davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX  XXXX XXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with chase in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls Dailey. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Upon receiving Military orders to XXXX XXXX, XXXX, Credit Acceptance said they do not allow the transfer of vehicles out of the country. I provided the orders and the vehicle was surrendered under these circumstances. While in XXXX, i was alerted by my security manager that my vehicle had been stolen. I contacted Credit Acceptance and learned that the vehicle was stolen from XXXX XXXX XXXX not me. Credit Acceptance continued indicating late payments on my credit report while the vehicle was stolen from there care and not mine. I addressed this issue with the company and was assured they would fix this. Over a year later, I go to purchase a home for my family and this is hindering me from moving forward. They insisted I fill out a dispute form and return. I refused due to this being an ongoing issue. My next step is this and then a lawyer seeing there are now damages. I will attempt to have this rectified through this agency.
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

I sent a dispute letter to Paramount Recovery regarding an alleged debt on my credit file in the amount of {$730.00} account # XXXX. I have attached a copy of this letter. Paramount Recovery received this dispute on XX/XX/22 according to the signed receipt from the USPS ( attached ). As of today, XX/XX/22 Paramount Recovery has not responded nor have they sent any notice regarding this alleged debt. Paramount Recovery as violated 15 USC 1692g and therefore must deleted is " Unverified '' " Invalid '' account from my record.
Consumer complaint received 2022-09-23
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 (SC)

I am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. 

Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. 

On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. 

In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). 

Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. 

I have been to the XXXX  and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. 

The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). 

I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). 

This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.
Consumer complaint received 2024-09-09
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. (NC)

RE : Inaccurate Reporting Recently, Ive reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681i all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When i opened account on XX/XX/2020 i was told this was a senoir account, and would not be charged any fees, when I saw fees i went into branch to fix this and clsoe account on XXXX they told me they woudl refund fees if i kept account open and switch to paperless billing filled complaint XXXX my account was put on hold many times where i had to go in branch to unfrezze account and that when they refused to cnacle
Consumer complaint received 2022-09-06
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery bout my charged off paid of debt from XXXX XXXX. XXXX continues to harress me about this chsrge off. It should be remove from my credit report because it is illegal to continie to harass me
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union Bank closed my account after several times of asessing fees. After I transferred {$20.00} from my savings to checking then XXXX  it elsewhere leaving it empty waiting for maintenance fee to be assessed now they have negatively impacted my credit standing as well as additional fees in my saving account now placed in the negative. After siphoning out of account for ovsr the last year.
Consumer complaint received 2022-09-26
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: WELLS FARGO & COMPANY (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

We have made several attempts and requests to have the PMI removed from our account. I submitted formal paperwork along with the required payment in XXXX. Since then, I have contacted PHH Mortgage requesting an update on my request. Each time I have been given a courtesy email stating they need 10 days to process my request. I received an email from my mortgage company wanting me to refinance my loan and stating the value of my home was more than double what I owed. When I confronted them with this information and asked again WHY I was paying PMI, I was again given the 10 courtesy email. I called and was told unfortunately nothing had been done with my request. When I expressed to them I wanted it handled before my XXXX payment or I would seek another Mortgage company, I was assured this would be taken care of. Today I received a letter stating they are no longer servicing my loan .... no refund of my required payment for the consideration for the PMI removal that was NEVER even reviewed ....
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

I presently have reported that I have a stalker and it is documented with federal agents. We have military and former FBI agents that have been altering and doing identity theft since XXXX in my accounted. My address was XXXX XXXX XXXX XXXX XXXX, Ca XXXX mailing address is XXXX XXXX XXXX XXXX Ca XXXX. I am in XXXX, IL and I am presently being stalked and harassed as documented on TV. I am unable to work due to this as they are a danger to the community. These are 8 FBI agents that have been fired from California in XXXX to present. Attempting to get us to change or statements and all evidence we have collected from their false investigation caused by community sell or give to Arizona as known to the school named as they had some on their campus.
Consumer complaint received 2022-09-23
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. (VA)

This account is inaccurately reporting and I've demanded Transunion to remove and discharge but they refuse. This account was verified as inaccurate by both XXXX and XXXX. They have accurately updated my reports. Transunion is aware of this and still refuse tor remove or update the account accurately. This is intentionally keeping me for gaining access to capital. I've sent an affidavit to their attorneys XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They are still refusing to correct my consumer report. 

I've sent this request before. XXXX verified the account was inaccurate and removed it via complaint XXXX. Transunion did not remove nor provide copies of the XXXX XXXX documents requested to validate their findings. The complaint # XXXX. 

I've also asked for an inquiry, XXXX XXXX XXXX dated XX/XX/2022 to be removed. This is not my inquiry and I demand it be removed. 

It is your responsibility to make sure I'm treated fairly and my consumer rights are still being violated from this issue. Please assist me with resolving this matter this time.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-11-22
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-06-16
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: EQUIFAX, INC. (FL)

N accordance with the fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C1681 section 604 A. 2 it also states A consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I went to which I thought was XXXX to place a bid on an item to find out after speaking to XXXX it was not part of their website although it looked identical. I bid {$3000.00} for an item and the bid was accepted and the form of payment was a bank wire in which I sent. After speaking to XXXX they have no record of the transaction and I was scammed into thinking I was dealing with XXXX since I rarely use their site. Once the bid was accepted via an email I received from XXXX ' with the name of the individual of XXXX ' began the communication of payment. I wired the money out through my XXXX brokerage account and when I asked XXXX to see if they can reverse the wire they were not able to and was sent to JPMorgan and all the details of where it was sent is below In addition an individual named XXXX with an email address of XXXX was the contact individual that I thought was accommodating this transaction and have all the emails between us if needed for additional information Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? Yes Victim Bank Name : XXXX - Brokerage Account Victim Bank Address : Victim Bank Address ( continued ) : XXXX Bank XXXX Stop : Victim Bank City : Victim Bank Country : United States of America XXXX Bank XXXX XXXX Virginia Victim Bank XXXX XXXX : Victim Name on Account XXXX XXXX  Victim Account Number : XXXX Recipient Bank Name : JPMORGAN CHASE Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America XXXX Bank XXXX : Florida Recipient Bank XXXX XXXX XXXX XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXXXXXX ), all have 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 an account without my written instructions
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On the day of XX/XX/2021 I signed a contract with XXXX XXXX XXXX. At the price of {$44000.00}. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named XXXX in XXXX. Per the Congressional finding of XXXX as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract XXXX XXXX did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. I understand that I no longer have the car but will like my down payment money returned to me. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MN)

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY, XXXX United States Phone : ( XXXX ) XXXX This company FROZE my account for no good reason and now will not UN -Freeze the account it has been XXXX  days now and I can not get my money out. 
I sent all the necessary proof of ownership to the account but to no avail. 
After reading MANY posts on this Company its quite common for them to NOT verify or Un Freeze accounts for no reasons. Just get the run around.