davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I have never seem or heard of this company NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Amex reference number : XXXX and XXXX. 

Card were lost and made by unauthorized people. The representative kept saying I gave the account number to someone else when I didnt. She blamed on my parents for using the card but there were miscommunications. My parents did not use my card.
Consumer complaint received 2022-10-07
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)

Delete Late payments from XXXX XXXXXXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  SC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (CA)

Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account corrected at once : XXXX XXXX  XXXX
Consumer complaint received 2022-11-17
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. (CA)

I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... .Please remove the items ASAP : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My understanding is that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account in my file : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2022-11-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation (GA)

I had a payday loan with COVINGTON, always on time until I filed for bankruptcy, it was withdrawn I was expecting COVINGTON to resume taking payment instead without any notice they closed the loan and written of this loan as a bad debt and sold it to third party for collection.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. ()

I applied to a bunch of Universities in the US for my son through the XXXX XXXX. The application amounts ranged from US {$55.00} to US {$90.00} and there were a total of 9 transactions. The payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US.

I have been charged a total of US {$19.00} for the XXXX payments towards " Foreign ATM or POS Fee ; Exchange Fee '' as per the following details : XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee These charges do not make any sense to me and I have requested Citizens Bank to waive them off. But they have refused to do so. This seems nothing but a clearcut case of extortion on the part of the bank. They have charged me a 3 % fee by labelling these transactions as international. This is wrong because the payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US. The entity that processes the payment is also a US Based entity ( XXXX ) and they have clearly stated that they do not charge any additional fee for the use of cards issued by US financial institutions. The receipts issued for each of these transactions has been attached in the form of a PDF file.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OK)

When I signed up for paypal credit they offered a XXXX no interest loan for all purchases. When I stopped making purchases I was around {$2100.00} in credit used. My payments were around {$30.00} which was in line with the {$2300.00} credit line I have on my credit card with XXXX  XXXX. After a few months my credit used went up without me making additional purchases and the amount I had to pay that month went up also. When I contacted them they said the offer I had used when I purchased had expired. This didn't make sense but I assumed it was a one time thing. Since that time the maximum amount owed and the monthly payment has skyrocketed to over {$3200.00} now. 
They told me several times, oh, just make this $ XXXX dollar payment this month and things will go back down to {$30.00} like its been.. THEY LIED! 
They claim I made a cash withdrawl for {$600.00} and charge me $ XXXX in interest. This is on a 29 % annual interest rate. There is no way in heck 2.5 % /mo int on {$600.00} is {$7.00}! 
When I try to examine where my payments have been going and whats been paid and what hasn't there is no record. 
I spoke to them at length about all this and was basically told they are right, i'm wrong so pay the bill. I got so frustrated and angry with them that I demanded they close the account and that no further payments would be coming to them until either they fixed things, or litigation had completed and I was ordered to pay them more funds. 
I also demanded paperwork for every transaction since the account was created and after roughly 14 days I received it but it is not understandable. 
I feel that they have unfair and possibly illegal lending practices and do no intend to pay them until this matter is resolved by some 3rd party. In the mean time they are destroying my credit.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Hallstrom Law Firm PLLC (AZ)

The Hallstrom Law Firm obtained a garnishment in XXXX 2021.Like I stated earlier I was never served, does not matter what my address shows, if I was not staying at the house and XXXX was not properly served, it should not have been valid. However, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is XXXX XXXX who is on the way out, and would sign anything a debt collector put in front of him. My wages have been garnished for a total of {$2600.00}. In addition to the amount they claim I owed they are charging 31.24 % interest plus another 5 % interest for a total interest rate of 36.24 % which should be against AZ usery law. According to my records I should only owe around {$330.00} so I requested a settlement for the amount I have already paid. From the paperwork they provided me the credit limit was {$500.00} and they charged me over {$320.00} in fees. So in essence I am being charged 500 % of the original credit which is robbery. I am XXXX years old, I recently put my XXXX XXXX XXXX mother in XXXX. Im not a wealthy woman and this collector wants to take every last dime. They would rather put me out on the street than to settle for the {$2600.00} I have paid since XXXX. In todays economy its especially bad. Its not like I an take a second job to earn extra money. I believe these collection practices just border on the barely side of legal.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBK, Inc. (KS)

In XXXX of XXXX, my employer began garnishing my wages. I then learned thru phone calls that this garnishment was for XXXX XXXX XXXX XXXX XXXXXXXX XXXX fines that went as far back as XXXX. As I did further research I found out that some of the fines that were included in their petition were incorrect. I talked with the the Court and they have yet to offer me any remedies. The company is called Collection Bureau of Kansas out of XXXX, Ks.
Consumer complaint received 2022-11-17
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. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (VA)

My name is XXXX 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 reports no consent is fraud.