davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (CA)

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 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 2017-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Leviton Law Firm, Ltd. (CA)

XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

Thank you so much for this opportunity. During COVID I applied fro forbearance and I was not able to make payments for 4 months. Afterwards, the mortgage company asked to modify my loan and I turned in everything I was supposed to turn in. Then they doubled my payments from XXXX to XXXX. I told them that and they refused. I continued to make payments every month and applied again with them. Anytime, I call, suctomer service judge and harrass you instead of trying to help you. They degrade you to a point that you get upset and angry on the phone. At a point I reached out to their president for help. I emailed an she never even acknowledge nor pick up the phone. These company seems like they want to find a way to foreclose on you no matter what and not try to help. The company is Fayservicing. 

Thank you so much.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

I picked up the first few calls to dispute debt, and to figure out what I can do. The first guy I talked to starting saying things along the lines of no wonder why they sent your debt off so quick they dont want to work with you, and other things about my personal life. I asked them to stop calling me and texting and to only email me. They are still calling and will not give me a clear answer to what I need to do. The company is hunter warfare in Florida
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am the unfortunate victim of a fraudulent credit card being created, used, and " charged off '' to a collection agency. 

I have attempted to reach out directly to the original creditor ( XXXX XXXX ) and also the company that holds the debt now ( portfolio recoveries ) but have not made any progress after following through with requested process. 

I have tried on multiple attempts to explain the situation to them regarding the account with what little knowledge I have on the account after discovering it on my credit report a few years back.
Consumer complaint received 2022-01-12
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. (CA)

XXXX XXXX Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, EXPERIAN CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( EXPERIAN ) that I have to go back to XXXX XXXX Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with EXPERIAN and they sent me right back to XXXX XXXX Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash. 
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full. 
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full. 
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX. 
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.

She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account. 
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.
Consumer complaint received 2023-03-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 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 2024-05-22
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 (MD)

I created a Venmo account back in XXXX. I only used it once to send {$10.00} to my girlfriend. There is no other activity on that account from me. On XX/XX/XXXX I transferred {$20.00} - transfer fee to my linked Venmo account. When I tried to use the money it was declined. I called Venmo support to figure out the issue. I was informed my account had been frozen for almost a month prior. I had no idea because again this acc for me is only a back up. So I sent my ID and pay stub as requested. I was assured it will only take a few days. Now I have been told it will take 180 days after I sent another transfer of {$100.00} to my venmo acc. Now I get an email saying I violated the the terms and my account is permanently deactivated with no way to get my money that I transferred only because the reps I spoke to said it will all be resolved in days. So now Im out of all my money. Lost my job because I couldnt buy gas with money that was supposed to be available to me. I am totally XXXX with Venmo for upending my life like this.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE XXXX  XXXX IS SHOWING UP ON MY CREDIT REPORT TWICE, IT WAS VOLUNTARILY DISMISSED BY ME IN A FEDERAL COURT & SIGNED BY A FEDERAL JUDGE IT WASNT PURSUED AT ALL IN THE COURT OF LAW ... AS U CAN SEE THE PAPERWORK IS ATTACHED PLEASE HAVE THIS XXXX  XXXX REMOVED FROM ALL CREDIT BUREA REPORTING AGENCIES IMMEDIATELY TY ....
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC. (TX)

I received a Collection notice from Professional Account Services , Inc. for a hospital bill in XX/XX/2018. I explained that I have contacted the hospital many times about the fact that my insurance company stated I reached my max out-of-pocket amount in XX/XX/2018. Therefore, I was advised to inform the hospital to bill the insurance company directly. Despite the fact that I have advised the hospital verbally and in writing to bill the insurance company, the hospital nonetheless sent the account to Collections. 

The Collections agent told me I need to clear it up with the hospital, but when I told her I've already tried many times yet they still sent it to Collections, she told me that's my problem. I asked why they don't contact the hospital ( their Customer ) and she said they don't do that. I let her know that if I am contact by Collections again, I will consider it harassment and make a complaint. She said she will just block my call. 

