davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

I received a flyer in the mail with my name on it saying I was approved for loan. My car broke so I went into The Cash Store on XXXX XXXX on Texas. I went in and she said your approved for a {$1000.00}, I had to bring proof if my Social Security. She drew up the tags loan documents, you know as your signing upu don't read it all, I admit thus was my fault, She did say there is an advance of {$340.00} that we will have added to your loan. I left the the money wad deposited on my account. she also took my banking infand debit card information, said tje payments would come out in the 5th. The second mo th they started calling a lot and texting me saying your loan is due are ypu coming in to pay. I thought you were taking it out of my account That's when I started really looking at this thing. So the Cash Store was the loan company but they got a loan from XXXX XXXX which was pn the paperwork, also Cash Store is owned by Cottonwood Financial Okay I did receive disclosures to sign prior to signing the Lao agreement. my son was with me he will attest to this. TGE CashcStore isn't a lender but the advertise loan 's. Cottonwood Financial is a CAB credit services company, and Cash Store I guess is linked as one of Cottonwood Financial Companies, in order to client up front XXXX  's there must be a surety bondvon every location doing business this is where they hammer you They added {$34000.00} to my loan so they fir {$340.00} : upfront fir getting me the loan, thier service agreement is all mixed is so you don't realize it but niwvI am paying Tha APR on there advance money. The they said was 345 % it really was 545 % and they lied about and Cash Store isn't licensed running out if time it say
Consumer complaint received 2019-11-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2023-01-26
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. (DE)

In Accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than. Records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Exactly 18 months ago, I opened a XXXX Capital One credit card with a 0 % promotional APR for 18 months. For the past 18 months, I have been paying down the balance of my credit card in equal installments to ensure no interest was charged. As my last billing cycle closed in XX/XX/2022, I paid off the full remaining balance of ~ {$1600.00}. On my XXXX statement, i was charged about {$30.00} in interest. However there was no balance to apply any interest to. Furthermore, my interest rate of 22 % doesnt mathematically correspond to the interest amount charged. I attempted to resolve the issue with Capital One customer service and they suggested I pay the interest this time and I wont be charged interest again,
Consumer complaint received 2022-08-18
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. (WI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 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 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (VA)

I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NJ)

Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX  NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days. I also used someone's refer ( XXXX XXXX with account no XXXX ) and each of us would get an additional {$50.00}. However, I met the requirements but I don't see either the {$200.00} or the {$50.00} referral bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.
Consumer complaint received 2020-09-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I entered into a temporary loan modification agreement with Carrington Mortgage. I received the final Loan Modification Agreement dated XX/XX/2020. They gave me until XX/XX/2020 to have the documents executed and returned to them. In the documents a balloon payments of {$40000.00} was indicated in agreement. However, the a balloon payment breakdown was not included. 

Two weeks to have the documents reviewed by legal aid was not adequate considering COVID-19 closures and face-to-face restrictions. My state of residence, XXXX XXXX, has been on a stay at home order since XX/XX/2020. Governor XXXX just recently moved the State to Phase 2.5. 

https : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a breakdown of the balloon payment but have yet to receive one. I spoke with a representative from Carrington Mortgage on XX/XX/2020, however, I was informed that my property was in fact in foreclosure, again, and I would have to reapply for a loan modification. I was not informed by Carrington that my loan would be put back in foreclosure when I reached out for the balloon payment breakdown. 

I have paid my mortgage payments are required during the temporary period but Carrington Mortgage is reporting my mortgage as paid as late on my credit report.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (TX)

Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX  to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. 

On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. 

On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. 

Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. 

At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. 

For your immediate attention and compliance XXXX XXXX
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

Gentlemen, Last XXXX, my book keeper contacted me regarding some unauthorized ACH withdrawals ( in total {$3000.00} ) being taken from my business account. I contacted my banker, XXXX XXXX at Truist XXXX XXXX. XXXX looked at the withdrawals, and agreed we needed to close the account as it had been compromised by fraudulent activity. We proceeded to close that account and open another, and he assured me that the fraudulently transferred funds would be refunded. 
In mid XXXX, I received notice from Truist that they were denying my claim. No reason was given. I contacted XXXX XXXX again, and he said he would find out what was happening. I have been calling and emailing XXXX since XXXX trying to get this resolved. XXXX keeps telling me that " the case has been escalated ''. I finally received a phone call today from the " escalation division '' of Trust who just repeated the denial of claim, with no reason being given.

It's my understanding that if I have funds deposited in a bank, I have to authorize any access to those funds. I DID NOT authorize these ACH withdrawals.

I have reached the end of my patience with Truist and their non-communication. 
Please see what can be done. If funds are not secure in a large NC bank, the public needs to be aware. 
Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact for XXXX XXXX at Truist : XXXX,
Consumer complaint received 2022-08-18
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2020-12-17
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)

I have contacted the credit Bureaus, experian and XXXX  on several times regarding some accounts reflecting on my reports that were fraudulently open and do not belong to me. I have sent many letters, complaints and called on many occasions to remove these accounts listed below that are hindering my credit. I am fed up. I did not open these accounts and I should not be punished for this. 

1.Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX XXXX XXXX Account Number : XXXX 5.Account Name : XXXX XXXX XXXX Account NumberXXXX 6.Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX I WOULD LIKE THESE ACCOUNTS DELETED FROM MY REPORTS IMMEDIATELY. THANK YOU
Consumer complaint received 2024-02-29
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

Dear Experian, I have disputed this account # XXXX and # XXXX before by a company call XXXX and XXXX XXXX. They both sent a copy of the consumer contract which is not sufficient evidence of debt. I have nerve done business with them before and they have had reported to my Experian and XXXX consumer agencies. XXXX has them both off my consumer report after investigated the account. I am requested that you Experian reinvestigate these account and have them both deleted off my consumer report. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. XXXX XXXX XXXX and XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.
Consumer complaint received 2022-08-18
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I SENT DEBT VALIDATION LETTERS TO EACH OF THESE COLLECTION AGENCY, ACCOUNT RESOLUTION SERVICES, AND XXXX XXXX XXXX ON XX/XX/XXXX. THESE AGENCIES HAS FAILED TO VALIDATE MY DEBT. INSTEAD, THEY SENT A LIST OF MEDICAL RECORDS WHICH I KNOW IS A DIRECT VIOLATION OF HIPPA REGULATIONS. I NEVER SIGNED A HIPPA FORM AUTHORIZING THEM TO HAVE ACCESS TO THIS INFORMATION. PLEASE DELETE THIS INFORMATION FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITIES IMMEDIATELY. 

ACCOUNT RESOLUTION SERVICES XXXX. ) XX/XX/XXXX {$140.00} XXXX. ) XX/XX/XXXX {$140.00} CHARGED TWICE XXXX. ) XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX. ) XX/XX/XXXX {$650.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
Consumer complaint received 2022-08-18
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. (NC)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}