davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK (TX)

Mechanics Bank XXXX XXXX first called me to collect on an auto loan payment that was missed in around XXXX. When the agent called he did not properly verify who he was speaking to and gave all my information to someone who was not me. I spoke with two managers XXXX and XXXX about this issue. XXXX assured me he listened to the call and coached the agent stating the agent asked for the last name of the client and assumed since the last name was the same it was the correct person. I later spoke to XXXX who said he is a manger also and will handle my account. I received another call today XXXX at XXXX and AGAIN the agent from Mechanics Bank just gave all my account details and information to someone who was not me. When I got on the phone and advised the agent she began to get upset with me and stated she will get a manager. She placed me on hold for more then 5min with out checking back with me and I decided to end the call.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (MO)

I received a notification that i had a account in collections, it was originally from a hospital i received financial assistance from. I called them and they said they would contact the collector and remove it. I waited some time and contacted the collector, and the collector told me the account was being removed and to wait 30 days. I have waited 3-4 months and the account is still in collections, every time i dispute it, the creditor says correct balance, correct account, ect. Collector : Kansas Counselors Inc, XXXX XXXX XXXX, XXXX XXXX, ks XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

Our payments are paid automatically on the 1st of every month. They are stating that one payment was short by {$8.00} over 6 months ago which caused them to bill us a {$40.00} late fee. Since then, because of this added late fee it has caused our automatic payment to show short by about {$8.00} each month for over 6 months and each month they are billing us an additional {$40.00} fee. The fee is what is causing it to be short! This is predatory. We have now been billed over {$240.00} in fees because they are saying one payment was short by {$8.00}. We received no notification of this until a few days ago when we finally got a phone call saying our payment was late. Why did it take them over 6 months to contact us. Obviously, no one would choose to not pay {$8.00} so they could instead be billed an additional {$40.00} every month. Had they made this same phone call 6 months ago, we would have been aware and cleared the missing {$8.00} which would have saved us over {$240.00} in predatory fees. We contacted them and all they would do is waive one fee. This is ridiculous. The added fee 's is what caused the payment to be short we pay {$100.00} per month which is over our required minimum payment ; however, with them adding the additional {$40.00} fee each month that is what made our {$100.00} payment short by about {$8.00}. The added fee each month is what caused the payment to be short. So you are stacking fees on top of fees. had they never billed them or contacted us after the first one none of this would have happened. How can they get away with charging over {$240.00} in fees for an {$8.00} shortage.
Consumer complaint received 2020-10-01
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. (NV)

These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AR)

I put my covid19 government help into a paypal account and when I tried taking it out they banned me from pay pal and said they would keep my XXXX dollars for 180 days.i need this money and I've done nothing wrong to warrant this treatment.i assure you if I not want to ever use paypal service ever and wouldn't recomend them to my worst enemy.i would like to know why hasn't anyone from paypal go to jail cause from what I've read they do this to a lot of people and collect interest on their money. im losing my home my car cause of these people and no one will help me. you can't call them and you can't email them, what kind of business is that.o need your help, I'm on my last leg and if I'm not helped soon I fear it will be the end of my life.my wife and kids are leaving me cause I can't pay my mortgage so I have nothing else to live for ... .paypal single me out, why I know this cause they also lock out XXXX XXXX and my son XXXX XXXX.which my son had XXXX dollars in his and he transferred XXXX   to XXXX and that day they'll ked her out.anyone associated with me they lock out and kept their money ... ... PLEASE HELP SOON!!!!!!!
Consumer complaint received 2017-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2020-10-01
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)

XXXX XXXX XXXX Account NumberXXXX XXXX XXXX  Account NumberXXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TN)

I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company.

The document included shows my account has been deleted and disabled.

Goldman Sachs just now provided me with my account number.

This needs to be refunded 100 %!!
Consumer complaint received 2020-08-05
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My issue began several months ago when I attempted to take out a plus loan, but was denied due to TransUnion having a inaccurate report of an amount owed to a specific source, and when contacting said source they assured me that TransUnion was incorrect and had no idea where they were receiving this information from. However, after resolving this issue with TransUnion during the initial denial, dispute, ect. they assured me that the situation was resolved. I was also under the impression the issue was resolved due to earning the desired plus loan after my efforts towards addressing this situation. However, I recently encountered the same situation again at the beginning of this week when denied another plus loan for school due to the same exact faulty information that TransUnion allegedly corrected during the first instance of this situation with the incorrect information of me owing that same exact specific amount of money from that same specific source. Additionally, I have attempted to follow the same steps AGAIN to attempt to correct this issue, but TransUnion has been very difficult to work with, via their customer service representatives and their website frequently locking me out as well.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (FL)

