davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC (TN)

Friday XX/XX/2023. I received 5 calls to my job and a voicemail all within 20 min time frame ( they know I cant have personal calls at my job and had asked them not to contact me there before ) from Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX to let me know my account was 6 DAYS past due after they had called my cellphone 3 times and left me a voicemail to also return their call because my account was past due 6 days. I understand if my account wouldve been 30 to 60 days past due but I was literally only six days past due and they contacted me multiple times within one hour.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (CA)

Last XX/XX/XXXX, I transfer {$1500.00} from my ally account to my external account XXXXXXXX XXXX. Then I received an email from XXXX XXXX that Ally filed a transfer dispute on my behalf without my knowledge and caused my XXXX account to be closed. I asked Ally bank the reason for doing that without informing me about the dispute. Ally bank said that its their responsibility to cover the funds since my account was overdraft last XX/XX/XXXX. As far as I know, they can only cancel the funds transfer if the account holder made an error but in my case, i did not made an error because I already got the transfer to XXXX XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went to check my account and I couldnt get in my online account and I tried to change the password and it wouldnt let me so I called Bank of America and they said theyre closing my account. Why??? The lady doesnt even know but Bank of America randomly decided theyre going to close it.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC (NY)

XX/XX/2023, XXXX from this establishment told me i have been approved for XXXXXXXX XXXX  down. I provided my application XX/XX/2023. Today XX/XX/2023 this same establishment called me multiple times, after i have enrolled in the DO NOT CALL database. XXXX XXXX the XXXX tells me i must put XXXXXXXX XXXX  down and insists that the bank requires this, which is false. His calls are recorded and he violated my rights according to the CFPB FTC & multiple USC codes. This establishment ran my credit over 3-4 times and still denied me to push forward with my application due to tactics of a bigger down payment. Fully discouraged me from pursuing my right as a consumer and receive my vehicle.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

I opened my acct last wed the XXXX of XXXX using my proceeds from my mother 's life insurance. It was deposited into the acct on XXXX the XXXX of XXXX. Friday XXXX XXXX I saw my online app was locked so I called them and they are very rude tellin me that my acct is under investigation and will not tell me where my money is or how I can access it. One boy told me that the chk hadn't cleared which yes I waited for it to do so. And then the next told me " how am I so dependent on an acct that has been open less then 10 days '' I said excuse me that's none of your buisness. And nobody will tell me where my money is. I feel like it's bein stolen! Its alot of money and very upsetting because it was from my mother 's death! I opened the acct with Ally bank
Consumer complaint received 2020-03-17
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: ID Analytics, Inc. (TX)

I have tried to freeze my Sagestream account with no success. I have followed all of their online guidelines and called, left 2 messages, and sent 2 letters certified mail requesting a security freeze but have not gotten a response back. It has been 4 months,
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2023, BOA ran a hard inquiry on my personal credit report with XXXX. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.
Consumer complaint received 2020-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from Toyota motor credit and XXXX  XXXX none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
Consumer complaint received 2018-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called Transunion on XX/XX/2018 at XXXX  CST and spoke with XXXX their representative. I explained to XXXX that I knew about the companies breach and that their were inquiries on my report that had been removed and are now back. I also stated that under the FCRA sections 6 and 11 anything deleted can not be reinserted without my consent and or knowledge, he in turn said he would not remove them. There are several inquiries
Consumer complaint received 2022-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (SC)

i have several situations with truist first I had a chargeback with XXXX they refused to file for a month after they stated it wasnt a chargeback its a merchant dispute refused ot give a temporary credit, until i spoke with XXXX and they sent me back some of my money then truist refused to accept the payment that i worked out thats when they tried to act like they were so with the customer but refused to give me a temporary credit then, as i spoke with XXXX i cancelled the chargeback yet truist refused to notify them so XXXX would not return my money becasue truist made me look like i was trying to get a chargeback and negotiate with them, so i had to refile the chargeback... Next situation I went to XXXX XXXX two different times both times the atm dispursed the wrong amount gave me {$100.00} less than than the transaction i made, once i tried to get {$300.00} and the atm gave me {$200.00}, next i tried to get {$200.00} and the atm gave me {$100.00} filed both claims at he same time, both claims the gave me a provisonal credit, 2 days later denied one of them not even researching the issue, I asked for a information on how they came to a resolution yet they will not provide all they say is Truist came up to a conclusion the transactions were not in my favor i asked them to provide documetnation yet they refuse to provide any useful info on how they made their decision all i get is hung up on and disrespected by agent superviosrs and lied to about they have sent me this info they deny claims withough any proof.. 3rd situation i was been billed for 4 months through a auto insurance after they cancelled me i notified truist they did nothing finally a the recurring charges stopped in XXXX, I emailed agents in their department showing them they had been cancelled me yet they still deny me of the claim, and they have yet to complete any of the claims within their timeframe they will not creidit your account instead they will hang up on you and treat you less than a human and it is bad when you call the branch and they treat you the same way like who cares is the action they display to their customers who they treat like we are the XXXX and that is sad once i find a greediest lawyer I can if Truist dont start treating my issues like they treat those rich people issues cause this is a scamming hateful bank and I gave them all the info to every situation as i will have in the attachments stating that they cancelled me yet Truist still finds a way to deny the claim that sad
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

