davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account name : 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 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 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 2019-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

TOOK OUT A LOAN WITH EASY MONEY IN XXXX TN, FOR THE FIRST COUPLE OF MONTHS NO PROBLEM BUT WHEN I INCREASE THE LOAN WERE GETTING DOUBLE INTEREST CALLED CUSTOMARY INTEREST. SEVERAL PPL COMPLAINED AND THE DISTRICT MANAGER WAS SUPPOSE TO CREDIT SOME OF THE CUSTOMARY INTEREST. PER CORPORATE AT XXXX WAS TOLD THEY HAD NOT BEEN ABLE TO GET IN TOUCH WITH HIM. TALKED TO XXXX ABOUT THE SITUATION AT CORPORATE WHO TRANSFERRED ME TO XXXX A DEPARTMENT TO HELP PPL WAS TOLD BY HER SHE WILL CALL ME BACK NEVER RECEIVED A CALL. WAS CALLED SEVERAL TIMES BY XXXX FROM COLLECTION WHO DID NOT READ THE NOTES ABOUT THEY WERE STILL WORKING ON MY ACCOUNT. TOLD HER THEY WERE WORKING ON THE ACCOUNT TALKED TO THE XXXX DEPARTMENT AGAIN SAID TO WAIT ON MAKING A PAYMENT UNTIL THEY SOLVE THE PROBLEM. TALK TO THE COMPANY AGAIN XX/XX/2019 WERE TOLD THAT THE DISTRICT MANAGER REFUSE REALLY AND HE HAS HELP OTHERS. THIS IS NOT RIGHT AND PLEASE SOMEBODY NEEDS TO KNOW THERE JOB THANK YOU
Consumer complaint received 2023-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (NY)

I paid my mortgage on XX/XX/2023 in the amount of {$1200.00} which was due on XX/XX/2023. Fay Servicing, XXXX XXXX XXXX, XXXX XXXX, TX XXXX started calling me on XX/XX/2023 at XXXX XXXX  stating that I was late on my payment. I checked with the bank where I purchased my cashier 's check and they stated that my check was cashed on XX/XX/XXXXXXXX XXXX by fay servicing. I sent them a letter with copies of the cashed cashier check to prove that I paid the mortgage. They called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX @ XXXX. On XX/XX/XXXX I received a letter stating that I had not paid the mortgage that was due on XX/XX/XXXX. XXXX. They often send late statements which forces me to pay the late fee of {$13.00}. I have received multiple calls from them starting at the beginning of every month stating that I am late on my payment. When I try to return the call to the number they give me, there is always a recording and there is never a real live person to speak to regarding my account.
Consumer complaint received 2020-06-07
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: CARVANT FINANCIAL LLC (FL)

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} CARVANT FINANCIAL LLC XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Personal Statement I was incarcerated for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), Account # XXXX ( XXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you
Consumer complaint received 2020-06-07
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: LOBEL FINANCIAL CORPORATION (FL)

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} LOBEL FINANCIAL XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (IN)

Received a email that said it was PayPal stating that someone had tried to charge XXXX to my account. And to call this numberXXXX. When I did that when everything went south. It end up coasting me XXXX XXXX XXXX XXXX XXXX. Had to change my banking information. They hacked in to my computer XXXX. It bad. Picture of my driver license.
Consumer complaint received 2020-01-29
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)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Richland Bureau of Credits Medical Service Bureau Inc. (TN)

I have been frequently called by XXXX claiming the business as " RBC '' in XXXX, OH  ( upon further research, they go by multiple names : Richland Bureau of Credits , Medical Service Bureau, RBC , Inc., Richland Bureau of Credits Medical Service Bureau , Inc., Richland MSB ). They have called me more than once a month for about over a year now. I have since blocked their number, but now am receiving new calls from XXXX ( XXXX XXXX - XXXX, FL ). I know the debt I have due and it is not to any of these agencies. None are providing information on the amount or type of debt owed. I have since blocked the XXXX XXXX number as well. Additionally, I do not live in either Ohio or Florida.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX Comenity Capital Bank sent a physical letter with bias and contradictionary answers to why they would not increase low balance credit limit. Included by not limited to they only deal with land owners ( which they gave the card to people who were not land owners ), and they don't consider themselves a bank " No open bankcards in your credit file '' I sent a leter but have not heard anything back yet. 
In regard to a credit limit increase i requested XX/XX/XXXX. for an account i have had open and had in good standing since XX/XX/XXXX
Consumer complaint received 2023-07-06
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. (DE)

My credit report shows a collection for a telphone bill of {$770.00} that is not mine. The creditor, on whose behalf the collection agency claims I owe money, states I do not have any unpaid invoices or that they have sent an invoice to a collections agency. The credit reporting agency has not investigated properly. They simply have asked the collection firm to confirm I owe the money. In the meantime, y credit score has gone down over 50 points.
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I talked to Transunion credit reporting agency about getting my credit report and credit score. The agent along with his supervisor XXXX employee ID XXXX  denied me my free credit report along with my score. According to the Fair Credit Report Act a individual is suppose to be able to obtain one free report and score annually. I told them I don't have access to my old account login that hasn't been used since 2016 and they still denied me service. When I ask to speak to another supervisor and ask for a number to call he denied me
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

I started to request requesting my PMI to be taken off my account. Each time i have to reach out to a generic email box. I have now been trying to work this out with them since XXXX and i have had to make 5 payments as a result. It literally takes 25-30 days for anyone to respond in between each response.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2019-04-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (MA)

I created an account with American Express Serve, they suspended my account in XXXX, and have not disseminated any information as to why they suspended my account, nor released the funds that are currently sitting in that account. 

