davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (PA)

It has come to my attention that Mariner Finance has acquired and shared my information to other companies without my written permission. According to XXXX XXXX XXXX  - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX  ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of XXXX XXXX XXXX ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy.

Furthermore, this account is reporting negatively on my consumer report when it is paid in full. On my XXXX and XXXX is it reporting as a derogatory mark which isn't accurate and is hindering my consumer report.
Consumer complaint received 2021-03-09
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. (NJ)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX claim # XXXX XXXX # XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XX/XX/21 - XX/XX/21 in between these dates there was Fraud use I called Bank of America as soon as I was not receiving my debit card which they had told me it's already been activated and used and for one I filed a complaint that day when I found out my money was taken out with Bank of America they gave me credit for most of it except for the {$6000.00} and {$5000.00} they didn't give me credit for but the rest they did they keep denying my claim saying that customer is reliable so okay I let it I asked him for their supporting documents so why they made the decision and they sent me a picture of a male at ATMs in Florida using my card with a mask covering his face I sent them my supporting documents my ID paper showing where I was around this time and they still keep denying my claim as it's already been going on for a year now how are they going to give me credit for the other ones but then last two claims they're all happening around the same time they won't give me my credit for them like if they were investigating right they would see that it was not me that's totally someone else and it's not even nowhere near where I'm at I just need to give me my credit or investigate the claim better because I feel like they ain't doing nothing they're just as soon as they get it they deny it and I reopen it back up that's not fair because it clearly shows how am I responsible for that and I already done coping XXXX XXXX XXXX and then put so many file complaints in and it's past the 45-day mark and it still ain't made a decision and every time they go look at it as soon as they look at it for my credit for my claim they deny it and the documents I sent it clearly shows it's not me and it's not nowhere near where I'm at I even sent them mine documents and still I just feel like they ain't looking at it or ain't investigating it right and it just like just keep denying it and kind of give me my money
Consumer complaint received 2022-05-03
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (VA)

Purchased a vehicle for {$24000.00} in XX/XX/XXXX. Vehicle was totaled on XX/XX/XXXX. XXXX XXXX Received a check for {$12000.00} and a check for {$7300.00} all with in a two month span. They reported the credit bureau a lesser amount and also have me paying {$3500.00} in interest. They no longer have the title and are under reporting on the credit report stating that I will be finish paying the loan off in XXXX. It 's already paid off. They said today they waived {$6000.00} in interest. Where? I should not owe anything.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

My Discover Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. Discover Student Loan is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and Discover is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Consumer complaint received 2018-06-28
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: AMERICAN EXPRESS COMPANY (GA)

I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report
Consumer complaint received 2015-09-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF THE WEST (CA)

I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-13
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: DISCOVER BANK (IL)

I purchased a watch using my Discover card through XXXX. The watch arrived broken. I disputed through Discover. The merchant ( XXXX watch ) and I came to agreement to resolve the issue after which I closed the dispute with Discover. XXXX never received notice that the dispute had been closed. XXXX officially closed the case on their end, siding with me, not paying the merchant, because they never received notice from Discover that I had closed it and it should go in the merchant 's favor ( them getting paid ). Discover went ahead and charged me again for the full amount on XX/XX/21. To recap : I dont have the money, XXXX XXXX have the money, the merchant doesnt have the money. Discover has the money and they refuse to accept an email from XXXX saying XXXX doesnt have the money and never got information saying the dispute had been settled in the merchants favor as proof. Discover is sitting on my money claiming they dont have it and they wont do anything about it. They wont let me open a new dispute because they say it cant be done twice on the same transaction.
Consumer complaint received 2023-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We have a mortgage through Penny Mac. We moved in XX/XX/XXXX. Our taxes were {$790.00}. This XXXX we get slapped with a bill for $ XXXX and our escrow is empty when we paid {$100.00} extra a month! Instead of {$1400.00} we pay {$1500.00} so NOW XX/XX/XXXX our mortgage comapny says that they paid last years taxes they have totaled at nearly $ XXXX with interest, late fees, and other nonsense charges in addition to THAT we also suddenly owe $ XXXX RIGHT NOW for XXXX taxes!!! We are first time home owners, my husband is in law enforcement : we do not have an extra $ XXXX a month that they are demanding! We picked a smaller home bc we KNEW we couldnt afford a larger payment we have XXXX children! For our payment to jump from {$1400.00} to {$2300.00} is absolutely unacceptable!!!! This was PENNYMACS ERROR - and now theyre making US pay for it. ABSOLUTELY NO FOREWARNING and if we dont pay it - we get foreclosed on!!! We are all scared and freaking out! I didnt even know this could happen!!! This is why we got a FIXED INTEREST RATE so it WOULD NOT HAPPEN - YET HERE WE ARE!!! I am just absolutely sick with worry. We could barely afford the mortgage as is! Please help us! XXXX We have called and called and sent documents after document trying to resolve this and no one will help us!!!!
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was a member of USAA Federal savings bank for 17 years. I got my first account there at age XXXX, I was able to get this account because my deceased father was an XXXX XXXX XXXX. I used USAA for checking, savings, car and renters insurance. They recently closed my accounts stating they couldnt give me a reason as to why they did, I spoke to many managers and refused to hang up without an answer and after two hours on the phone they ended up telling me someone would call me which of course they never did.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, XXXX, and Transunion are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXXisease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Consumer complaint received 2022-01-25
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: DISCOVER BANK (OR)

