davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (CO)

I attempted to settle my account for the exact amount of {$500.00}, which was the original debt owed to XXXX. Initially, the employee persistently pursued a sum exceeding {$1000.00}, but eventually, they indicated the lowest they could accept was in the XXXX XXXXange, still exceeding the initial amount by {$200.00}. They asserted that they represented the credit union and that the credit union requested this payment. However, after confirming with the credit union, it was revealed that Knight Adjustment Bureau is a third-party collection agency, not affiliated with the credit union , and they had not received any settlement requests for this account. I requested both proof of debt and proof of the settlement offer, but these requests were denied. Additionally, when I asked for proof of settlement after making the payment, that request was also denied. Considering these factors, I have concerns that this company is acting dishonestly. 

I would like to settle this account and receive documentation regarding payment and settlement of the charges are valid.
Consumer complaint received 2023-06-16
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (FL)

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 : XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX 's Account # XXXX Account Name : 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.
Consumer complaint received 2024-03-27
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-08
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. (DE)

These are unauthorized inquiries XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, which I have not approved or given written permission to furnish in my credit report.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My wife tried to use the credit card to get some gas. It did n't work. She called me and asked me to call and find out what was going on. Yes, she is an AU on the card and has one. I called to find out that they closed the card. There were several reasons. The first was a returned payment. The rep that we initially spoke with to make the first payment keyed in the last digit wrong. So of course it came back wrong account number/nsf because it was n't our account. Once we realized the issue we paid it with our Debit Card. We paid  XXXX . So, when I spoke with the rep/supervisor, we were told that it was because of the account number being wrong, and because our payment was too high? I am like seriously? Who says a payment is too high that is paid with our Capital One 360 Card. It is ridiculous.
Consumer complaint received 2023-05-26
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 (TX)

I have {$1900.00} in my paypal.com account received on XX/XX/2023 from XXXX and can not withdraw it. 


I logged into my PayPal.com account to withdraw the funds on XX/XX/2023 and found that the account was being " permanently limited ''. 


I called to find out what happened and they told me nothing stating that if they told me then I would find ways around it and to read the terms and conditions on prohibited activity. I have done nothing wrong. I have used Paypal in accordance to the law. I use it to buy stuff. There is nothing unusual in what I have been buying for several years now. 

I was told that I needed to read the terms and conditions, I did, and I did nothing wrong and Paypal will not tell me what they say I did wrong. Paypal is wrong. 

I DID NOTHING WRONG and do not understand and want to know exactly what is going on. I have permanently lost the ability to have a PayPal account for no reason at all. They are just making up stuff. 

And I WANT ALL MY MONEY IN MY ACCOUNT TO BE TRANSFERRED IMMEDIATELY TO ME. 

Paypal is doing something very fishy and they need to be held accountable and I need to get my money NOW. They are illegally holding my money for no valid reason, using some excuse that there was prohibited activity. There was no prohibited activity as I have done nothing wrong. And they won't tell me anything either. They tell me I violated their policy. They are wrong! And they are wrongly holding my money. And they won't give it back. 

I want my money released immediately. 

-- -- - I received an email from Paypal.com on XX/XX/XXXX stating the following exactly : You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor. 

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-27
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: AMERICAN HONDA FINANCE CORP (CA)

AMERICAN HONDA FINANCE is reporting a late payment on XX/XX/2021 for a car payment I never paid late and always paid as agreed. I have contacted the numerous times to correct the information and I have not received any updates. its been months and this is severely impacting my ability to buy a house for my family... any help would be greatly appreciated!
Consumer complaint received 2024-04-27
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: De Lage Landen Finance, LLC (OR)

On XX/XX/XXXX, De Lage Landen accessed my consumer credit profile. On XX/XX/XXXX, a certified letter was sent to De Lage Landen notifying them of the unauthorized request, as this constituted a violation of my rights under the Fair Credit Reporting Act 604 ( 15 USC 1681b ), as well as a violation of my rights to privacy. I requested De Lage Landen to investigate and furnish the names, business addresses and phone numbers of those who initiated this unauthorized credit inquiry, as well as furnish a copy of the source document signed on my behalf so that I may verify its validity. De Lage Landen was advised if they found I was not the one who authorized this inquiry, I that it be removed immediately from my credit file, and to forward me documentation that the unauthorized inquiry was removed. If they found that I am in error, please send me proof of this. Finally, I requested an updated copy of my credit report, which should be sent to the address listed. De Lage Landen has failed to respond to my request.
Consumer complaint received 2023-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

So I paid over {$600.00} from XXXX to XXXX. Supposably my balance was XXXX $ according to represenative in XXXX. Now I called in to ask why my loan was XXXX $ They said well interest and I said XXXX a day equates to XXXX $ a month if that. That be XXXX $ in interest. $ XXXX $ add XXXX XXXX $ ok well cause its me add XXXX that is XXXX either way that is XXXX not XXXX XXXX Now lets think about this XXXX is XXXX. Move the decimal over one is 10 %. I learned this in 5tXXXX grade in my head. So what first mark is saying is I am being billed over 10 %? 

