davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX closed business for 7wks, The lender offered a XXXX forbearance month. The proof is attached. I paid in XXXX AS AGREED. I was NEVER 30 days late. The documentation will corroborate the FORBEARANCE.
Consumer complaint received 2022-07-06
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 Credit Reporting act XXXX Account US DEPT ED # 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 2022-09-26
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-23
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. (MI)

I contacted all three credit bureaus such as XXXX, XXXX, and Trans Union in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX  XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX XXXX XXXX ( XXXX ) XXXX {$1100.00}
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Installment loan was taken out on XXXX {$2000.00} over time I have made a {$200.00}, XXXX, and XXXX toward the loan and have paid over {$1400.00} in Apr, and fees. Leaving me with a total payoff balance as of XX/XX/2019 in the amount of {$1900.00} owed to cashnet to leave me at a XXXX balance. How is that legal? I cant put food on the table or keep a roof over or head at the rate Im going. Please help. Thank you!
Consumer complaint received 2018-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Hello, My name is XXXX XXXX. I have a full time job in XXXX, Florida and have a company registered in the state as XXXX XXXX XXXX This is a small company that I mostly use to earn extra cash as a XXXX XXXX XXXX XXXX ( after working in the XXXX XXXX  for almost a decade ). I also help XXXX XXXX  with XXXX XXXX XXXX. My XXXX XXXX  are post paid.

For my XXXX XXXX, I use PAYPAL to collect funds after the service is performed and the client is satisfied. OnXX/XX/XXXX PAYPAL limited the use of my account. They flagged my account as " high risk '' and I went through an appeals process where I provided explanations of my services, sent documentation of my company registered in the state of Florida, and other personal information for them to verify me. I immediately submitted all the requested information/documents and explanations in order to resolve the matter. After this, onXX/XX/XXXXXXXX XXXX PAYPAL rejected the appeal and decided to permanently freeze the account and hold my funds ( {$2000.00} ) for 6 months. I called on XXXX   XXXX  and asked for an explanation and their responses were vague, and they were not willing to help me identify exactly what activity violated the agreement with them. I asked them to please point out where in the agreement I could find a statement that would go in line with my alleged violating activity, and they refused to do it. PAYPAL continued stating that there was nothing I could do to get the funds released, due to security reasons.

Their behavior is quite unreasonable, and I feel that they are taking advantage of the small businesses. They vaguely argue the reasons why they freeze funds for 6 months, and offer no amicable solutions to resolve the matter with me.

Please help ask paypal to release my funds. There are thousands of Americans being victim of this type of behavior from PAYPAL. There has to be some time of illegality about their unilateral actions which do not have any specifically valid or reasonable explanation about their user agreement violation.

Other financial entities do not have this type of predatory behavior, and I request that PAYPAL stops hurting small businesses in our country.

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights XXXX 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 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-07-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights XXXX 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 2021-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NV)

I cancelled a contract with XXXX XXXX XXXX XXXX ( Company ) that had been fraudulently opened by an agent of my business without authorization in my name. The contract was opened in XXXX. I called in XX/XX/XXXX after receiving access to the business e-mail and seeing they were still charging me for the account. I had paid all fees prior to this, despite not being responsible, as they were being withdrawn from my business account. XXXX XXXX XXXX XXXX sent an e-mail on XX/XX/XXXX stating that my contract had been cancelled. They made no statement of debt owed, or fee for cancellation of ser vices. After cancelling the contract, they sent a bill for collections in the amount of XXXX, for this years ( XXXX ) service contract. I disputed the collections with the collection agent, RADIUS GLOBAL SOLUTIONS, LLC, and asked for validation of the account. They sent back a very basic invoice with minimal information other than public information. I have made several attempts to contact XXXX XXXX XXXX XXXX  to dispute the information with their fraud department, but they kept transferring me to any department except ( CS, Tech Support, Accounts Receivable, etc. ) They have been totally unreasonable in contact attempts, and have threatened harm to my credit by sending this account to a debt collector. They also charged an unreasonable fee bordering on predatory for their service in comparison to several other similar platforms that I have recently researched.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard (CO)

