davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (TN)

On XXXX XXXX I received a notice that my maturity date for my XXXX XXXX XXXX would be maturing on XX/XX/XXXX and my car would be taken due to failure of maintaining contract obligations. 

When I called to find out why my balance I owed was still {$4600.00} and I had 70 payments paid out of 72 at XXXX a month I asked how I owed that much and it was then I found out that my car when I first leased through them accrued around {$15.00} a day based off amount owed. When I spoke to them XX/XX/XXXX they said that {$2.00} still accrues based off the balance. 

Instead of owing {$1100.00} for my two final payments they sent a letter threatening action if the {$4400.00} balance was not paid off in full. 

I found out that it was a simple interest loan so I had interest based off my balance daily ( wasnt aware of this accrual ) and another accrued balance based off my balance monthly ( was aware of the 24 % APR ). 

I feel like I have been ripped off and that the contract shouldnt be legal because I was not aware of this ploy to pay not only a monthly interest but a daily interest on top of that. 

My vehicle should be paid off with the normal ( {$590.00} ) a month by XXXX ( 72 payments ) but it is not, I have to pay an additional $ XXXX dollars or so because of the daily accrual from the simple interest loan. 

Only reason I got this company was because I had such a bad credit score back in XXXX, at this point they are taking advantage of not only myself but many others as well, I cant be the only one. 

They should not be a company that does business with the public because in my opinion they prey on people based off their financial needs. 

They want to take my car to turn around and resell it to the next person with bad credit. 

Please help me and my family.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (FL)

Alltran Financial has been harassing me with phone calls almost every day. I do not have any defaulted debt so Im not sure why they continue. I have bought a house, numerous vehicles, and received a HELOC. If I had outstanding debt, these things would not be possible. They are attempting to collect a debt that is not mine and I do not want to receive communications from them any longer.
Consumer complaint received 2024-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (CA)

I was in foreclosure and submitted a loss mitigation packet in XX/XX/XXXX and again XX/XX/XXXX and the bank put me on a disaster forebearance due to fema declared disaster and my septic XXXX XXXX  and XXXX  the house. So the forebearance hold be a minimum 90 days or up to 2 years and once that ended the bank was to contact me to discuss loss mitigation options when forebearance ended. 
This cancelled or stopped the foreclosure on XX/XX/XXXX and no new date was scheduled. 
On XX/XX/XXXX XXXX XXXX served me at home with a 3 day quite notice and bought my house at an auction that never was scheduled or even took place possibly they just signed over the deed to him but regardless home transfer took place XXXX XXXX records on XX/XX/XXXX 5 days after 3 day quit, which should void that document and therefore unwind the entire unlawful detainer case. 
I was sheriff evicted after judge refused to hear my case 3 times but also was not approved as it was a non judge who preceding and I didnt agree this fake I contacted HUD for assistance and together we called m & t bank to find out how they could sell my house when I was actively seeking assistance with a completed loss mitigation package submitted and defaulted put on a disaster forbearance and violate dual processing laws and homeowner bill of rights laws they refused to provide any answers and said to contact their lawyer and we did that and after XXXX or so calls and messages of them not return the messages they declined to answer violating my rights even further and then there are no documents showing the details or sale of the property, there was no foreclosure auction schedule after the bank called the only one ever publicized on XX/XX/XXXX and the vet housing initiative paperwork says they purchased it on XX/XX/XXXX at a trustee sale that didnt exist was never publish, posted or told to homeowner or entered into any database, then the new foreclosure laws for XXXX should have denied a fraud felon as XXXX XXXX XXXX XXXX able to purchase at a foreclosure auction and also for the purpose of putting a XXXX XXXX XXXX  XXXX residents out on XXXX XXXX while the house sits vacant and with eventually be used as an XXXX XXXX and the homeowner is XXXX needing assistance living in her truck without restroom facilities or access to hygiene and her tenant who was XXXX with congested XXXX XXXX is denied even a hearing to stop his eviction and put him on the street and today hes in hospice care XXXX  XXXX  - there were so many laws violated and so much fraud from beginning to end that violated so many laws and yet XXXX by XXXX the courts judges lawyers kept letting this maniac who is actively in a FBI REAL ESTATE FRAUD CASE FOR {$9.00} XXXX keep going forward ruining lives
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

On XX/XX/XXXX I paid Harris & Harris {$990.00} from our HRA account and paid {$440.00} from my personal credit card on XX/XX/XXXX - that was the balance due in full. They have continued to call my husband and request {$990.00} - sometimes calling multiple times in one day. 

