davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Credit - Credit Repair Centers (CA)

I own private property in XXXX XXXX. I own several parcels of land which are bordered by a fence. This company placed credit repair signs on my fence. I removed these signs, but new signs were placed on my fence again. This has happened several times over the past year. This company is trespassing onto my private property and placing signs without my permission. The sign reads Fix Your Credit XXXX XXXX. When you XXXX the number, its comes up as American Credit Repair I called the number and they identify as American Credit Repair. I asked them to stop advertising these illegal signs, however, they keep putting the signs back up. Moreover, this company has admitted guilt on the XXXX  website ( they also have an F rating. ) Placing signs on public and private property without permission is a misdemeanor in the state of California. Please sanction this company. 

Also, their contract states they are a non-profit corporation, however, they are not a registered 501 ( c ). I have a copy of their contract. This is a violation of consumer protection laws.
Consumer complaint received 2022-09-22
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 — Problem with personal statement of dispute
Company: ProCollect, Inc. (CA)

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation.

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

PROCOLLECT INCXXXX 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 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX EST ) I decided to make this formal complaint. 
XXXX XXXX XXXX EST ) I received a voice message from XXXX XXXX. He stated that I should telephone XXXX and tell them that I was calling about a lost check. I called the number. After an exhausting amount of time on their very hostile menu system I talked to a person who was not in the XXXX. I asked him to transfer me to someone in the US. He put me on hold and after 2 minutes terminated the call. I tried calling back with horrible and extremely taxing results and finally was unable to reach anyone. 
XXXX XXXX XXXX EST ) I received a phone call from XXXX XXXX XXXX XXXX XXXX. He asked me my social security, date of birth, and, security password. I gave it to him. He then said that he would look into this matter for me. I thanked him. 
XXXX Phone with XXXX at XXXX XXXX XXXX XXXX. I told her that I had not received any contacts from Citibank. She said that it would take a little while. I told her I would call her every week to get an update and she then said she would call me every Wednesday to provide an update. 
XXXX Received a call from XXXX at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX she told me that she had initiated a Citibank XXXX and that I would be contacted and then my {$310.00} would be sent to my home. 
XXXX Called XXXX and told him his branch manager had not contacted me. He said he would follow up with the branch manager. 
XXXX XXXX called me and let a voice message stating that his branch XXXX would review this complaint. 
XXXX No satisfaction from Citibank 's extensive phone menu or their worldwide answering machine. I then called their bank in XXXX and talked to XXXX at XXXX. XXXX listened to my inquiry, then looked up my account, then said that he would have his branch manager review my complaint. 
XXXX I called Citibank again. I ask for a review of the claim and to find where the check is for closing my account. 
XXXX I called Citibank XXXX number. I told them that I had not received a check. They told me they would review the situation. 
XXXX Closed the checking account during a phone call with XXXX. She closed my account and said that they needed 10-15 days for a check XXXX {$310.00} XXXX to arrive at my residence.
Consumer complaint received 2022-09-22
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

This complaint is to establish a written record of my communication with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of PayPal to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a XXXX XXXX XXXX XXXX specialist today after receiving a notification letter on behalf of PayPal regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to PayPal and will file a police report. 

Thank you
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

I disputed several companies on my report along with a police report indicating that i am a victim of identity theif the items were removed after invesigated and then place back on my report from other collection agenices numerous times making my credit score drop with false information when I also have a fraud alert placed on my account to verify my identity
Consumer complaint received 2021-12-08
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: Chime Financial Inc (NV)

I received an unsolicited credit card from " Chime '', when I tried calling the company they did not answer and instead informed to send them an email at XXXX. I have never opened an account with them.
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector. 
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago. 
This time they only collected {$170.00} in fees from me in XXXX. 
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit. 

In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it. 

I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit. 

So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit? 

Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault??? 

I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes. 

It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX. 

I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage. 

Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance. 

I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX? 

I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest. 
cheers
Consumer complaint received 2021-04-02
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: ECMC GROUP, INC. (GA)

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and XX/XX/XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
Consumer complaint received 2022-09-22
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)

The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AR)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. PayPal customer support wont even try to figure out the reason why they closed my account. I've been with paypal since 2008 with no problems at all until now. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (IA)

In early XXXX I went to the company 's website to pay my credit card balance in full. The company 's website gave me a balance and I proceeded to pay online - using THEIR online payment method - to pay the amount THEY gave me. Nothing noted on the website to CALL them for a balance to pay off. In retrospect, calling their XXXX # was a joke and took way too much time to talk to a human. After paying a nearly $ XXXX balance they charged me {$43.00} in interest and said it's 'valid ' upon numerous calls to them. One representative told me it's a 'daily interest charge ' yet they can't display that on their website to tell consumers this. She also indicated while it's daily we only give you the balance monthly. How can anyone pay off their balance in full online when this is the case - especially with NO DISCLOSURES. I have since shredded my card and the account is closed yet they are admit I owe them {$43.00}. Front line reps were rude and one of the two supervisors proceeded to hang up on me. I understand that the charges were potentially 'incurring ' from the prior month but they need to clearly disclose this on their website when someone is making an account payoff in good faith.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (SC)

On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per  South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. 
XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. 
XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 
I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. 
Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. 
I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!
Consumer complaint received 2022-08-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - {$2400.00} XXXX XXXX XXXXXX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}
Consumer complaint received 2022-06-24
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX. 

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # U XXXX XXXX XXXX Has Violated My Rights XXXX XXXX XXXX XXXX XXXX XXXX States I have a 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.
Consumer complaint received 2019-08-27
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: EQUIFAX, INC. (NJ)

Equifax wont remove this inaccurate fraudulent information from My account I will sue them if they dont each violation is {$1000.00} fine XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$23000.00} these are all fraudulent accounts
Consumer complaint received 2021-04-02
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: AES/PHEAA (GA)

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount Fedloan Servicing XX/XX/XXXX {$37000.00} XXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (SC)

I purchased a XXXX Honda XXXX in XXXX of XXXX. It was a lease program with a balloon payment system. I paid on the lease every month in a timely manner, never missed a payment and never late. My payment records with Honda Financial will reflect this. At the end of my lease maturity ( XX/XX/XXXX ) there was lapse in when my payments for the lease ended and hearing from Honda to refinance my car via a loan through their bank. I did not hear from Honda for refinancing until XXXX of XXXX. I was sent refinancing paperwork which I signed and sent in. I also made payments on the vehicle in XXXX, XXXX, and most recently on XX/XX/XXXX. On XX/XX/XXXX I received another phone call from Honda Financial stating that they hadnt received my signed refinancing paperwork and that it was very urgent I sign and return them. I explained that I had sent them weeks ago, and requested that a new set be sent immediately so I could sign and return them. They did not mention on the phone call that my account was delinquent in any way. On XX/XX/XXXX, the next day, my car was seized for delinquency. When I called Honda Financial, the only explanation they gave me was that my account was delinquent. I explained that I had requested new paperwork because the first set mustve gotten lost in transit to them. Just to reiterate, I was still making monthly payments on the vehicle even though the paperwork was not in place. I never defaulted on a payment. After waiting the 24 hour time period for them to update my account, I called back and they stated that I could only retrieve my car by paying the total amount due ( over {$14000.00} ) or having my car refinanced through a different lender. Nearly three years as a consumer at this finance company, never missed a payment or delayed a payment, and my car was taken from me over paperwork that got lost in the mail. They have my physical address, email, etc and I never received any notice that this was happening. Im truly at a loss.