davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (FL)

I am writing to file a complaint against Self Financial Inc. regarding an unknown debt that has been negatively impacting my credit report. Despite multiple requests for debt validation, the creditor has failed to provide any documentation supporting the claim. 

The presence of this unverified debt on my credit report has severely hindered my ability to obtain credit. I have been unable to secure loans for essential needs such as housing, education, or medical expenses. Furthermore, the negative reporting has negatively affected my living arrangements and overall financial well-being.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. ()

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to express my deep dissatisfaction and concern over the recent closure of my bank accounts with Truist, allegedly due to " fraud. '' Despite numerous attempts to obtain details and clarification regarding the nature of this alleged fraud, I have been met with vague and unsatisfactory responses from the Truist team both via customer service over the phone as well as with two branch team members I'd met with in person. I was never contacted to be notified that my account would be closed. I did not receive an email communication, phone call, text, push notification, etc. It wasn't until I tried to log into my account to check my balance that I realized my account was " locked '' and that I needed to contact customer service. Upon contacting customer service, no specific information was provided to substantiate the claim of fraud ( the rep just kept re-reading the same script he was provided ), yet my funds ( {$130.00} ) remain locked within the closed accounts. I also have a return that is set to get deposited back into this account for {$10.00} that will likely fail due to the closed account status. 

What is even more alarming is that my situation does not appear to be an isolated incident. There are numerous accounts from other customers who have faced similar closures without any valid explanation, with some individuals reportedly losing upwards of {$10000.00} as a result. They have submitted complaints with the XXXX, FDIC, CFPB, etc. In addition, it seems majority of the complaints align with consumers applying for a new checking account to take advantage of the sign-up bonus Truist offers. Shortly after, Truist will close the account. This seems incredibly suspicious because it gives the impression Truist does not want to honor the bonus they've already given to you ( by keeping your money ) or closing the account before the consumer has a chance to collect the bonus offer. This pattern of behavior raises serious concerns about Truist 's practices, as it appears that the bank is unilaterally shutting down accounts without providing any legitimate justification, essentially holding its customers ' money hostage. 

I believe that Truists actions may be in violation of banking regulations and potentially fraudulent on your end. Locking up customer funds without any legal basis or transparency is both unethical and illegal. Without concrete evidence of fraud, your institution has no right to withhold funds that rightfully belong to its clients.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 1

5 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

This involves two significant issues with paypal : XXXX ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the XXXX and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. 

XXXX ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX, who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from ancestry but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled ancestry charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by ancestry. In no case were they authorized to withdraw money from this or any other bank account. 

I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2021-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Credence Resource Management has not removed fraudulent XX/XX/20 XXXX credit inquiry from my credit report. Since it was not my debt, then I have and had no business with Credence. Also, note that as a result of my communication with Credence ( perhaps in retaliation to my complaint re their collection practices ) that I now receive 100s of spam emails weekly to my gmail account.
Consumer complaint received 2021-05-07
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. (CA)

I have an issues with Experian, XXXX XXXX XXXX  and XXXX. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closedXXXX XXXX is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4.XXXX  XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. Experian, XXXX  & XXXX  are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX  would add remarks and remove remarks and my FICO fell each time, from
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

On XX/XX/2020, I sent a debt validation letter to National Credit Systems Demanding that they provide me with debt validating documents. The company did not provide me with any documents with my signature validating the debt. I was not provided the contract between the original creditor and me that states that if I defaulted on the alleged debt I would be indebted to National Credit systems. They are not licensed to collect debt in Louisiana. I was not notified before they falsely reported the XXXX collection account to the credit bureaus. Also, I never spoke with the company and they were illegally drafting 100 plus dollars from my account from XXXX XXXX XXXX 2020. I never authorized those payments and I was able to recoup those funds via my bank. I also attempted to sue them in XXXX County Justice, since the company said the collection occurred there, however they refused to show up to court. I will not stop until this account is removed.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I have been Disputing a Debt that has been sent to Transworld System Inc regarding a payment for rent that I do not owe. I have one them proof that due to a change in staff and the apartment complex not being able to properly keep track of their bookkeeping, I do not owe this debt. They have admitted to making this mistake as this mistake almost made me go into eviction. Transworld continues to report the item on my credit report. They have sent me a copy of the rental agreement which is missing my signature, and it is not enough proof to continue to report this item as I have always paid up to date my rent.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (VA)

The lender for my mortgage is TIAA Bank. I filed my complaint originally with the OCC but was referred to your entity since the issue is concerning the management of my escrow account. 

I own a rental property in XXXX VA. The taxes are due twice per year. In XXXX and XXXX of each year. 

In XXXX of 2020 I transferred title from my individual name into the name of a trust. The city of XXXX recorded the transfer and later sent a bill for my taxes to TIAA. The bill reflected the taxes due fom the date of the transfer into the trust until the first half of the year. 