on XX/XX/2024 I received my income tax refund check for {$180000.00} i deposited the check into my checking account with South State Bank branch location @ XXXX XXXX XXXX XXXX XXXX, FL XXXX. I was informed by the teller that my funds would be released on XX/XX/2024 and was printed out documentation stating that fact. on XX/XX/2024 I went into the branch to iniate a wire transfer for an investment that I have been waiting to make.I was informed by the banker that I had to come back the next day to get the wire approved by management. I proceeded to uitilize the funds that were available on XXXXafter two purchases I discovered that my card was closed and account frozen. I called customer service and was informed that the branch iniated the fraud hold. I went and spoke with the XXXX XXXX XXXX XXXX at the location and was informed that a fraud investigation was iniated by the bank and it would 30 days before my funds were released. This is a US Treasury check that I have been waiting MONTHS for. I deposited a valid check and my account is currently frozen and no exact date for my funds to be released.
Consumer complaint received 2022-11-09
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: LEXISNEXIS (MI)

I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to the Fair Credit Reporting Act ( FCRA ) section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report : Account name - XXXX XXXX XXXX XXXX  Account number - XXXX Balance - {$15000.00}
Consumer complaint received 2022-11-09
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: CORELOGIC INC (MI)

I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
Consumer complaint received 2022-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (GA)

I took out a credit building loan. I had a XXXX credit score never missed a payment. Yet this company dropped my credit score XXXX points and declining. They agree I haven't missed a payment. They say they can't fix credit.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

It all started in XXXX when I made my house payment to Bank of America on the XXXX, and it cleared my checking account on XX/XX/XXXX. They mistakenly applied the entire amount, ( including {$100.00} extra to principal, which I do every month ) to principal instead of house payment, Who in their right mind would make a {$1200.00} payment to principal and not make their house payment. I have tried the entire month of XXXX and XXXX to clear this up. I ended up making my XXXX payment over the phone, and getting a confirmation number because the local branch where I usually make the payment wouldn't accept it. I made that payment on XX/XX/XXXX, and it cleared my account on XX/XX/XXXX. I recently made my XXXX payment over the phone as well, and got a confirmation number because B of A keeps sending me letters saying that I owe {$2700.00}. Every time I speak with someone it is a minimum of an hour and a half on the phone, and they always tell me that it shows I have made my payments, but due to their error, they are not being processed correctly. I spoke with someone again this morning and told them they have until next Wednesday to clear this up or I would be contacting you.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (NY)

XXXX  has been contacted several times to investigate an error on my credit report. I contacted XXXX  directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company ERC representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX  from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

I currently have a credit freeze on my account as well as my wifes. I have attempted to log into my account for four months and continually receive an error that says they are temporarily unable to complete my request. I have called and used the phone service and it also says it is unable to verify both mine and my wifes dentity. When I was finally able to get someone on the phone, they reset the password on my account and I still get the same error. They claimed that no one else has complained about this error and they cant do anything and he wouldnt look further into my account and told me I would need to fax or mail a request to get the security feeeze removed. I do not have a fax machine nor do I have access to one and I am not willing to put all of my personal information into the mail for it to be stolen or mis delivered.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KS)

On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ). 
The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request. 
It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ). 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
Consumer complaint received 2022-11-09
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. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (NC)

I paid mint mobile on XX/XX/2021 for {$780.00} total for two mobile lines of service. On XX/XX/2021 XXXX XXXX claims they refunded my debit card ending in XXXX without my approval. They refunded it to the original form of payment. This debit card and checking account were closed on XX/XX/2021 due to our family relocating and the bank not having local branches. XXXX XXXX did not provide any receipts or invoices regarding the refund. They said I need to talk to my bank but BBVA USA says they have no record of any refund transaction even when I provide a transaction ID submitted by Mint. I feel my money is lost and they are requesting I pre pay for another year of service. I contacted my bank BBVA USS and they said they have no record of any refund. XXXX XXXX provided these tracking numbers. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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: BROKER SOLUTIONS, INC. (GA)

I have never given XXXX XXXX the Athorization to my XXXX Information, this agency is now on my credit report. 
Also New American I have not given then approvel to run my credit.