davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (VA)

I transferred money to two recipients via paypal. After I transferred it, choosing the paypal option that does not charge fees, my recipients notified me that they received notification that they would be charged 4.5 %. I contacted paypal and they have walked me through a resolution. Since I disputed the event, they transaction would not go through to the recipients, but the money would be transferred from my bank to my paypal account and then I can transfer it back. This will take a full 5 days however. and in the meantime, my recipients will not receive their money until I reprocess the transaction. I am attaching a file that indicates what is wrong with PayPal 's workflow where an additional " purchase protection '' selection charges the RECIPIENTS a fee without disclosure.
Consumer complaint received 2023-05-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CA)

It was a medical emergency XXXX therefore fully covered by my insurance. I had a XXXX XXXX during XXXX and was not told about it noted in XXXX app. My husband wasnt notified of it either. Bill owed was claimed to be an out of network provider XXXX  operating on the same day did the XXXX. Therefore supposedly I owed for being out of network when bill clearly stated it was in fact my networks hospital my XXXX was performed. Now my records of my XXXX XXXX in XXXX XXXX have been removed from evidence to support my claim against their negligence of their actions in withholding information from the patients family.
Consumer complaint received 2022-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-07-07
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: MoneyLion Inc. (MS)

The person I talked to when I settled this debt told me once settled they would delete from consumer reports XXXX, XXXX and XXXX. That was in 2021. Since then Ive been constantly denied credit and now unable to qualify for a mortgage because of this settled debt thats showing on my consumer reports incorrectly.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (PA)

Two separate times I attempted to cash a check with the mobile check cashing. Now the checks were made out to my own family members and they just signed them over to me which means it's now my CHECK?! IT ALSO STATED pay to the order of and when I went to XXXX each time to make sure this feature was available and.each time.it stated yes. But it said for security reasons it couldn't cash it. Well neither of them for that matter. I have also had direct deposit threw them since XX/XX/2021. And I brang probable 6 clients for them. And yes for myself for the credits but and the checks in question are from the exact employer that I have had the whole time.and within a year I have never received a spot me of greater then XXXX $ but they advertise for XXXX
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

My checking account was closed by Suntrust Bank. In XXXX of 2019, I had {$7.00} in my account and my XXXX charge of {$8.00} was taken out of my account. When XXXX charge me {$8.00} I was in the negative by $ XXXX. I spoke with the branch manger who said she could not waive the {$35.00} fee at the time because they had waive one earlier that year for me in XXXXI called customer service fora better of how I they are charging me {$110.00} 1st : ( - {$1.00} ) 2nd : overdraft fee of ( {$36.00} ) 3rd : extended overdraft fee ( {$30.00} ) 4th : maintenance fee of ( {$7.00} ) 5th : admin fee of ( {$30.00} ) 6th : who knows? Total XXXX XXXX XXXX I still don't see how they charge me {$110.00} because this only equals {$100.00}. So, not only did they take my {$7.00} they turn my $ XXXX into a {$100.00} profit. WOW!!!
Consumer complaint received 2022-12-26
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. (FL)

The credit report agencies state that these accounts were properly investigated and came back as verified. however, is not true there's several inaccuracies showing in my report.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX  and Trans Union respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Consumer complaint received 2023-06-29
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Consumer complaint received 2022-12-27
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: LEXISNEXIS (MO)

XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

My rights have been violated several times.

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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 2020-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, in my bank account in Chase, there was an unauthorized transaction of {$400.00} through XXXX. I called as soon as I saw the notification on my phone saying I had sent all my money that was in my bank account to a stranger. I filed a fraud claim to the Chase Fraud Department  and they said I would get my money back through a check. Weeks go by and I hear nothing. I call in to see what is happening, and they say that my claim was denied. They said they had no proof or evidence that it wasn't me. At this point I was really stressed and frustrated to see that their security had failed to recognize any type of evidence that it wasn't me, because I knew that I had never done such a transaction, who would send all the money in their bank account to someone they don't know? They said there was NOTHING I could do. How frustrating is that? I went to the police station, I filed a police report because clearly someone had my information and was gaining access to my bank account to even be able to do that transaction. With this, I was hoping for them to be able to re-open my claim and allow me to get my money back. I called and I told them that I filed a police report and if I was able to fight for the claim to re-open, they said no. That left me with nothing else I could do but to write a report here.
Consumer complaint received 2024-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Specialized Loan Servicing Holdings LLC (GA)

Our XXXX  was transferred from XXXX XXXX in XX/XX/2013 to Specialized Loan Servicing. We received a welcome letter and then didnt have any correspondence from them for years. Now all the sudden we are getting matters stating our forebarence is about to expire. We never never offered any modifications or programs at any point, we never signed any documents accepting any programs or modifications. Our principal balance is {$78000.00}. We just got served or non-judicial foreclosure stating we owe {$160000.00} in principal, interest and fees. I have requested proof that the lender owns our mortgage and we keep getting the runaround. My question is, if I have been delinquent since being transferred to SLS in XXXX, why are they just now wanting to foreclose XXXX  years later. Something is not right. They are abusing debt collection laws in trying to grease their pockets with all these extra fees. This company needs to be stopped!! Please help
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (FL)

Starting XX/XX/XXXX, my credit report received a notice of a NON PAID DEBT currently in " Collections '' from a Company called Franklin Collections in XXXX, Mississippi which they reported as a " DEBT '' Owed XXXX XXXX XXXX. I have never lived in Mississippi. NOW, Franklin Collections is sending adverse information every 2 days to the Credit Reporting Bureaus in violation of Federal law related to " harassments ''. I filed a dispute with the Credit Reporting Bureaus requesting proof of debt, date debt was incurred and any other information related to this debt. Franklin Collections filed a false " certification '' of the debt to the collection bureaus and did not provide a copy of he " proof ''. XXXX XXXX XXXX does not have authority to even operate in Mississippi according to he Mississippi Public Service Commission. I am not aware of any amount due to XXXX XXXX XXXX. Company : Franklin Collections SV, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX. TEL : XXXX. There are numerous of Federal Law and I request you take federal ( Fair Credit Reporting Act ) action against this company as Congress has given you enforcement authority. The date of the debt is wrong as it shows the debt was incurred in XX/XX/2019 which is false and proof that the company violated federal law! There is no collection.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-14
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. (DC)

I am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely 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, and XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

LVNV LLC Funding ( I don't know what birthday they have on file, just know that it isn't mine because I provided that info when I called to try and resolve it & they said it was not what they had ) This is not my account. My wife and I already have a XXXX XXXX credit card with an exceptional payment history, have been in good standing with them for over 6 years and they have had updated addresses for us for billing purposes throughout our many moves during my current military career. 
Because of that, they literally have all proof they may need within their own system. However, the first few times I disputed this, I provided them a copy of my leases to show that I lived in a new residence and had already ended my lease at the billing address they had for this account.

Since then, they have continued to sell off this account to various collectors who have been hounding me ever since. With each one of them, I provide the same information and to smooth things along quickly, I simply asked for them to confirm proof of the debt to prove whomever signed for it, if there was any type of identification or paycheck or ANYTHING ever submitted as proof of identity and of course, no one does. They just push it off to another collection agency. It has affected my credit ever since and this is not fair, nor legal. I've disputed this several times with the same information through all of the main 3 credit reporting bureaus and all they do is respond and change the latest date of the " last missed payment '' to the recent month. Never an actual response or any changes other than that