I have not had experience with Collection Agents, but this woman fit the stereotype I've seen in movies and television.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.
Consumer complaint received 2018-11-16
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: Experian Information Solutions Inc. (AZ)

I reported an error & requested an investigation on my Experian & XXXX credit report related to an account with XXXX XXXX XXXX XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.
Consumer complaint received 2018-11-16
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: Experian Information Solutions Inc. (MO)

Investigation results were wrong account still has not been removed from my report. The account of XXXX XXXX is not mine but is still on my report.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (SC)

I have an incredibly specific complaint about XXXX XXXX and their " only on this flight '' credit card offers. Now, I've witnessed this from time to time, but I can speak directly to this complaint as I've witnessed 76 ( that's right ... seventy-six! ) times this year alone. How do I know this? Because I've been on 76 American flights this year and every last one of them has offered me an " only on this flight super special once in a never time deal ''! 

Now, I can appreciate that they want to squeeze as much money out of folks as possible, but ... to lie to consumers literally *EVERY FLIGHT* about this AND to not have any way to opt out of being marketed at in a very aggressive way that you have no way of stopping is completely unacceptable. They claim it's not on every flight, so I must either be the most lucky passenger in the world to have the same XXXX offer shouted and rammed down my throat every time I get on the plane OR ... they're lying to customers and creating completely false advertising. 

This practice is complete nonsense. You pay a *lot* of money for flights and these folks are XXXX bent on forcing you to listen to their nonsense. What I've found out is they highly incentivize their employees to do this ( even when they're not supposed to ) to hawk these products and XXXX the customer experience and the honesty of the pitch! Heard this directly from a flight attendant who was traveling next to me on a plane. 

What can we do to stop dishonest and captive marketing like this?
Consumer complaint received 2019-08-15
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. (IN)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP (NC)

The finance company because I've sued for fraudulent insurance products sales and withholding loan copies of signed contracts by both parties. I was sold insurance products when I met requirements approving me for this loan by this manager But promises were made to me during the signing purchasing of XXXX and other insurance products of the contract but there was no basis of truth to that promise made by this manager and this finance company which delaying and refusing to pay my insurance benefits by this finance company. The manager and other loan officer at this location has wrongfully denied me access to refinancing my loan as retailition because I filed a insurance claim to receive insurance benefits I was sold and paid for which was included in my loan but has abused their authority and used fraudulent acts against me by willfully denying me access to my renewal amount at the time of XX/XX/XXXX and the renewal amount I was suppose to receive was XXXX included fees against me to increase her commission. 
Also credit card, and debit card payments were called in over the telephone at this finance company and accepted without signed permission in writing prior to taking the payments and not applying proper credit to the balance of my loans. Which violated SC, NC and Federal Law and my rights willfully denying the same. Renewals and telephone renewals were given by this managers friends and other customers but I was denied renewal of my loan as retailition of filing a insurance claim previously. As long as I accepted her previously excessively charging me high interests rates, not requesting customer copy that e both signed and not letting hr throw them in the trash and or keep them I was allowed to renewal of my loan there since XXXX. I was hurt by this finance company 's retailition against me causing hardship on me financially and my good name since I filed my claim which I should add I tried everything in my power to prevent in emails. The last call from this manger that abused her authority and retailited against me. They tried for a year to deny and prevent me from filing a insurance claim stating I never bought XXXX insurance PMT but I produced my customer copy I had to ask for or she wouldn't gave me a customer copy that we both signed.
Consumer complaint received 2017-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. 
I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )
Consumer complaint received 2017-11-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNTRUST BANKS, INC. (GA)

I have been a customer with suntrust for 10 years. I'm trying to open up three disputes on my credit. Every time I call the rep does not know what they are doing. Normally would only take 5 mins or less and dispute form is emailed. The three disputes are XXXX for XXXX. XXXX for XXXX and XXXX for XXXX XXXX. 

One rep wanted me to hold while he reviews 12 months of notes my account. The manager on the phone didn't know how to open a dispute. One woman couldn't understand to save her life she didn't even understand when I asked for a manager what I was saying. The last person even hung up.
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} ; XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00}