davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (FL)

On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.
Consumer complaint received 2021-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.
Consumer complaint received 2016-08-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.
Consumer complaint received 2022-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am attempting to consolidate loans in order to have them forgiven under PSLF. The loans are not reported appropriately from NAVIENT on the FSA site, therefore I am unable to move forward. I am incurring monthly charges and the program will be expiring shortly. I am incurring financial harm due to their ineptitude. They acknowledge that this is a known problem but have made no effort to resolve it. 

I contacted NAVIENT on XX/XX/XXXX and was told it would be resolved withing 2 weeks. It was not. 

I contacted NAVIENT on XX/XX/XXXX and was told a follow up was initiated and I would be contacted within 24-48 hours via email. I was not. 

I contacted Navient on XX/XX/XXXX and was told a supervisor had been notified and would look into it. I requested a contact by that supervisor and am awaiting a response.
Consumer complaint received 2021-11-13
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Creditor : GXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-03-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (MD)

I have a debt with with Williams and Fudge ( the collector ), the original creditor is XXXX University. I set up a payment plan for XXXX, per pay period since the new rep XXXX XXXX said i couldnt continue to do XXXX per month like the previous rep XXXX XXXX said. This additional XXXX was agreed to by the new Williams and FudgeXXXX. XXXX informed me if i needed the payment stopped to call/email her. i sent an email to stop a payment and to take 2 payments on XXXX ( she agreed to this ) ; her company took the money out of my account anyway. I spoke with XXXX XXXX and she said she would refund it. She then leaves a message saying she not refunding it. I email her and informed her I will be paying online from now on. I get an email from the manager saying i cant make my payment online and if i pay online the whole balance is due. Thats a false statement as I have made payments online previously for years. I told them they can no longer auto debit my card and they got mad.Williams and Fudge are now lying and using unfair practices to collect a debt. I included the emails. I will not under any circumstances allow Williams and Fudge to auto debit anything and have advised my bank of the issues.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hi, I have been trying to work out a modification with Mr. Cooper for the past few months. They have now offered me a modification ( 2nd One ) extending the loan for 15 years with a reduction in interest. Please see attached letter for the exact breakdown. If you amortize the existing loan at 2.875 % for 26 years the payment should be {$1800.00}.

I have also been approved for a Mortgage Grant of {$30000.00} thru a nonprofit organization. Mr. Cooper says I can not get the modification if I accept the Grant. 

Mr Cooper is trying to rip people off. I need to know how they came up with the amount of {$1900.00}. 

Thank you
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I sent a wire transfer from my HSBC account to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, the XXXX is XXXX, XXXX XXXX checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. 

I'm submitted this complaint end of business day on Friday XX/XX/XXXX after back and forth with HSBC for several days, they're still not able to provide any information with regard to the dangling wire transaction ( in the amount of {$5000.00} ) and the fund has not yet been deposited back to my account.
Consumer complaint received 2023-06-22
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not furnish a account without my written instructions.
Consumer complaint received 2023-06-22
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2019-07-21
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. (AZ)

On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by XXXX XXXX XXXX ''. The XXXX XXXX credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''
Consumer complaint received 2019-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

XX/XX/2019. Covington credit has called my job twice and was told not to call my job and the young last I spoke with was XXXX. They are pretending to be collection agency and when I told her not to call my job she said she wouldnt have to if I answered my phone. The amount was XXXX I believe. I told them several times that I will pay them when I get my money in order and didnt give them a time table.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

THIS IS A POD ISSUE I am the POA for a POD beneficiary. Bank of America has a copy of the POA on file in the Estates Unit. I went into the bank located at XXXX XXXX XXXX where my ID was validated and notarized and then the form was forwarded to the Estates Unit. The Estates Unit then mailed me the beneficiaries check made payable to the Beneficiary only. I took the check to the XXXX XXXX XXXX bank location and a copy of the POA to cash the check, I signed the beneficiary 's name ( by ) MY NAME, POA. I was informed I could not cash the check because the beneficiary did not have an account at BOFA. I reminded the bank manager that the beneficiary had been incarcerated for about 5 years and did not have docs to open an account. I was informed without the beneficiary having an open account, they would not cash the check. Therefore, with the beneficiary being locked up and no way to open an account, how does BOFA plan to issue the funds, if not to the POA nor will they wire the funds to Texas Inmates. I called the Estates Unit and was advised they would not and could not add my name as POA to the check in any way. When asked what could I do. I was told as far as they are concerned the matter is closed because a check payable to the beneficiary was issued. I explained if the check could not be cashed then BOFA would retain use of the funds which are not theirs. BOFA is fully aware that the beneficiary can't manage his financial affairs due to the POA they have on file. THEY SENT THE FORMS TO ME TO AUTHORIZE RELEASE OF THE FUNDS AS POA however, they will not allow me to CASH THE CHECK. PLEASE HELP! BOFA has developed a process to allow them take what is not theirs 's. One way or other ( via opening another account to deposit funds or issuing a check they refuse to honor. They will keep the money. The check issued amount is {$3400.00} check number XXXX, dated XX/XX/19. Remitter ID XXXX
Consumer complaint received 2021-11-13
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: Bridgecrest Acceptance Corporation (CA)