Also, this loan is half the original loan meaning you can't ask every month to be the same along with claiming I owe you XXXX a day. This was XXXX a day when I started loan. The loan is 2/3 paid off and it should emulate what is owed, However this loan should not be a loan except for a federal loan.
Consumer complaint received 2024-04-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

There was an unauthorized transaction made on my Cashapp card yesterday for XXXX to XXXX. My card was locked because anytime I have money on my card, I locked it. I dont even have XXXX downloaded on my devices. Im struggling as it is. Then this happens. I only had {$33.00} dollars to my name. I contacted Cashapp twice and they were not very helpful or compliant.
Consumer complaint received 2017-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of American has force placed flood insurance on my home. I have provide to Bank of America 9 years ago the Flood cert pulled on my home with my primary lender to show them I am not in a flood zone. They did nothing and did keep force Flood insurance on my home. I had finally in  XXXX    saved the extra funds to have an engineer per Bank of America to complete the LOMAR map update. The engineer completed a letter directly to my address per the information Bank of America stated I needed to not have force placed insurance. I completed and sent everything over to Bank of America in turn to be told I can have reduce forced insurance. I have been calling and each time I get a different person. I called and spoke to FEMA they stated as of the FEMA ACT of  XXXX  that my free standing shed and garage are not to have force placed insurance. FEMA told me to call back Bank of America as what they are doing to me is wrong. I this passed week was told by Bank of America that I need a letter from my home owners insurance agent stating I have no running water in my garage, no bedroom in my garage no bathroom or kitchen in my garage. I asked if they wanted the orginal appraisal they did on the home over 7 years ago last time they were in my house to show no running water. They stated no that get them the letter and they would review per the  XXXX  FEMA ACT. I have a letter sent in last week to Bank of America to stop the force placed FLOOD insurance on my home. Again my 1st. MTG. company states I do not need flood insurance. Bank of America equity line of 30K states I need flood insurance. this letter was sent over and I am waiting on a reply. I called FEMA and they told me I should reach out to CFPB for help as they could not understand why I have been treated this way. They did not understand why I needed to provide a letter as they MAPS of FEMA state and show I am not in a flood zone. I have spent money to pay for engineer and to file the LOMAR and I have taken off work to deal with this and I am getting no place with Bank of America trust me if I can afford to pay them off or to get my 2nd refi. I would I need help please
Consumer complaint received 2022-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

TIAA Bank, who's payment address is XXXX XXXX XXXX, XXXX, PA XXXX, took over the servicing of my 2nd mortgage on my home in Florida a few years ago. Every month I send them my on time payment at the beginning of the month, from Florida, in an amount more than the minimum due. The payment should reach XXXX in no more than 4 days. But every month TIAA does not credit my payment for 3 weeks. I send my primary mortgage payment to from Florida to California and my account is always credited in about 4 days. I telephoned TIAA bank on 3 occasions but received no satisfaction on the matter and they continue holding off on crediting my payment in a timely manner. The last time I called I asked to speak to a supervisor. When I explained the situation she responded in a sassy manner by asking if I wanted her to give me their California payment center to send my payment and offered no real resolution to the problem. Again, this month, I sent my payment before the due date and as of now the payment is still not credited to my account. I believe TIAA is holding off on crediting my payment in order to drive up the interest I pay on the loan.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.
Consumer complaint received 2022-11-29
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)

They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2022-11-29
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. (GA)

They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (DC)

I am requesting these inaccurate accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect and need to be corrected : 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 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I am being harassed by Equifax, they are intentionally showing payment status as unknown for accounts and adding information to my file that was previously removed. Equifax just added a tax lien on my report that was previously removed. The tax lien should not be on the file as the national consumer protection act requires that these items be removed. Equifax is working in concert with  XXXX  with the same type of behavior.
Consumer complaint received 2017-07-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (GA)

Consumer Portfolio Services calls me repeatedly several times a week, harassing phone calls which I have a number of save message from week to week. This has been going on since  XX/XX/XXXX . I do not have or owe this company any thing. I have asked on numerous occasion for the many different representative to stop calling me on a daily basis. I get at least 2 to 3 calls some times more during the each week. This has been going on for a minimum of 2 plus years no exaggeration. The latest calls were from   XXXX   XXXX  - XXXX    XXXX   XXXX   as of XX/XX/XXXX