Timeline  : XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Was locked out of account, noting an issue with my email/password ( est. ) XX/XX/XXXX - Called the customer service line, was originally told that it was a security issue but they were unable to unlock the account. I was passed off to another rep and they told me that they couldn't unlock my account either. 
XX/XX/XXXX - Received an email notifying me that my account was locked, and account privileges suspended due to violating terms 15b of their agreement. No other information in the email noted why my account was suspended or what 15b was. 
( est. ) XX/XX/XXXX - Called to resolve matter, was told again that my account privileges were suspended for violation of 15b. When asked what that was, they responded that they couldn't tell me that information. I was told that they would send an email with more information in the next couple of weeks ( this email did not come ). I requested to have the account closed and release the funds. I was told that they would email me with information regarding the case ( this email did not come ). 
XX/XX/XXXX - Called again to Identify what the hold up was with the release of funds. I spoke with XXXX whose extension was XXXX, and whose manager 's name is XXXX. I notified them that I had requested to close my account and that the {$400.00} in funds were not released. She assured me that they would handle the situation and that they would report it to the appropriate team. I requested to speak to said appropriate team, and was told that was not possible, they are not reachable by phone. She said that I would receive notice on the release of funds with 1-2 days. I let her know I would reach out to the CFPB in the event that they did not release the funds in 2 days. 

I have also received weekly account updates from Serve, notifying me of the {$400.00} that is sitting in my account. 

Any time I have attempted to call to get information, I have been assured they would fix the situation, and then I receive no mail, no email, no notice on why the account privileges are suspended and my account is locked, allowing me no access to the {$400.00} that I put in it.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (MI)

I received notification that I have an account with diversified consultants in regards to an account with XXXX XXXX XXXX, the problem is that I still have an open account with currently with them but they are still reporting inaccurately. I have paid off this balance because I didn't want it to continue to have this inacurrate account on my credit report. The amount that is reporting is {$320.00}
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in  California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Different addresses are reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I am a customer of XXXX ( a division of PayPal ), XXXX user ID @ XXXX and email XXXX and have received multiple payments via XXXX successfully over the last year from people I know outside of XXXX. 

Recently I received payments on XXXX on XX/XX/2019 ( {$700.00} from one person a close friend and payments totalling {$7000.00} from a second person I know but not a close friend ) I was misleadingly informed my XXXX by in-app notifications and by email pronouncements that these payments were cleared, that I had been paid and money was in my XXXX account. I therefore went ahead and withdrew the said amounts to my bank account. I was further provided notifications that the transfer out of my money which was in my XXXX account, to my bank account was in progress. ( The payment was to share costs of a hospitality package for an expensive music festival that was in progress over the following few days ). 

4 days later on XX/XX/XXXX I was sent a notice by XXXX that the account was " frozen and transactions reversed ''. No details WHATSOEVER were provided and no one was reachable by phone for a further 24 hrs till XX/XX/XXXX. After multiple emails and phone calls it took a further 4 days till XX/XX/XXXX till before I was even informed of even the most basic details ... which transactions were reversed. This was after many rounds of phone calls and emails, including threatening to go to my US Senator and to the CFPB!! I have transcripts of all email conversations .... just to identify how much of my money was being held..and which transaction/s were affected! 

Finally a week after the original transactions I was told that the {$700.00} payment was being held for 180 days and the payments totaling {$7000.00} reversed to the originator. This was almost a week after XXXX informed me I had been paid misleadingly. The payer of the {$7000.00} is unreachable to pay again and now I am left with a {$7000.00} loss due to XXXX 's totally misleading emails and in app displays on payment, money availability and bank withdrawals. ( Furthermore, the {$700.00} payment is being held for $ 180 days. That is a non issue as long as at 180 days it is released as promised. ). 

Please investigate XXXX 's business practices and customer service availability and misleading notifications about being paid and funds availability which has led me to losing {$7000.00}. This is a HUGE loss for me as an individual relying on XXXX. 

Transaction receipts and notifications are provide and have copies of all email exchanges too demosntrating XXXX 's negligent and unsafe business practices.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has charged me {$39.00} late fee and {$28.00} returned payment fee for a total for the XX/XX/XXXX XX/XX/2019 statement of a whopping {$64.00}! Obscene! I refuse to pay this!
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

I can not open my account you have so many headings and nonre of them allow me to log into my account dont you think of these issues I trie XXXX XXXX XXXXXXXX  log in No Good this is very discouraging. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX or XXXX you see please simlify all of these erronus heading I have been on the PC fro 1 hr to view and depoist XXXX XXXX XXXX XXXX TERRIBLE
Consumer complaint received 2023-07-26
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. (CA)

I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2022-12-29
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. (GA)

XXXX ACCUSED ME OF USING A 3RD PARTY TO WORK ON MY CREDIT REPORT. ANYONE THAT KNOWS ANYTHING ABOUT CREDIT REPORTING AGENCIES KNOWS THAT IN THE STATE OF GEORGIA THEY ARE ILLEGAL THUS NO CREDIT REPAIR COMPANY WILL TOUCH ANYONE LIVING IN GEORGIA. I CONSIDER THIS A DELAY TACTIC BY THE CREDITOR AS AN EXCUSE FOR NOT VALIDATING THE DEBT, PROVIDING ME WITH THE 1099C, OR NOT REMOVING THIS ACCOUNT WITHIN THE GUIDELINES OF THE LAW. I HAVE INCLUDED THE DISPUTE LETTER I USED WHICH REQUIRED ME TO HANDWRITE MY DATE OF BIRTH, SOCIAL SECURITY NUMBER, AND SIGN THE LETTER. ALONG WITH A BILL WITH MY ADDRESS AND A COPY OF MY DRIVERS LIC. KEEP IN MIND THAT THE SIGNATURE ON MY DRIVERS LIC MATCHES THE SIGNATURE ON THE LETTER.