davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (SC)

Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.
Consumer complaint received 2017-02-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (NH)

My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Massachusetts Educational Financing Authority (MA)

I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.
Consumer complaint received 2024-08-26
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. (NV)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name : Credit Coll ( Original Creditor XXXX XXXX ) Account # XXXX Account XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consume 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 ) According to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 2024-08-27
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. (GA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-08-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 
I looked at my XXXX credit report on XX/XX/2024 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 general, 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 ( i ) 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
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a XXXX XXXX XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION (FL)

Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had my identity stolen and on XX/XX/year> my card was declined. Someone had cashed a check for XXXX and another check for XXXX. I was left with XXXX dollars in my account. When I called wells fargo they closed my account and opened a new one as well as starting a fraud claim. The next day, XX/XX/year>, Another check was cashed for XXXX dollars. Again I called wells fargo and they restricted my account and started a fraud claim for the XXXX dollars. I ended up receiving a call from wells fargo a few days later. Someone had called and tried to order a replacement card to their address. I went into the bank on XX/XX/year> to speak to someone about the issue. My account was closed completely and the banker called the fraud department to see if there were any updates on my claim. I was told the claim was still under investigation and that I would be called with updates. Today, XX/XX/year>, I received a letter from wells fargo telling me that my claim was denied. The letter was dated for XX/XX/year> which is before I had gone to the bank where they had told me it was still being reviewed. I called the number on the letter and I was told it was denied because they determined it to be me. They said I went into the bank and they verified my ID and that it was close to my home address and that was the reason it was denied. I never walked into that bank. I let them know of that. I let them know multiple times that my wallet with all my cards and ID had been stolen at work. Still the claim was denied. I've filed a police report, frozen my credit with all three credit bureaus, placed a fraud alert with the credit bureaus. I'm not sure what else I can do to prove that it was not me, but I did NOT make those withdrawals. I don't know if they can look at footage to see who actually went in, but again I did not make those withdrawals. They were aware of the stolen identity, they have proof of someone calling them to try and order a new card that wasn't me, so again I'm not sure why they denied the claim.
Consumer complaint received 2024-08-27
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma (PA)

I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.
Consumer complaint received 2024-08-26
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. (SC)

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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 TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXXRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2018-09-28
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: JPMORGAN CHASE & CO. (FL)

After receiving my three ( 3 ) Annual Credit Reports, I discovered that Chase Card Services had flagged my decades old account ( which was never reported negatively ) with a late payment in XX/XX/XXXX.

As such, I contacted the Credit Bureau Support Unit ( CBSU ) of Chase and an investigation was commenced centering around the XX/XX/XXXX period of time. During this period, I was experiencing severe financial hardship due to loss of employment and a reduced pension allowance. I was in telephone contact at least twice in XX/XX/XXXX with Chase Card Services in an attempt to remain in good standing with my payments and requesting relief.

Chase contacted me on XX/XX/XXXX via telephone and explained that one of our telephone conversations had been transcribed from XX/XX/XXXX ; however, only one conversation was eligible for transcription. The reason for this arbitrary and capricious policy was not articulated. The conversation that was transcribed revealed that I was instructed to make ANY payment in order to keep the account current and such action would not impact me negatively. I understood this direction to mean my account would continue to be reported in good standing. Chase 's view of this direction was explained to me as only being advice and not meant to convey favorable reporting of the account. Indeed, a later conversation in XX/XX/XXXX would convey the same direction, but alas Chase declined to transcribe both contacts.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank