davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

XXXX and Pay Pal have worked together using the virus as an excuse to de fraud me out of money that the seller agreed to pay me back. But XXXX in order to keep the commissions from the seller has made it impossible for seller to refund through normal XXXX  procedures. Pay pal that guarantees to make non received purchased protected by a money back and is making it impossible for me to receive my money back. If you read from the bottom up what I am trying to send you and it is only a portion of the events pay pal and XXXX  have conger ed up holding one XXXX to the distance and the personal contact needed to correct the matter and use the poly of the virus to eat up the time to make the process work as they both represent it as is guaranteed to happen. My bank tells me that they hear this a lot and their hands are tied once I released the funds to pay pal. If they can stay open to take my money they can help me when they have made a mistake. 

On XX/XX/2020, I made a purchase for XXXX. on XXXX. I paid through pay pal immmediatly via pay pal. after I made the pay ment I went back and reviewed my purchase and discovered that the item was not totally correct. Immediatly I cancelled the order and emailed the seller and he cancelled it on his end and agreed not to ship out the items. XXXX in their scam emailed me and said could not cancel because item had been shipped. That was impossible since it was XXXX XXXX  in the morning and XXXX XXXX  in the morning their time. Pay pal and XXXX  refused to refund money until I sent the item back even tho I sent them emails from the seller saying he did not ship the items and would be willing to refund my money. 

It has been three ridiculous, frustrating months which I would like to show you of trying to get this money back to no avail. I live on XXXX dollars a month social security and XXXX I can not afford to loose. You need to see my evidence you would agree that it is a scam. It doesn't appear as tho I will have room on this page to forward it to you.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Oasis Legal Finance Holding Company, LLC (IL)

I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX
Consumer complaint received 2015-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (WY)

I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.
Consumer complaint received 2023-04-05
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. (KS)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-07-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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
Consumer complaint received 2022-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

On XX/XX/XXXX I spoke with Fed loan Servicing who told me that if I consolidated my loans, I would be given forgiveness based on paying said loan since XXXX. I consolidated from XXXX to them per their recommendation. I spoke to someone shortly there after regarding the increase of interest and now having to pay for another 10 years when I had only 4 left prior to consolidating and again I was reassured that my loans would be forgiven. On XX/XX/XXXX again I spoke with Fed loan servicing who now has told me my loans were not and will not be forgiven. I am now suck at a higher interest rate and my credit being pulled to consolidate due to lies. I would have stayed where I was if I would have had the correct information to begin with. Fed loan services lies to get your loans and then lies about forgiveness. I was told by 4 separate people at fed loan servicing that my loans would be forgiven, the last person said that I did not and would not qualify for 10 years. I would not have had 10 years if I did not consolidate based on lies. The last representative also would not let us speak with a manager
Consumer complaint received 2023-04-05
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: ClearOne Advantage, LLC (FL)

I just signed up with Clear One Advantage, a credit resolution company last week ( XX/XX/2020 ) to take over my four credit card balances and provide them payoff offers much less than what I owe, for which I am to place money into their account - XXXX XXXX XXXX in XXXX, OK, for 54 months monthly, to be withdrawn from my checking account. They have given me lots of paperwork online, and the gist of this is : The total I owe is {$15000.00} and they would payoff the creditors approximately {$10000.00}, and their fees would be {$3800.00} included in this amount, so the creditors would only get in the {$6000.00} range. This seems exorbitant, to me -- and they claim I can pay off the balance at any time if I should be able to -- but whatever it is includes their fee. Since I would be paying it off early, why should they be paid for the entire 54 months or whatever period of time is still on the contract at the time of payoff? I am wondering if you have other complaints about these companies? Thank you.
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance {$15000.00}, XXXXXXXX XXXX XXXXXXXX... Balance {$16000.00}
Consumer complaint received 2020-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

Today ( XX/XX/2020 ) I have attempted to apply for a student loan from XXXX XXXX loans with a cosigner. They rejected my application due to unspecified credit reasons by Equifax. Subsequently I tried contacting the customer service number to Equifax provided to me. I have called the customer service number multiples times to reach an agent. However, despite having answered all of the identity confirmation questions, and calling during the proper times, they have refused to allow me to speak with an agent. They make it extremely difficult to contact support outside of automated responses and will not give me more information as to why I can not apply to loans with a cosigner. I'm at a loss as to what to do. I'm a low income college student at risk of dropping out because of the amount of stress I've been going through trying to finance my education. Equifax has left me with a bitter taste by not being available and helpful to me in this time of need.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LYON SERVICES CORPORATION (FL)