I am challenging the accuracy and integrity of furnished information pursuant to 12 CFR 1022.42 : ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 
What are your policies and procedures because it doesn't seem to align with the CFR regulations. Now pursuant to 15 USC 1666b I am directing you to mail a check in the amount of credit on my account to the address you have on file. 

12 CFR 1022.25 ( v ) Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number. 

I do consent to Bridgecrest sharing of my non public information and am exercising my right to opt out lf sharing of any information related to my organization. I'm directing you to remove all information from consumer reporting agencies and files immediately. I am also exercising my rights and requesting my downpayment of {$500.00} which under truth in lending act 15 USC 1601 the finance charge does not include any cash. 

You are hereby put on notice!
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (NJ)

Called Experian spoke with XXXX in dept : XXXX  in reference to my request for proof of verification. Within my rights according to the FCRA 611 I was disputing the following on XX/XX/2021 and XX/XX/2021 XXXX  XXXX XXXX {$16000.00} XXXX/XXXX  {$500.00} XXXX/XXXX {$2500.00} XXXX {$2200.00} When I received a response that they had verified the items and would not take any further actions. I sent a request for verification letter on XX/XX/2021, and XX/XX/2021 When I ask XXXX to provide the method of verification, since it has been more than the 15 day from 1st request. XXXX stated that they ae not required to provide me with the method and that If I wanted, I could re-start the dispute process. When I told XXXX that I was looking at the FCRA 611 he began to speak XXXX and say he could not hear me. That was XXXX minutes ago. I have been on hold for an hour. XXXX has not returned to the line. 

I then called and spoke with XXXX who after I told him my complaint also put me on hold, not returning to the phone. that was 59 minutes ago. 

I have provided them with everything to support my disputes on accounts, names and address and they send the same form letter. 

I'm asking for this to be reviewed by this agency. 

Regards.
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX  XXXX XXXX # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : CAPITAL ONE N.A. 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXX IL Credit Card Payments Credit Card Payments - {$340.00}
Consumer complaint received 2021-11-13
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. (NY)

I contacted the XXXX XXXX its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Dear PayPal Global Customer Complaints & Advocacy, This is XXXX XXXX, and I'm reaching out get help in disputing my parmanently limited PayPal account. I had previously filed a complaint with Better Business Bureau ( complaint XXXX ). I hope you understand how frustrating it is when your account has been permanently limited and the inconvenience this may have caused.

Below is the reason I was given as to why my PayPal account was limited after considering several factors as at XX/XX/year> ; Your account was accessed using an anonymizing proxy service, which is a restricted activity as defined in the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement. Anonymizers attempt to make activity on the internet untraceable and make preventing fraudulent account activity difficult for PayPal. Additionally, this type of activity can be indicative of unauthorized activity.

Your account shares information with multiple accounts with limited access. We can confirm that the accounts share a combination of the following : phone number, address and login information. 

My response to this is that ; - I did not know that my proxy was on when I logged into the PayPal account, at times I am in a rush to withdraw the cash or send it and forget to close the proxy. This is my fault, to resolve this I will remove my proxies and be keen next time I login to my account. 
- I had shared my login details with my brother as a friend of his had sent him some money and I was buy and could not check it for him thus gave him my login details to reduce stress on my side. I assume that he continued to log in without my permission. So as to resolve this I will change my passwords and not share will not share the details with anyone. 

As a result, my account was limited and requested that I provide us with your photo ID, bank statement, and explanation of your activities. 

On XXXX XXXX, I provided the required information. 

On XX/XX/year>, PayPal reviewed your account and decided to place a permanent suspension on your PayPal account and no longer provide our services to me. This permanent suspension applies to all current PayPal accounts held by you or any further accounts you may open in the future ; this information I did not know because later I opened a new PayPal account XXXX which was later permanently suspended. 

I would really like to get help so that my PayPal ban is lifted because there are no better websites than PayPal and I would really hate it if I would loose it. 

Sincerely, XXXX XXXX.