I returned all of their calls early on, after confirming with the HRA administrator that the amount was processed and " settled '' on the card as of XX/XX/XXXX. A rep named XXXX advised me to email supporting documentation of the payment, which I did. When I called back several times trying to confirm receipt, XXXX and other various reps would give me a different email address to send the documentation to or told me the documentation was not in the right format. I complied with each of their suggestions- sending in every piece of proof I have. I have attached the email thread and the supporting docs that were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The website that I paid through shows both of the payments as " processed '' on XX/XX/XXXX and XX/XX/XXXX in the transaction history ( also attached ), but they have continued making sporadic calls ( sometimes multiple times in one day ). 

On XX/XX/XXXX we received a written " tax season settlement offer '' dated XX/XX/XXXX to settle the {$990.00} for a lesser amount. That led me to research third-party methods of resolution and the CFPB.
Consumer complaint received 2023-02-17
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 (PA)

On XX/XX/XXXX my friend lent me money to go to my mother 's who lives hours away so I can help her because she recently had XXXX and she has nobody else. Well there was no possible way that I was able to get the funds off, so I sent the money back to my friend and she tried another way but it didn't work it required her to do some other things she did not have time for so she sent it back to me through this app. Now weeks before this I use this app or account with the same bank they're saying that I can't use now wants verified, I use this service and I was able to transfer money to my husband and then deposit the rest of the money into the account that I was not able to use on the XXXX of XXXX. So I did what they said I sent them the bank statements and everything they wanted and not good enough. But anyways let me backtrack again so I wasn't able to get the funds off and I needed it ASAP, and I read when I googled it what I can do to get the money off of the account was I could use a prepaid card debit card. So I tried that and everything I tried was declined. And then I tried to send money to my friend who has a debit card through this account and he was going to take it off for me then and give me the money. But that was declined and then my account became Frozen. I got an email from a girl named XXXX and she asked for documents that I sent them back in XX/XX/XXXX but anyways I sent the documents and to verify my identity, address and bank statements. I sent those on XX/XX/XXXX and I have not heard nothing back from her even though I messaged her many times, I called support I cried to them, I used to chat box, but nothing has been done yet. I can not get an email back from this XXXX girl. I've done all that was asked of me. I begged and pleaded because this is all the money I have to get to my mother 's. But no response and after calling customer support on XX/XX/XXXX I tried calling again the next day but got a message saying number was disconnected. This company which is Venmo wouldn't accept or let me use my bank account I was able to use weeks ago or anything I tried from the beginning with this money. I was supposed to be at my mom 's Sunday morning and because of Venmo she's been alone.
Consumer complaint received 2022-05-25
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: Experian Information Solutions 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 confidentially under 15 USC 1681. 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
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. (IN)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-02-17
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: U.S. BANCORP (NJ)

I have a hard credit check from US Bank on my credit report from XX/XX/23 that I did not authorize. It has impacted my credit score and I would like it removed from my report.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Since starting back in XXXX until last year XXXX ( last certified was sent on XX/XX/XXXX ) I have been trying to get TransWorld System Inc to provide proof that an erroneous debt that they are trying to collect on and has put on my credit report is indeed my debt by showing proof of a contract and not by validating with photo copies of a bill ( s ). To this day and as you can see from past complaints, they have still failed to provide the proof. I have sent numerous certified letters asking them for the information to send accurate proof and all they continue to send is a photo copy of a bill. They have this account in collection under their company in the amount of {$610.00} to this day reporting, but again can't prove that the erroneous debt in fact belongs to me. Providing a photo copied bill is not proof of validation anyone can do this with technology nowadays. It is a violation for TransWorld to continue to report after without being able to provide the proof after a certain amount of time and continue to report to the Bureaus without the proof.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Denial of promotional bonus. 

