was already taken out of my account. PayPal then drains my account and I had to end up closing my bank account connected to PayPal due to fraud activity. PayPal has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/2023 and told I need to respond my XX/XX/2023. I also can not login with my information on PayPal. I have changed my password and I am still unable to get into this account.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (CA)

I got a loan for {$1600.00} in XX/XX/2023. My payments are extremely high interest. So I decided I'd like to pay off quicker. Well I made a payment for over {$500.00} thinking it was paying down this loan. Then they took out a payment for {$420.00} so I'm thinking it's not much more to payoff. Now they re telling me I still owe until XX/XX/2023. I am XXXX XXXX and this is confusing for me. I feel as though I'm being taken advantage of. Please help..
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (OH)

In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and XXXX stated that it was too late since the money was already taken out of my account. XXXX then drains my account and I had to end up closing my bank account connected to XXXX due to fraud activity. XXXX has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/XXXX  and told I need to respond my XX/XX/. I also can not login with my information on XXXX. I have changed my password and I am still unable to get into this account.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NC)

I have reached out to Discover multiple times for MONTHS now letting them know that this account was opened via identity theft and without my consent but Discover mails me back a thick packet of transactions and billing statements which does not solve the problem of the account being open and still on my credit with a balance over {$3000.00}. This has horribly impacted my life for almost a year now because I am unable to get anything that asks for my social security number because this has not been resolved due to negligence on Discover banks part. I would also like to add that they have broken MANY laws by avoiding the problem. Hopefully, this will now be resolved so that I can move on with my life! Thank you.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (OK)

I was charged XXXX  of dollars to cover interest during the construction phase of the loan. This amount was included in my loan. However, I had to pay interest during he entire construction phase of the loan. Triad never credited me the interest that they rolled in to the mortgage. I tried reaching out and sent a document that outlines the charge as proof but I have not recieved any response or acknowledgement of the document or new issue.
Consumer complaint received 2018-04-12
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. (TX)

XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN XXXX: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (NC)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX6 XXXX XXXX XXXXXXXX, NC XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/2019 through XX/XX/2019 reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect, Status are incorrect on XXXX, Equifax, XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-06-17
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. (GA)

XXXX {$3000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-04-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well. 

I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I am submitting this complaint against Experian for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Delete this account for Violation and inaccuracy because the last paid date for XXXX  reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX a Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-11-30
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2022-11-30
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. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$6900.00}
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.