I had spoken to a representative and explained that I have been under XXXX since XX/XX/2020 and under XXXX XXXX. She said ok she will make a note of it this was a week ago and today I get served a legal papers threatening to take me to court. I attempted to contact them 3 times And I get hanged up on once its transfer. And they pulled my bank transaction without my authorization this is a joint account and no one gave permission to do that.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I recently bought my home and the lender was XXXX XXXX, XXXX sold my account to Lakeview on XX/XX/19. I made the following payments to XXXX XXXX : {$600.00} on XX/XX/19 Closing Interest {$15000.00} on XX/XX/19 Principal {$2200.00} on XX/XX/19 Principal XXXX   XXXX sent me a statement on XX/XX/19 with a remaining balance of {$240000.00}, with {$740.00} interest. XXXX sold the account and the current lender Lakeview, they started charging interest on the original amount {$260000.00}, at first they told me since they don't have all the payment information, and will adjustment the payments ones they receive all the information from XXXX XXXX. However, now their history shows that they have received all dates and amounts of payments, however, they did not correct the principle they charged interest on. I have continually been calling and sending them e-mails. They didn't correct it, and continue to give me incorrect principal amount. Therefore, charging me more in interest. I am making more in payments towards the principle but they are charging more in interest, on {$260000.00} principal - verify payment made on XX/XX/19 to Lakeview, interest charged {$790.00}, whereas interest charge should have been XXXX. I have this statement from XXXX XXXX, showing the correct principal of {$240000.00} and a payment in interest was supposed to be {$740.00}. However, Lakeview charged {$790.00} in interest. This has continued and therefore, my principle is incorrect, and my overpayment that should be applied towards principle is going towards interest. Therefore, the principal and interest is incorrect. I have been told several times they will fix it but they don't each time I call in I am been told we will update and correct the error within 5 days. However, they haven't, every time I call they keep transferring the call it take almost 2 hours and then someone will assure that they will get the account corrected, but it never happens.
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield and Associates is reporting a medical debt from XXXX for a person who is formerly my step-child. 

I was divorced on XX/XX/XXXX and I have no obligations for the debt of a step-child from a former marriage. 

I contacted Wakefield and they could not provide an estimate of how long it would take before they made a decision if this would be removed from my file.
Consumer complaint received 2021-06-16
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: DISCOVER BANK (NY)

DISCOVERBANK XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank of my called XXXX XXXX XXXX XXXX XXXX Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the Bank of America late! The Bank of America refused to change or correct the information. However, they did AFTER receiving the check from the XXXX XXXX XXXX XXXX XXXX. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The Bank of America charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The Bank of America is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX  was the one that shows me the problem and it started with Bank of America. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX   has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX  is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within Bank of America. XXXX  needs to fix this record and do not blame me for the APR because the man at the Bank of America never told me about the APR. I would not want a secured card with a high APR, the Bank of America never told me about the APR. However, the Bank of America and XXXX  both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check XXXX XXXX  XXXX XXXX, it has a proper status as + for a credit. However, the Bank of America has - as a symbol for a credit. I do not like the Bank of America XXXX symbol. It is not friendly. They need to change to + as a credit. It is more proper status.
Consumer complaint received 2021-08-23
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. (TX)

I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.
Consumer complaint received 2024-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ROYAL UNITED MORTGAGE LLC (IN)

I received a call from XXXX XXXX XXXX # XXXX with Royal United Mortgage after filling out a form on XXXX XXXX. I was very specific that I wanted a HELOC and that I was not interested in personal loans or cash out refis. After speaking for 20 minutes to get my information and why I wanted the loan, she did a hard pull on my credit. Afterwards, she indicated that a HELOC is in fact the best option for my situation, but unfortunately they do not offer HELOCs. She should not have moved forward with a hard pull on my credit knowing they did not offer what I was interested in. I voiced my hesitation with the hard pull and said I did not want to do it if they weren't going to be able to do what I wanted. At no point did she disclose that they did not offer HELOCs. Had she disclosed that they did not offer the product I was interested in, I would not have agreed to the credit inquiry.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance took complete advantage of me and I bought a XXXX dollar used XXXX traverse with XXXX miles on it and I now owe XXXX I was not aware of this Im not happy considering all the money Ive put and continue to have issues been trying to build credit and be responsible and now XXXX paying for a unreliable vehicle so unfortunate this should be illegal!!!!
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

XXXX Loan At Last-Acct. # XXXX XXXX XXXX XXXX Loan Amount XXXX XXXX Loan at Last  withdrew from my checking account-XXXX  XXXX XXXX, the following : XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX Total : XXXX I contacted the fore-mentioned company to inform that my loan amount had been paid. I was informed that I had six remaining payments of XXXX. 

At that point, I informed them to discontinue withdraws. Another attempt to withdraw XXXX on XX/XX/2019 was made. 

I contacted XXXX XXXX and placed a stop payment on XX/XX/2019, and all future withdrawals from this company. 

My complaint is that I was not informed that I would be billed for more than the original loan amount including nominal interest. This is fraudulent if not illegal. I paid my loan in full plus interest. 

There is no resolution with this company. My fear, is that this company will continue to operate in this fraudulent manner and hurt many in the process. 

Please advise. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

multiple occasions my debit card and pin was used at 3 separate atms, each transaction the person who used it pulled out XXXX twice. I didn't notice until 3 days after the last transaction. On XX/XX/year> XXXX XXXX wellsfargo ATM ID - XXXX Transaction IDs : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXXTransaction ID : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXX ID : XXXX XXXXFor a total in XXXXI had no idea my debit card was stolen along with my ID, unfortunately I had my pin set to my birthday and was easy to figure out. I didn't notice since I had no notifications on my phone about ATM withdrawals. You can clearly see through my past transactions that these withdrawals are not my normal habbits.
Consumer complaint received 2022-07-06
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. (LA)

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts

they also violated my rights under. 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. Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # TransUnion- XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.