davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Account Servicing, LLC (MI)

I have been receiving threatening phone calls regarding a loan for educational services through the " XXXX XXXX XXXX '' As you can see below the company has an outstanding injunction against it and should attempt any collection until it has been resolved. I spoke directly to " Universal Account Servicing '' @ XXXX and informed them of the injunction and told them I do not have any issue making payment on the condition the issue in the injunction has been resolved. SEE DETAILS BELOW. 

IN REGARDS TO - FTC Obtains Preliminary Injunction Against Investor Training Scheme XXXX XXXX XXXX XXXX is temporarily barred from imposing late fees or additional interest if consumers withhold payment on loans XXXX made to customers, prior to XX/XX/2020to finance purchases from the company. XXXX is also prohibited from using collections agencies to collect on the loans, and from selling the debt to others or reporting consumers to credit bureaus for non-payment of the loans. 

https : XXXX XXXX XXXX XXXX  PLEASE CONTACT " Universal Account Servicing '' @ XXXX inform them that they are prohibited to collect on loans per the injunction. 

thank you XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020, I called Marcus  by Goldman Sachs bank to close my savings account which i have had for over two years.. I was told they would wire transfer my money to another bank where I have an account. Instead without ever contacting me they froze all my funds and locked me out of my account. I called them on the phone and they told me they can hold my money for any reason and for as long as they want and don't have to tell why, They then told me they are mailing me papers i have to have notarize and return before they will discuss my account with me. 
So basically they have stolen all my money without any explanation and who knows when I will ever see it again.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-09-13
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. (FL)

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX  XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report # XXXX  to the FTC and have attached it below along with my identification info. I repeat. You denied my previous submission because I did not include the Identity Theft report # XXXX even though I attached the report. I assume you will remove these fraudulent charges according to the law now that Ive followed your procedures.
Consumer complaint received 2022-04-02
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX  is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.
Consumer complaint received 2020-07-20
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. (SC)

XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I made a purchase from a fraudulent company, XXXX ( XXXX XXXX XXXX ), using Paypal on XX/XX/2020 in the amount of {$99.00}. XXXX also claims payment is for item " XXXX  XXXX Item 1 '' and uses a personal email address " XXXX '' for their paypal account . As soon as the order went through and I didn't receive email confirmation or the order, I emailed and called the seller immediately to no avail. I got a gut feeling being a fake website/ scam, I immediate on the same day of the transaction XX/XX/XXXX ( within couple of hours maximum ), logged a dispute with Paypal stating this to be scam. So they should stop processing the transaction, which they never did and proceeded without proper investigation to allow funds being transferred to the scammer. 

On the dispute with PayPal and XXXX provided a fake tracking number ( for a order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. I notified PayPal, that I have video surveillance in my house and do not show any deliveries from XXXX  that day either. Again to no avail and no investigation. 

Paypal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. I have provided these to Paypal and they never investigated and closed that dispute either to no avail. 

XXXX XXXX XXXX # XXXX XXXX XXXX   Additionally, The XXXX  tracking shows delivery to someone else 's address within same city of an item of 10lbs weight. The item I purchase a basketball hoop weighs well over 120lbs as per description on XXXX, XXXX XXXX.. Paypal has done no investigation on its part and just closed the case without proper communication and investigation into this matter and also has not safeguarded buyer 's and has left them vulnerable to fraud/scam by still allowing these sites to operate on their platform. 

While talking to a customer rep at paypal he agreed that proper procedures need to be implemented and that I " will not lose a penny with Paypal '', but that has not been fruitful either. There's no buyer 's protection that paypal touts and is deceptive in its tactics. Their platform may be serving criminal money laundering activity and the do not perform proper KYC/EDD/CDD checks on their merchants. 

Transaction ID : XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX I Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report
Consumer complaint received 2020-08-21
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TN)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I had an auto loan with Ally financial with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay Ally but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and Ally will report the balance as zero, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with Ally is XXXX.
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX I was on XXXX when I saw tickets for a concert for sale. I contacted the seller via text message as the number was listed and thats how communication was requested via seller. I used the Zelle App via my XXXX account and transferred XXXX $ to the seller for the tickets. They then stopped communication. I trying to get in contact with them from a different number they stated that the tickets were still for sale even thought i technically bought them and would never receive them. I contacted XXXX and was told that I may not receive the XXXX $ I paid for this scam back.
Consumer complaint received 2022-09-13
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING.