TIAA Bank thought the bill was supplemental in nature. As they explained to me a supplemental bill is not required to be paid by them since it is supplemental. The bill was not supplemental but was for the second half taxes. 

TIAA Bank failed to pay the taxes due in XXXX and did not pay them until XXXX. When they paid the taxes in XXXX they paid them for the past due half year and the current amount due. The city of XXXX charged interest and penalties of {$610.00} for the late payment on the first half taxes. 

I received my escrow analysis of my account. Included in the escrow analysis was a charge for {$610.00}. The charge listed on my escrow analysis was listed as " taxes ''. 

I called TIAA Bank and spoke with a customer service person. The person confirmed that the {$610.00} was for taxes and was not for penalties and interest. I called the City of XXXX after hanging up with TIAA Bank. The city of XXXX told me the {$610.00} was for interest and penalties for non payment of the 1st half taxes. 

I called TIAA Bank back and told them that I felt that they were being deceptive by telling me the charge was taxes and not interest and penalties. I told them that they are responsible to pay my taxes on time and they should pass their interest and penalities to me for their non-payment. They told me that the bill was supplemental and was not required to be paid by them. I believe that they are hiding behind words and are not taking responsibility to pay my taxes on time. I repeat that their practice of passing along late fees and penalties as " taxes '' is very misleading and is deceptive. 

They told me that they will not refund the money for the taxes and penalties. I told them that the City of XXXX sent them past dues notices for the taxes and insurance which they ignored until the interest added up to more than {$400.00}
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo mortgage closing on XX/XX/2015 property with United States Treasury involved. 

Remodification improper fees and Closing mishandled. Add on fees also improper. 

I had this FHA loan for around 15 years and during that time I had 2-3 remodifications recommended by Wells Fargo ( I believe and only remember two. ) This was around the time the market fell in 2008ish.

When I sold this property, Wells Fargo gave the title company the balance owed with two remodifications included to be paid and gave a " clear to close '' balance which paid off the two remodifications also. We then closed on the property.

Years later I received a letter from the US Treasury saying I owed on a remodification loan that was not paid at closing on the above property to them and I have 30 days to pay {$16000.00} or I will get charged a penalty of {$10000.00}! I thought it may be a scam since they threatened me when I called like a debt collector would, and ignored it until the did charge me the {$10000.00} penalty. They started garnishing my wages and garnishing my tax returns. So I called Wells Fargo and asked them to send all info on the loan. It seemed the accounting was correct, but I really didn't know how to read it. 

I want you to please check the charges on this loan and the remodification fees overcharged as Im not sure if Wells Fargo did not pay them to US Treasury at closing or if US Treasury was paid but did not credit my account. Another scenario is that Wells Fargo added another remodification to my account and forged my name. Otherwise, how would they get a payoff and " clear to close '' and the Title Company close on the mortgage? 

This has harmed me for years as I was a single mom and XXXXXXXX XXXX and they affected my credit where I could not buy another house and it has affected my and my children 's quality of life. Now I am receiving Social Security and they are garnishing from that check. 

Please help with the charges on the loan and let me know if I really owe this. How could they give a payoff with two modifications paid off and come back years later to tell me US Treasury didn't get paid on another after receiving a payoff from Wells Fargo and " clear to close '' at closing on this property? 

I appreciate the help so much!
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

I have received a bill payment from XXXX XXXX that went to Harris & Harris LTD ( debt collectors ). The balance was {$25.00} which was a mistake as they did not bill both insurances. I have dual medical coverage from my employer and my husband 's employer. I was advised by XXXX XXXX to provide Harris & Harris LTD with the medical insurance information as they have called in the past to insurance providers. I did just that, however was treated disrespectfully by the Harris & Harris LTD. Further, the {$25.00} bill has now turned into {$240.00} and they are demanding payment.
Consumer complaint received 2021-01-26
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. (TX)

I called XXXX XXXX today. XXXX  XXXX admitted fraud investigation was after cards were canceled and then charged off leaving a lump sum due of {$1700.00}. They then offered a lump sum payment as settlement. 
After XXXX, I couldnt afford a lump sum then and I cant now and that is why I was faithfully making my monthly payments with a mid XXXX score. Its all in record today with the quality assurance taped recording.
Consumer complaint received 2022-12-27
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. (TX)

On XX/XX/XXXX, I called XXXX bank to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.
Consumer complaint received 2021-05-10
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: CREDIT ACCEPTANCE CORPORATION (NC)

I have late payments in XXXX because of COVID 19. I was affected by it then the late payments reporting this year XXXX I have paid and they still reporting that I havent paid it but I have for those months.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes
Consumer complaint received 2021-03-20
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. (CA)

There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OH)

CONVERGENT OUTSOURCING # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.