davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Around XX/XX/2019 I called about the details for an account that I'd just opened promotional stipulations. I opened it with a promotion code for {$220.00} given after 90 days of meeting stipulations and was told that I would also get {$600.00} if direct deposited amount surpassed I believe of {$1000.00} or {$2000.00} which I made sure to do which no promotional code was needed for and that for the savings account being opened I would get another {$200.00} or {$300.00} I believe. However, none but the {$220.00} was given and I even asked that this be looked into and was advised by XXXX the XXXX XXXX location manager to call in and express this so the call could be reviewed and the promotions honored due to misrepresenting what I would be getting with the meeting the stipulations outlined. He explained if it took place inside a physical location in his district he'd resolve the issue and honor it due to verifying the call, but due to account being opened online it had to be honored by the 800 customer support department. 

After doing what XXXX informed me to do I was given case XXXX by the over the phone customer care supervisor XXXX. XXXX XXXX called me and stated the call was reviewed and it did support what I explained, however they were not going to honor what was offered to me at the opening of my account or what XXXX stated would happen. 

Due to getting no where I ended up deciding to close my savings account and would have closed the checking, but was advised fines would be charged to me. I apologize at this point of creating this I don't have the specifics promotional amounts, but the case number is referenced with the specifics and the calls can be viewed.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report.
Consumer complaint received 2022-12-01
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. ()

My bank sent me an email saying that my checking account had no funds. A lawyer named XXXX XXXX XXXX took all my money amount of my checking account. My bank said it was a legal order and gave me the lawyers info. I called her and she said she was a court appointed receiver hired by Midland funding and that there was a default judgement against my father for XXXX and that my social security number was entangled with his. I called my father he wasnt aware of any notice that he owed money. Neither me or my father was notified of any credit default. I checked my credit report and Ive never had any outstanding debt collections. My father also checked his credit report and there was nothing outstanding on any of the 3 credit bureaus. We requested a copy of the court report and they have not providing any info. I checked the case number that was provided to me by my bank and can find no court records. I feel strongly that my consumer rights have been violated as I have not received any court documents from anyone.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Global Lending Services LLC (CT)

I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. 
I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. 
I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. 
I need help.
Consumer complaint received 2019-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (FL)

MoneyLion is failing to honor a cash bonus offer, Pave the Wage Promotion. I have met all bonus requirements. Please see attached documents for terms. 

I opened a MoneyLion account with the intention of earning this bonus in midXXXX XXXX. Through their app, I opted into the bonus. I called the institution to verify that I had opted in correctly because after I had opted in through the app there was still a place to opt in, and I thought it would have disappeared. The employee I spoke with on the phone told me that they did not have the capability to tell me whether or not I had successfully opted in, and as long as I hit the opt in button on the app, I would be fine. I had done this with absolute certainty, so I felt secure enough to move on to the next requirement. My MoneyLion checking account received direct deposits of {$3500.00}, {$3200.00}, {$3200.00}, and {$3200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. 

I have talked with three different employees from the institution over more than 5 calls starting just before the final direct deposit to confirm that I have qualified for the bonus. The first employee, XXXX if I remember correctly, told me that I did not qualify because I did not opt in and did not meet the direct deposit requirement but confirmed that I did call to verify that I had opted in correctly. I find it interesting that now they have the ability to see if someone has opted in. At one point during our communication she told me she was going to have to call me back in 15 minutes or so and did not call me back for several days. During those few days I called in and spoke with two other MoneyLion employees. Both of those other employees told me something different than XXXX. During the first of the calls after speaking with XXXX, I was told that the bonus would be paid on the XXXX of XXXX. In the second call, the employee said I would not receive it until later than the XXXX. Finally, XXXX called me back to tell me that the previous two employees were wrong. She informed me that I still did not qualify, but she was working on it and would call me back. Several days later XXXX called me back again and told me that she was able to manually opt me in. She also said that bonus payments are made in batches on Mondays, and if I qualified, I would be paid next Monday, XX/XX/XXXX. Today is XX/XX/XXXX. I have not been paid. I completed all criteria weeks ago. Every time I speak with some they tell me something different.
Consumer complaint received 2023-03-26
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. (LA)

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2022-10-15
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. (CA)

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 permission
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (FL)

I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.
Consumer complaint received 2021-07-21
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)

On XX/XX/XXXX I got a personal loan with XXXX XXXX XXXX XXXX for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled. 
2. Late Fees will be disabled. 
3. XXXX will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan.

5. If your Loan is a Promotional Loan, th
e remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires.

6. Billing Statements will be suspended. 7. Interest will continue to accrue during the 120-day period.
8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call XXXX XXXX XXXX in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru XXXX XXXX XXXX has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc. (CA)

I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees
Consumer complaint received 2022-12-15
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: Resurgent Capital Services L.P. (GA)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (NV)

I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.
Consumer complaint received 2023-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

XXXX funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because Im just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me
Consumer complaint received 2021-02-18
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-03-26
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 permission
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (OH)

So I purchased a product from a company through PayPal XX/XX/XXXX. I also told them i needed the product before XX/XX/2019. So when delivered they never left the package and I was told I couldnt pick it up. Then I was told they would leave the package the second time but they never did. The package was sent back and I never received my money back.
Consumer complaint received 2022-07-25
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. (NY)

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

In XX/XX/2021 I received notice that my property tax was past due and I was assessed a penalty fee of {$250.00}. I have an escrow account so I notified my mortgage company Union Bank, right away and the balance was paid. However, they pulled the penalty out of my escrow funds which I believe is not legal. I have called at least 6 times to resolve the matter, which would be them refunding the late fee to my escrow, and I have received no resolution. I have received no written notice that it has been resolved and each person I talk to on the phone assures me they will " take care of it. '' As of XXXX, XXXX it has not been resolved.