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
Consumer complaint received 2022-04-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Shore Financial Services, LLC (UT)

XXXX United Wholesale Mortgage loan recast from $ XXXX to $ XXXX. 
XXXX XXXX {$95.00} Mortgage Insurance premiums ( XXXX ) still being charged. A formal removal request sent XX/XX/22 XXXX {$510.00} paid for reported escrow shortage XXXX statement with XXXX {$95.00} PMI charges
Consumer complaint received 2020-08-21
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (GA)

on XX/XX/XXXX I contacted XXXX XXXX to pay a old debt was on my report XX/XX/XXXX as a charge off the company offered a settlement to pay account in full of XXXX and told me they would update my account with XXXX XXXX and contact them, well they did not I had to contact them twice to get a letter stating account settled in full .now XXXX XXXX has reported a charge off on my credit report a month past due on my credit written account off yet again on remainder balance of of XXXX which I had told them I would pay full amount on the phone at collection agency .I should not be getting hit with something when I have a letter saying account balance XXXX account setteled in full they have ruined my score it has brought my score down by 30 something points this month I had just moved up from the fair mark I have worked very hard to clean up my past mistaske this is taking to long to fix when it is clearly in black and white this is very unfair and unjust
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had an auto loan with XXXX XXXX with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is XXXX.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX2019 I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account ( screenshot attached ). I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA gave a partial refund, but said they could not issue a complete refund for this outrageous fee because they said it's a Federal Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.
Consumer complaint received 2019-06-01
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: SYNCHRONY FINANCIAL (GA)

1 ) Submitted dispute to all three reporting agencies in XX/XX/2019 regarding Syncb ( Synchrony Bank/Paypal ) 2 ) The company, Syncb verified as reporting correct 3 ) Contacted Syncb directly XX/XX/2019 ( certified mail ) to investigate incorrect reporting info ( re-ageing account ) ( pay history ) 4 )  Contacted Syncb directly at different address per credit reporting address on XX/XX/2019 ( certified mail ) 5 ) Received response from Syncb advising sold account to XXXX XXXX, they did not address dispute issue ( re-ageing ) ( pay history ) 6 ) Submitted letter to Syncb XX/XX/2019 ( certified mail ) disputing account after dispute findings per FCRA 7 ) Syncb replied with letter dated XX/XX/2019 to contact XXXX XXXX 8 ) Sent reply letter XX/XX/2019 ( certified mail ) intent to sue letter
Consumer complaint received 2019-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (MD)

I applied for a student loan from Wells Fargo Education Financial Services dept. in Spring XXXX. Upon receiving approval for {$15000.00} at an interest rate of 12.99 %, I later came to understand that the loan was serviced in a subprime lending manner, per, the interest rate at the onset of receiving official notification that I was in fact, approved for the amount stated previously. Albeit, the statute of limitation on this loan has extinguished yet, I am still being charged although this is in violation of Texas state law as well as federal law as well, per, FDCPA. Statute of Limitations is defined as-The limited period of time creditors or debt collectors have to file a lawsuit to recover debt. The continuation of the existence of the Student Education Connection Loan, per, account number : XXXX has caused credit reporting concerns which have been adversely affected by this occurrence. I seek complete rectification and discharge of the loan. Wells Fargo has been contacted by my person and responded. In response they state that their Research and Remediation executive office have received my initial complaint and that it is under review, yet as a XXXX employee, I still face enormous fees per month for alleged payment owed on this student loan. This is in violation with the Texas Debt Collection Act. The description provided explains fraudulent, abusive, and misleading tactic used to collect on this debt which is over 10 years old. How can I be subject to paying a student loan which is in collections, when Wells Fargo also has not been transparent and accountable with regard of the lawfulness that they allegedly have to function as an " authorized debt collector '' in a jurisdiction that I as the consumer do not reside. In the likes of statistical data, In XXXX, Texans had an average student loan debt of {$26000.00}, which was well below the national average of {$28000.00}. Still, given the fact that the student loan debt increased by 61 % in the state from XX/XX/XXXX-XX/XX/XXXX while inflation increased by 22 % its a sizable issue. As I was in school at the XXXX XXXX  XXXX, I dealt with the disparity divested, per, being part of a student loan debt loan of 61 %. Moreover, I request modification from reporting this matter to any and all credit bureaus. In closing, it is my hope that this matter is given adequate and transparent examination and official response. At this time I have been compliant with the request of the lender, due to the threat and duress of prospective credit reporting by lender in retaliation.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called Amex and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.