Applied for pool loan for {$30000.00} through Lyons financial. They distributed {$15000.00} to my contractor. Due to the length of time its taken to complete my pool project I have decided to reduce my loan amount to only half paid to my contractor {$15000.00}. The customer service agent informed me she was unable to cancel the other half of my loan but I could pay off the loan early. The interest accrues daily on this loan and I do not want to pay interest on my money which I explained to her and my payments will be based on the original amount of the loan so they will be much higher than I want. I repeatedly told her that I do not want to extend to the full amount. XXXX XXXX informed me today XX/XX/2020 at XXXX XXXX that she would have to escalate to senior leadership.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JDJ Investments, INC. (LA)

I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. 

Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXXXXXX XXXX  has been reporting inaccurate information on my report for years. They take innocent people falsify income information to get you approved even with horrible credit scores and have you pay out the Roof! interest rates. 33 States are Litigation with this company. I feel based on the facts I should be eligible. I'm simply asking to investigate my auto history from XXXX and ask for method of verification. I got tricked into paying my account although ; I still disagree with everything they claim to be as negative or charged off. I got rear ended in a car accident none of this should be on my account. Thousands of customers will tell you how much of a fraud company XXXX is.I would like to file a complaint for me being a victim of Deception and Predatory lending practices.
Consumer complaint received 2016-10-25
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

XXXX XXXX XXXX, violation to ( Missouri Revised Statutes Chapter XXXX and Chapter XXXX ) Illegal foreclosure under Missouri State foreclosure laws and procedures. 
May this written grievance serve as a demand for immediate action within Ocwen, in regards to an illegal attempt at foreclosure sale of the property of homeowner XXXX XXXX XXXX.It is a fact that XXXX XXXX XXXX ( XXXX ), has failed to perform the following actions under the non-judicial Power of Sale Notice and Requirements under Missouri State foreclosure laws and procedures. These violations are consistent with no publications indicating an auction sale date, time, location or the property in any of the local papers for XXXX, MO. The XXXX local newspaper publications ' would be " XXXX '' and " XXXX XXXX ''. The auction date time location and property description publications, are required to be run for 20 days leading up to the date of sale. Secondly, there has been no certified nor registered mail to XXXX in regards to a pending sale date on his property. The 20 day publication notice of sale is supposed to be also time lined ,20 days from the date of proof of service of notice of sale ; which XXXX never received. Furthermore, this property is still pending a litigation matter with and active case number of XXXX XXXX XXXX. Your client Ocwen Loan Servicing is also still party to the mention lawsuit as well. We are seeking an immediate halt to the sale date pending for XXXX XXXX, 2016. Otherwise a civil suit will be filed in Missouri XXXX court regarding this matter with request for punitive damages. Additionally, the notice of sale attached was received via regular mail on XXXX XXXX, 2016, which is in violation and has given XXXX less than 15 days to prepare for his defense and is in violation to his legal due process.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2022-01-20
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: CarMax, Inc. (AZ)

XX/XX/2021 I contacted CarMax and allowed them to run my credit as I was trying to buy a car and my credit I was trying to rebuild which I made vary clear to them, long story short, I was approved for a vehicle, when it came time to arrange delivery of the vehicle I told them I would pick up in XXXX, when I called to make arrangements a manager spoke to me and said when you get here I need you to sit at my desk and pull up your bank information in front of me so I can verify everything, I was blown away after I told him what I felt I backed out of the deal, it was clear they profiled me I know this because I have been to prison once for identity theft, which I paid my debt and never repeated, then they proceeded to run my credit over 52 times after I was approved, the CARMAX dealership in XXXX is where all those inquiries came from and I live in XXXX, I've spoken several times to CarMax customer relations I fully admit I did about 15 applications during that time looking but not the 72 times that has appeared and partially still appears on my credit report, I was at a XXXX rebuilding those and partially my efforts took me to XXXX I still need a car and this is delaying it I have my own business on the side and can't do it or get to my job, this the pandemic, the, XXXX XXXX dealerships, it's just like parole it's not set up to help a person who wants to succeed do that.
Consumer complaint received 2023-04-05
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX