davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXL XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CASH AMERICA INTERNATIONAL, INC. (SD)

I got a call from this company on XX/XX/2018 and a text message on the same date and this company has told me that I will be served with papers and I have tried to tell them that I never received any paperwork in regards to the loan and that I have no phone # to get in touch with them unless they call me. I have received no emails in regards to getting any paperwork from them. They are making threats to garnish my wages and will not send me any paperwork. 
I also believe that this is the company that hacked into my bank account and stole money from both my savings and checking account.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Consumer Statement disappeared from my Transunion credit report. I was trying to update it using their website dispute management section. 


We understand that it is our legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. And that the consumer statement will appear on your credit report and be viewable This dispute deals directly with an ongoing complaint that we have been having with XXXX XXXX XXXX, and their refusal to delete information on the TERMS of our loan that they have not been able to support in our loan documents. I have already an complaint dealing with this same matter, that was distributed to all three of the major credit bureaus. They refuse to remove very negative changes to our mortgage account, that they use in a very predatory manner. So far, and because they have not been able to support the wrongful information. XXXX had informed me that they have deleted the entire account as a solution to the very negative information they refuse to remove. We are pleased with XXXX solution to the three bureau complaint. But has noticed that Transunion has since become the main bureau that allows the negative information to remain on our credit reporting.
Consumer complaint received 2022-04-11
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. (TN)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
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: Exeter Finance, LLC. (AR)

Exeter finance is stating i had an account opened XX/XX/2020 and it is a derogatory account. They they have changed the on time payment amount 2 or 3 times in the past month which has caused me to lose over XXXX points on my credit profile. i have previously disputed this account and sent a method of varication and they never got back to me.
Consumer complaint received 2022-04-11
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. (GA)

In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXXcct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states 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.

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. states, I have the right to privacy.
Consumer complaint received 2021-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-08
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)

In XXXX of XXXX my Husband and I filed for XXXX XXXX  XXXX  We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Debt Collection From MIDLAND CREDIT Management trying to collect debt from me that I have no knowledge of. I am not liable for the debt that MIDLAND CREDIT Management claim I owe. I also stated that I do not have a CONTRACT with MINDLAND CREDIT MANAGEMENT that shows I owe money to MIDLAND CREDIT and they have no right to keep calling my phone number which I stated that I do not want to recieve the phone call anymore. I also request my Collections to be removed off my account since they can not PROVIDE me with " DEBT VALIDATION LETTER ''
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX. has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2022-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX. has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2021-05-14
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 (VA)

I've been using PayPal to invest in XXXX, namely XXXX and XXXX. My investments are currently around {$7000.00} in XXXX and {$3000.00} cash. On XX/XX/XXXX I added the {$3000.00} cash to my PayPal from my bank account, and my account was promptly frozen. They asked me for documentation which I provided. Days later I got an e-mail saying I am permanently blocked from using PayPal and I can not access my {$10000.00}!!!!!! Please help me, I did absolutely, positively nothing wrong and I feel that I am being scammed out of a large part of my life savings. Doing some research online I found troubling stories from thousands of other people, going through the same problem. There have even been 3 class action lawsuits against PayPal for this exact reason. It seems that PayPal does not care that they are holding people 's life savings away from them for no reason whatsoever. They need to be punished for the people they have hurt! To see the thousands of horror stories one needs only XXXX search " paypal permanently limited 180 days ''
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: CCB Credit Serivces, Inc (GA)

My car was recently repossed by XXXX XXXX XXXX. They failed to allow to me to pay the past due amount in order to have the loan reinstated and to have my vehicle returned to me. I called repeatedly to speak with the collections department but I was told everytime that it could take up to five business days before a decision can be made regarding reinstatement of my loan. In additon if the balance was not bought current within five business days the car would be sold at auction per XXXX XXXX XXXX rules and regulations. I recnetly received a notice from XXXX XXXX XXXX regarded the sale of my car dated XXXX XXXX, 2015. It stated that the remaining balance was {$10000.00}. The letter also listed questionable fees and expenses related to the sale of the vehicle. I contacte XXXX and requested an itemized breakdown of the fews listed : Tranportation ExpenseRetaking and StorageRepair and ReconditioningXXXX refused to provide me this itemized report and stated that by law they did not have to provide me with any documents related to this car, but they cointinued to request that I pay the balance due. Over a period between XXXX XXXX and XXXX XXXX, 2015 I have repeatedly made request for an itemized statement, but XXXX refuses to provide me with XXXX. I feel if I am to pay the remaining balance then I should be provided with a breakdown of all fees assocated with that balance. 
In retalation to my request for the statement XXXX has now begun to call my employer. Since purcahing the car I have changed employers and XXXX did not ahve my current employers number. Today around XXXX I received a call from a collection representative from XXXX XXXX XXXX payment. The individual was very rude and made gestures as to taking legal maters if payment was not made today. I tried to request that the individual not contact me again at my emplyer but they stated that they will continue to call until they get there money.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act these accounts has violated my rights. 
-XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them XXXX 


15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is getting ridiculous. This account is not mine. Portfolio continues to report this to the credit bureaus and does not even have the information to provide me. The letter from the creditor dated XX/XX/XXXX shows this was for a LOAN. I have never had a loan with XXXX. Every response the send me is the same information over and over again and nothing new. They provide me with statements that show between XX/XX/XXXX - XX/XX/XXXX nothing at all between XX/XX/XXXX - XX/XX/XXXX. That is 4 months of missing with nothing to show. How do I know there was not a payment, how do I know that the account wasnt closed and paid for. Also if this says for a LOAN on the letter why are they sending credit card bills. No charge off the bill showing when it was truly charged off. 
This has been going on for months. They dont even have my full social security number. They dont respond to my disputes in regard to what I am actually asking for and just keep sending the same generated responses. 
If this account isnt immediately removed I will file a lawsuit for defamation and harassment. I have had enough. 
NO purchase agreement, principal on the letters says XXXX and they are asking for XXXX. I also never have had a loan. Never got a letter from XXXX or anything from my portfolio until I started to dispute the charge.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MO)

Binance.us arbitrarily deactivated my account and I am not sure if any funds remain in it -- I have a times had six figure balances there, so I need to get it to verify the value of my account and get any remaining funds out. Second, I need my transaction data so I can do my taxes. This company is a fraud, others have had this happen to and there is no one to contact. They are ripping off consumers. Please help, I only need access to verify my funds are cleared out and to get my transactions for taxes. Thanks, XXXX XXXX XXXX is the email chain with Binance, I have tried before and they just go silent and never respond ( note newest message on top, original message at end ) I wrote : XXXX XXXX, 2022, XXXX PDT Filing a complaint against Binance.us with the Consumer Financial Protection Bureau ( CFPB ). I expect a response to this matter and to gain access to my account to get transaction data and verify no remaining funds. Binance.us is committing financial fraud. 

No Response from Binance I wrote : XXXX XXXX, 2022, XXXX PDT I need my transaction data, where do I get it. And how do I verify that there are no longer any holdings in my account and that Binance.us isn't just stealing my funds? 
Please advise. XXXX XXXX XXXX No Response from Binance I wrote : XXXX XXXX XXXX XXXX PDT I do not understand. I have no ability to get into my account to even check for account balances or to get my transaction data to complete my Federal and State Income taxes. You are not abiding by the law, I have rights, you have obligations. I will seek remedies and turn your over to the SEC, and the DOJ if this is not immediately resolved. XXXX XXXX Binance wrote : # #- Please type your reply above this line - # # Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use Binance.USs services. 
We have closed your account due to a violation of our Terms of Use ( https : //www.binance.us/en/terms-of-use ). Our decision was based on numerous factors, including but not limited to our commitment to abiding by all Federal and State laws and regulations, as well as adherence to our own policies and procedures. Unfortunately, we can not elaborate on why we have made this decision. 

Please note you have XXXX hours to withdrawal any account balance remaining on your account. Thank you for your understanding. 
This email is a service from Binance.US. Delivered by XXXX XXXX XXXX ] I wrote : XXXX XXXX XXXX  XXXX PDT I have been locked out of my account for some time now and put in other requests to restore my credentials. I have need to trade and also need access to my transaction data for taxes. Please advise asap, I need to do my taxes. I can be reached at XXXX or XXXX. Thanks, XXXX XXXX
Consumer complaint received 2021-05-14
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 (IL)

PayPal close my account for no reason soon as I receive {$700.00} in my PayPal they close my account I tried to appeal and try to fix it but requested got denied i have to sue PayPal to make them get me my {$700.00} I cant wait 180 days I need to pay my credit card and other stuff so if me and PayPal cant to agreement I have to take PayPal small claims court
Consumer complaint received 2022-04-11
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. (IL)

Today Sunday XX/XX/2022 my significant other was helping me to apply for a job online for a postal Service ( XXXX XXXX XXXX  ). The information said that I was to pay for a registeration fee of {$38.00} along with a processing fee of {$9.00} totaling to a full fee of {$47.00} and that if I did not get the job I would get refunded double the amount. I put my information such as my name, address, email and card information in and applied. The charge was taken from my Chase Bank account at around XXXX pm. After a couple of hours later at around XXXX pm my significant other called to tell me to wait to apply because she wanted to do more research on the website and application because it could be fraudulent but I told her I already applied and that she should have told me a bit earlier. I locked my card on the Chase Bank app. At the moment right now I can not dispute the transaction do to the fact that the charge is still pending even though the charge was taken out of my account. I tried to call my Bank but at this time of the day no one is on duty so I have to wait until tomorrow.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

My bank, TD Bank, keeps holding my paychecks until the end of the next business day and charging me {$35.00} for any debit to my account that is n't covered because they are holding my check. For example, this past week, I deposited my paycheck of {$2300.00} on Saturday, and it cleared and was credited on Monday, making my balance {$2700.00}. My rent check for {$1000.00} also hit the bank and cleared on Monday, as did a loan payment of {$300.00} to my mother. However, the bank charged me {$70.00} - XXXX overdraft charges of {$35.00} each - saying the rent and loan payments hit the bank before the paycheck was credited. I believe this is illegal, or at the very least, dishonest and predatory. I would like them to credit me with the {$70.00} - and with the {$35.00} they charged me last pay period for the same nonsense - and stop doing this.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TN)

Debt has been paid since XX/XX/XXXX but is still reporting to XXXX as unpaid and has only updated as I only paid {$1.00}. I have gotten in touch with company and they keep saying it should have updated. But the only update I have is a {$1.00} dollar decrease
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My XXXX XXXX XXXX  that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.