davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cashco Financial Services, Inc (NV)

On XX/XX/XXXX, I noticed a {$380.00} deduction on my paystub. I had no idea what this deduction was for and inquired with my HR department. They immediately mailed me paperwork regarding this garnishment, and then XX/XX/XXXX, I received paperwork in the mail from XXXX XXXX representing Cashco regarding a garnishment from them. this paperwork was dated XX/XX/XXXX. Almost 3 weeks is a very long time for them to wait to send me. I feel that they were waiting until they received the garnished money before they mailed. However, this is not my major complaint. 
My major complaint is that I had no idea what this garnishment was for. The court paperwork stated that it was an original debt amount of {$1500.00} that was entered against me on XX/XX/XXXX. 15 years ago. And that the current amount due was {$10000.00} due to continually accruing interest. I mailed paperwork to the courthouse ( that is in a different state than I live in ) and received no response. Finally, I called Cashco and explained to them that I had no idea what this was for and wondered why I had never been notified before when I had the same address for many years and always worked a tax paying job all of these years. They mailed me a piece of paper that showed a {$990.00} amount financed that the guy I spoke with at Cashco said was in the form of a check to fix my transmission. I have gone back on every record, memory, asked friends, etc to recall what this may have been for 15 years ago. I can not. 
The main point of my dispute is that this was 15 years ago. As I said, I had the same address for many years and have worked tax paying job all of these years. I do not feel that this exorbitant amount of interest should be legal. In the past 4 months, they have garnished over {$4000.00} already. It does not seem right that they can neglect to inform someone of a debt that they feel you owe and then just let it sit and incur interest charges for 15 years.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (KY)

My Mother suffers from XXXX and after my father had taken her Credit Cards, he asked me why she was still receiving charges each month from XXXX, a catalog company. I called the company 's XXXX # and they explained she was enrolled in the " XXXX '' with " Special Promotions '' for the charge of {$15.00} per month. I requested they unenroll her and was given instructions on how to achieve this which I followed to the letter. I disputed the charges at that time and forwarded all the information they requested in XX/XX/XXXX. All these months later they are still charging her and have sent the disputed amount to a collection agency. I have sent the information they requested again with another letter to deny the charges and want that to be an end of the situation.
Consumer complaint received 2022-12-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (NY)

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. 


Account Number : XXXXXXXX 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 15 U.S.

C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2022-12-21
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. (KY)

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 the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$4200.00}
Consumer complaint received 2020-04-29
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} COLLECTIONS XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2022-12-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2022-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022, Truist Bank received a check the amount of {$1300.00} and return the check back to the Mortgage bank without placing my overdraft protection in place. Truist Bank didnt give me an opportunity to see the check in the bank, Truist Bank didnt place my overdraft protection in place and give me by the end of day to to transfer the remaining balance to cover the check before they sent the the check back. On XX/XX/2022. It was {$800.00} in the account. Instead the Truist Bank turned my overdraft protection off turned my email notification off and sent the Check back to the Mortgage Company then sent a notice of overdraft letter to my address a week later after the XX/XX/2022. 
For years Ive been with Suntrust and never had a problem with Overdraft Item because of the Overdraft Protection protected my account and always gave me opportunity to put the remaining balance back into my account. I can show my bank statements that will show my overdraft items and how by the end of the day I deposit the negative amount into my account to make the account positive. If the Truist Bank wanted to do any changes to my account I they should of contacted me by letter or email and gave me opportunity to decide. Truist Bank did not do nether. As a consumer I should be protected against unfair bank practices.
Consumer complaint received 2018-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

Hi, I would like XXXX XXXX XXXX/Compliance officers to review the attached money laundering typography and ensure that the money laundering receiver XXXX XXXX XXXX XXXX is banned from using the Western Union network because she is dealing in the proceeds of a criminal human trafficking enterprise.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (TX)

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I wrote Experian in an attempt to correct the status on my paid off auto loan. Final payoff was made on XX/XX/2020. Experian has yet to correct the open status to closed on my XXXX XXXX XXXX.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

This company started calling me XX/XX/2021 about a purchase that I had no knowledge about. They were informed of this and have continued to call me every single day since then. They are harassing me and illegally reporting to credit bureaus that I owe them for a transaction I have no knowledge about. 

Said dates of transaction, It was impossible for me to purchase anything at that location. I was not in the state and have submitted proof to the company.
Consumer complaint received 2022-12-21
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. (NJ)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (FL)

I contacted Hyundai in regards to my contract with them and see that they have been Unfair, Deceptive to me in several ways and also have abusive practices. Hyundai never explained to me that the finance charge does not include charges of a type payable in a comparable cash transaction. According to 15 USC 1605 ( a ) The finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the creditor as an incident to the extension of credit and doesn't include cash. That's a violation/step to getting my down payment back. Hyundai never explained to me my right to cancel. According to TILA, I have/had the right to cancel. I was never given papers stating the " RIGHT OF RECESSION ''. I was required to put a down payment down or trade in. Hyundai did not give adequate notice. And according to the term " adequate notice ' as used in XXXX of this title means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 15 USC 1615 ( a ) ( 1 ) If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. According to 15 USC 1611 ( 1 ) anyone who willfully and knowingly gives false or inaccurate information or fails to provide information which he/she is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined not more than {$5000.00} or imprisoned not more than one year or both. Also, according to 15 USC 1662 ( 2 ) No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpaymentis required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.
Consumer complaint received 2022-11-29
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. (MS)

In accordance with The Fair Credit Reporting Act. The list of accounts Below have violated my Federally Protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 a States I have the right to privacy.

15 USC 1681 C ( a ) ( 5 ) Section States no consumer reporting agency may make any Consumer Report containing any of the following items or information any other adverse items of information other than records of conviction of crimes which antedate the report by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person know one has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 {$340.00}, XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX XXXX {$680.00}, and XXXXXXXX XXXX XXXXXXXX {$1300.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2022-12-21
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DM Motors (MN)

I already had initiated a complaint against DM motors because of an illegal repossession that cost me my job daycare issues and humiliation because they acted as if I was seriously behind yet the payment was n't even due. Then repossessed it and was very rude toward me. I initiated that complaint in XX/XX/XXXX, and it was brought to their attention in XX/XX/XXXX. They proposed a settlement offer but my reasonable outcomes I suggested initially were many months ago and based on a prompt solution not months later. Their offer of {$500.00} plus demanding me to remove any complaints I filed I declined. It cost me well over that by losing my job having people know I was repossessed even though it was n't even supposed to happen plus a day fdaycare I had to pay even though my child did n't go, I do not feel removing any complaints is even a fair suggestion because people need to know this happened and how the business is run. I 'm not the only one who has had trouble. To day I have many mechanical issues with the van as well. I have called and called, emailed, XXXX every way possible but not a single person responds or returns a call. Even for account. Nobody even acknowledges me. Not a proper way to handle a customer.