Advance America, Cash Advance Centers XXXX XXXX XXXX XXXX On XX/XX/XXXX, 2023they experience temporary systems outage affecting their cooperate network. Became aware of the incident and immediately launched a investigation. Third- party cyber security experts further investigate what happened and determine that an unauthorized actor accessed or acquire certain business record on the company network. They also reported to law enforcement. I XXXX XXXX Also file a police report on this issue XXXX XXXX when I became Aware of this information. The business discover the review show the individuals whose information was contained in the record review and determine my information was included in the records includes my social security and drivers license or state ID number
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-11-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

Complaint Number XXXX Correction : The Correct Number on the BJ 's Perks Mastercard A.K.A COMENITY PerksMastercard the right Account Number is XXXX XXXX XXXX BJ 's Perks Mastercard is Closed.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX I competed in an amateur boxing event with XXXX XXXX called XXXX XXXX XXXX. I won a {$500.00} check for 3rd place in the ring girl contest. The written amount on my check was different than the dollar amount due to a printing error at the event. The check was supposed to be for {$500.00} and the written amount confirmed that, however the dollar amount was {$2500.00}. I deposited the check for {$500.00} and not {$2500.00} via mobile deposit on XX/XX/XXXX. On Monday XX/XX/XXXX, I called chase to ask when my funds would be available and I learned that my account was restricted because they could not verify the amount with the issuer due to the phone number not being verified for the company. I sat in limbo trying to figure out how to fix this situation. I was finally able to obtain a number for the president oXXXX XXXX XXXX  to link him to the company. Chase called and verified the check on XX/XX/XXXX. However, by XX/XX/XXXX I was still unable to use my debit card or have access to any of my money in my account. I called chase again and they informed me that they lifted the restriction from my account and to give it 1 hour for it to update. I waited an additional 3 days and there was still no change to my account. By this time I had reached the total allotted time allowed for a restricted account and chase closed my account even though the check was verified and paid out by the issuing bank. 10 days after XX/XX/XXXX Chase was supposed to cut me a check for the remaining money that was left in my account, as of XX/XX/XXXX I still have no received a check. I called chase once again and they told me that the money is being held and I have to go to a branch and bring to forms of identification. This is unacceptable because I was previously hung up on by a manager because I was angry that I wasnt able to go to chase to get my money and that I had to wait for a check. Now there is no check and chase is trying to keep my funds. This bank should be disbarred from managing anyones funds.
Consumer complaint received 2022-12-13
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

According to 15 USC 161a2 these companies XXXX XXXX  XXXX {$590.00} XXXXXXXX XXXX XXXX  XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upgrade, Inc. (MT)

I accepted this credit card about 2 years ago and have never used it but about 3 months back they started telling me I owned them {$5.00} and now {$15.00}. I have talked to them several times and asked them to cancel, but they just keep adding {$5.00} each month.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

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
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (WI)

Preface : The matters outlined herein delve into the multifaceted intricacies of financial transactions and roles. For a holistic understanding and apt resolution, we recommend that this complaint be scrutinized by personnel possessing a deep-seated knowledge of financial nuances. 

I. Issue 1 : Mischaracterization of Roles. 

Description : PayPal has inadvertently conflated the roles, erroneously designating the complainant as the principal debtor when they are in fact a third-party surety. This error breeds confusion concerning the distribution of responsibilities between PayPal and the genuine obligor. 

II. Issue 2 : Ambiguity Surrounding Financial Instruments. 

Description : While the mainstream perception is that entities like PayPal proffer credit to be repaid subsequently, in a specie-devoid economy, a plethora of negotiable instruments exemplified by securities like T-bills, commercial paper, money orders, CDs, drafts, cheques, and bank drafts can be liquidated. Although this practice might align with current regulations, its underlying intricacies have been obscured, potentially leading to misinterpretations.

III. Issue 3 : Nuances of Security Interest and Subrogation Rights.

Description : PayPal retains a security interest as per the agreement. Ideally, this interest should actuate the settlement of the principal debtor 's obligations through assets, notably securities, from the debtor 's estate. Moreover, the right of subrogation, which may allow the third-party surety to substitute certain rights in lieu of PayPal after addressing the debtor 's commitment, remains ambiguously defined. This pervasive security interest, active irrespective of a default, suggests unforeseen implications for the surety, particularly concerning potential subrogation rights.

IV. Issue 4 : Comprehensive Transparency in Investment Reporting.

Description : While PayPal engages with a myriad of financial instruments, its disclosures during stakeholder meetings seem to lack granularity, prompting a more in-depth review. 

Note on Prior Communication : Engagements have been initiated with PayPal 's legal department about specific unfavorable conditions in the contract, especially the clause conferring them a security interest. Though a direct alteration to the contract was deemed infeasible by PayPal, an appeal for a mutual equitable arrangement was proffered by the complainant. A conclusive response to this proposition remains outstanding.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following inquiries were done without my written authorization or consent 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