Opened a checking/savings account combination under a promotion which promised a bonus after certain activities were met. 

I met all the activities yet the company refused to credit the bonus. 

The company admitted that I qualified for the bonus in an online chat but then when I created a case to look into why it wasn't credited they sent a letter saying I didn't meet the conditions. 

However I did meet all the conditions and I have the statements to show it.
Consumer complaint received 2024-03-14
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It was XXXX XXXX 2023 that I was scammed with the " XXXXXXXX XXXX '', where the scammer claimed to be hearing impaired and could only communicate through text. The scammer wanted artistic services and hired me. She sent me various checks with high amounts that we didn't agree upon and when I took the right one to deposit, it bounced and the bank is sending it back to me. The scammer tells me to send them half the money back because the project was cancelled and they needed the money immediately. I didn't know it was scam until it was too late. I had sent {$3000.00} to the scammer via XXXX through a relative 's account between the dates of XXXX XXXX because I didn't have the money to pay.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (GA)

In XXXX I paid XXXX XXXX XXXX XXXX  {$460.00} which paid the account in full. And XXXX XXXX XXXX sold the account to LTD ACQUISITIONS LLC who placed the paid account on my credit as a collection on : Last reported XX/XX/XXXX XXXX
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (FL)

I HAVE TRIED SEVERAL TIMES TO GET PAYPAL TO REVERSE A TRANSACTION WHERE THE PAYEE NEVER ACCESSED THE PAYMENT OF XXXX 2022 I REQUESTED PAYPAL TO SEND {$300.00} TO SOMEONE ( XXXX ) AND THEY NEVER GOT THE FUNDS AND I ASKED PAYPAL TO REVERSE IT THEY SEEM NOT TO UNDERSTAND AND HAVE CHARGED MY LINE WITH THEM FOR THE TRANSFER AND INTEREST CAN YOU GET TO THEM TO MAKE THE CORRECTION?

SECONDARILY IT SEEMSVTHAT THE LINE REQUESTED FROM PAYPAL IS RUN BY SYNCHRONY BANK AS A CREDIT CARD ADVANCE AVAILABILITY AND I AM CHARGED CREDIT CARD RATES BUT WAS NOT PROVIDED A ACTUAL CREDIT CARD VERY ODD .... THANK YOU
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NM)

XXXX cable claims I owe a debt that is not mine. I have received XXXX communication from them other than it popping up on my credit report. I cant get ahold of them without an account number which I do not have. Two of the credit bureau have deleted the debt but XXXX  claims the debt was verified. I honestly feel held XXXX by this. The debt is for {$300.00} and has been posted to my credit for over two months. The cable company doesnt even service my area and I have never had service with them. I have received nothing trying to collect the debt I dont owe but it adversely affecting my credit. I have not missed a payment on anything in over 20 years but here is a XXXX debt being extorted from me.
Consumer complaint received 2023-03-04
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: Amsher Collection Services, Inc. (CA)

XXXX XXXX Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
XXXX XXXX has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-28
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account Names & Numbers 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 XXXXXXXX
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made two XXXX transfers ( XX/XX/2023 {$800.00} and XX/XX/2023 {$600.00} ) from my Bank of America account. I was charged four transfers ( {$800.00}, {$800.00}, {$600.00}, {$600.00} ). The party I transferred funds to confirmed with their bank that they only received two transfers ( {$800.00}, {$600.00} ). I filed a complaint with Bank of America on XX/XX/XXXX and XX/XX/2023. Bank of America notified me in writing ( XX/XX/2023 ) that they have completed their review and are unable to approve my recent claim.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I was XXXX XXXX XXXX and XXXX from late XXXX to XX/XX/XXXX. During this time one of my AMEX accounts that was not on autopay fell behind. When Amex called after being a few days late I explained what was happening. They did not give me an option to enroll in any relief. As my condition worsened they continued to call 10 times daily and my wife answered and also tried to explain but since i was not able to speak to verify due to XXXX XXXX XXXX. My wife also emailed them and attempted to complete online. In XXXX after my health improved after recovering from XXXX i contacted AMEX. They did remove some late fees but refused to remove negative impact on my credit report and also lowered my credit line both of which caused my score to XXXX.