I purchased concert tickets using my discover credit card. I was notified by XXXX that the concert was cancelled and that I would get a full refund in 30 days. After 30 days passed, I didn't see the credit placed back on my credit card, so I called Discover to file a dispute. I filed the dispute on XX/XX/XXXX. I just got notice on XX/XX/XXXX that the provisional credit that Discover had given me is now being removed and my dispute have been denied. My wife brought to my attention that Discover had violated Regulation E. I called Discover back and gave them permission to speak with my wife. My wife had informed them they had violated Reg E and asked why they are so behind with their processing. They gave her an excuse that they are behind with their work, but would not acknowledge what my wife was telling them as if they were avoiding the facts of the regulation. They promised to call in 48 hours. It has been 4 days and we have not received an email or a phone call.
Consumer complaint received 2022-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (CA)

In 2019 I bought a monthly service with XXXX and was not aware that they signed me up with a loan by GreenSky. They took my SSN and didn't tell me that this was a loan. Instead, they told me that this was a monthly payment. Until recently I just found out it's a loan and it's charging me 27 % interest rate. The original amount was 3000, and the interest is 2000.
Consumer complaint received 2022-01-25
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. (IL)

account name ; XXXX  account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed 1. ) XXXX XXXX 2. ) XXXX
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Hi I am having trouble with my mortgage company not reporting to credit reporting agencies. Ive asked him time after time to please report this to the credit bureaus but they refused to Ive had the same mortgage for 17 years and still they have not reported it to the credit bureaus. Im just wondering if you can help me find forcing them to reported to the credit Burroughs
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (DE)

THIS A ANOTHER AGENCY TRYING TO COLLECT FOR EQUIPMENT I HAVE ALREADY TURNED INTO XXXX. I HAVE ALREADY AND REPEATEDLY SHARED WITH XXXX AND THESE FRIVOLOUS DEBT XXXX THAT I HAVE TURNED IN ALL EQUIPMENT TO XXXX STORE OVER 3 YEARS AGO. 
I AM STILL AND CURRENTLY A XXXX CUSTOMER FOR ALMOST 2 YEARS. 
IF I OWED ANYTHING WITH XXXX. I WOULD NOT HAVE BEEN ABLE TO RETURN AND HOLDING AN POSITIVE STANDING ACCOUNT FOR 2 YEARS PLUS WHEN I WAS WITH THEM BEFORE 3 - 4 YEARS AGO. 
THIS DEBT IS NOT MINE AS I HAVE TOLD THE OTHER DEBT COLLECTOR XXXX. INSTEAD THEY CONTINUE TO STRESS ME OUT ME OVER EQUIPMENT I HAVE RETURNED TO THEIR STORE AND SELL MY NAME TO OTHER DEBTORS. 
PLEASE COMPENSATE ME FOR ALL MY TROUBLE OF HARASSMENT. 
THANK YOU
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (OH)

I have been in contact with this company since  XXXX   2016  regarding my balance on my account. There was a double transaction made for a purchase someone did with me  and   one of  there charges was disputed. Since then my account was permanently closed but I still have a {$500.00} balance remaining that they will not release. I have called and emailed numerous times and keep being told to verify identity and afterwards I 'm told the account has to remain closed. I have expressed I will NEVER use them again so it is fine to close my account but I am entitled to my money. I contacted someone on  XXXX   XXXX  and after looking they had me send in a form for a Google wallet balance refund request and I was advised that it would take 10 days to deposit into my account. I called back on  XXXX   XXXX  and spoke with someone else that said it was don e but a specialist ne eded to review the account and how they had been trying to refund since last year but the bank account on file was no longer active. I was told I would get a follow up on  24-48 hour s and again I heard nothing!! I called back again on  XXXX   XXXX  and a representative had me refill out the form while he was on the phone and ensured me I would be refunded my balance on the account. However the next day I received an email saying he sent it to a  specialist  and they have to investigate prior to my refund! It has been a year and 7 months this company had my money. How much investigating can you do!!!! I would never recommend this service and for it to be  Google  o expected way better service than what I have been given. I will be closing every last gmail service accoun t I o wn and never using them again!!!
Consumer complaint received 2016-02-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/22 I contact Experian to dispute my incorrect my last name XXXX XXXX that was on my credit file. I was told I could not remove the my previous last name because it has to keep the history. I had contacted XXXX the same day and they removed my previous last name with no problem. 

Theyre keeping the last name because its attached to XXXX XXXX XXXX XXXX account that I have no idea who it is it or the creditor XXXX of the collection not on my credit report.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (OH)

I got a call from my employer that XXXX XXXX called stating I was in trouble and to avoid having sheriffs come to work to XXXX me they needed information about me. My supervisor did not give the lady info but called me. So I called and she was extremely rude and said I needed to pay her XXXX right now or she would send it to legal and garnish my wages. I kept asking her for more information and that was making her very angry. She did not want to me to call and verify anything and because I wanted to verify some information before continuing the conversation she screamed at me that I had a XXXX past and she was pushing it through to legal. It was for a credit card for {$300.00} from XXXX XXXX.