davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Timothy M. Sullivan (OH)

XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is XXXX Offices of XXXX XXXX and their number is XXXX.
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-26
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. (CA)

On or about XX/XX/XXXX, I uploaded XXXX documents, per XXXX  XXXX, which included a letter from a Non-governmental agency ( XXXX ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both XXXX and TransUnion via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the XXXX, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within XXXX ( XXXX ) DAYS. I waited XXXX business days and BOTH TransUnion and XXXX failed to remove the accounts. 

On or about XX/XX/XXXX, XXXX sent me an email requesting that I submit documentation for my claims of being a victim under XXXX, for which I had already submitted the required documentation. I then called XXXX and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that XXXX was questioning the validity of the letter I uploaded from the XXXX. When I asked if under the law, XXXX had the authority to question the validity of a victim certification letter submitted by an XXXX, he stated yes as it was part of their job. I then stated that if there was a question, why XXXX did not call the XXXX and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under XXXX. He only stated again that XXXX was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that XXXX records the call but I was not allowed to record due to XXXX 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, XXXX was recording WITHOUT informing and receiving my consent. This is a violation of XXXX and XXXX. I have retained a recording of this phone communication. 

TransUnion has failed to communicate with me within a timely manner regarding my submissions as a victim under XXXX. 

To date, XXXX, XXXX, XXXX, neither XXXX or TransUnion, have complied with XXXX  by complying with my federal rights as a victim under XXXX. This exceeds the XXXX ( XXXX ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under XXXX.
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC (OH)

I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

I opened the account for a bonus with the requirements of depositing {$1500.00} within 30 days and doing XXXX transactions within 90 days. I completed both of these and the company is refusing to pay out. they are claiming that the promo code was not attached so they don't have to pay
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year> at XXXX I received a text message from someone claiming to be Wells Fargo asking if i had used XXXX to transfer someone {$3500.00} and asked me to reply yes or no. I replied no. Then they sent another text saying it was the Wells Fargo fraud department and I would be receiving a phone call. Three minutes later i received that phone call. They asked me to confirm that I did not send the money to anyone. They had me follow their instructions to " reverse '' what had happened and made me enter a new recipient under my own name. These people knew my full name and that I had a Wells Fargo account. After I followed their instructions they told me the money would be back in my account within 24 hours. It was not. I called Wells Fargo the next morning ( less than 24 hours later ) to see what was happening and they said they never texted me nor did they call me and that I had been a victim of fraud. I then made a claim with their fraud department. Case # XXXX. Wells Fargo said the money went to a XXXX XXXX account and they would look into it. I called again the next day to get an update and they said they had closed the case after just one day and that there was nothing they could do. This upset me very much as I have been a loyal customer to them for a long time and up until this point I have been happy with them. If these scammers knew my name and that I had a wells Fargo account it seemed real and the scammers knew exactly what to say to make themselves believable. Wells Fargo ( the real one ) never sent a text or a call to confirm that I has sent money. That is also upsetting that my bank wouldn't verify that a large transaction was actually made. I believe that is poor customer service and the fact that within 24 hours their investigation was over. {$3500.00} is a lot of money and I am a single income. Losing this money has affected my life quite a bit. Please assist me in getting this money back into my account as it is greatly needed. Wells Fargo should have spent more time looking into this especially because I had reached out to them within 24 hours of the fraud actually happening to me. I believe They should have reached out to confirm that such a large transaction has been made to confirm and they didn't. I am extremely disappointed in Wells Fargo as I have been loyal to them with my checking and savings account for many years.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (TX)

I received phone calls and when I challenged the information to be inaccurate and requested have written communication of validation of the alleged debt to be mailed. The caller responded they sent information and asked to what address. The address given has never been associated to me and in fact it a po box address they had on record. I continued to say I don't have any knowledge of this account and needed validation of documents. The call ended and I never heard anything until i received an alert about the change on my credit report.
Consumer complaint received 2023-03-14
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

This is regarding identity thief of a famous pastor and using his name to soliciting donation for orphanage. I was told to wire money to XXXX XXXX using Zelle Her contact is phone number XXXX email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Phone XXXX : ( XXXX ) XXXX - Wireless ( XXXX ) XXXX - She had a notary account in Florida Notary ID : XXXX Last XXXX : Young First Name : XXXX XXXX Name : XXXX Birth XXXX XXXX XX/XX/XXXX Transaction Type : XXXX XXXX : XXXX XXXX Status : XXXX XXXX XXXX : XX/XX/XXXX Expire Date : XX/XX/XXXX
Consumer complaint received 2023-03-14
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$630.00}
Consumer complaint received 2022-11-22
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. (GA)

I am not a robot nor am I a 3rd party, however I am a 3rd year law student and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CA)

As a sole proprietor doing business as my name, I applied to open my Huntington Business Checking account ( ending in XXXX ) on XX/XX/2023 and got approved on XX/XX/2023. The account is good and the bank provides great service. But, my business was not very good so far, so I tried to close my business account. When I called the Huntington Bank, the representative told me the only way is to close in branch. However, I already moved out of state and there is no branch in the state where I am living now. They said they could not do anything but asked me to close it in the branch.
Consumer complaint received 2022-11-21
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. (FL)

I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above 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 ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records
Consumer complaint received 2023-04-10
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. (NJ)

I rented a car for 10 days at {$410.00}, no insurance was taken out b/c my credit card covers some insurance. No liability taken out b/c my XXXXInsurance covers liability. rental started XX/XX/XXXX tp XX/XX/XXXX,. i returned it 1 day late on XX/XX/XXXX. 
XXXX  Car Rental i believe is a erman company, only communicate by email, hardle ever do they pick up there phone and never return calls. They supplied no responsesto my qwrvices uestions nor the Chase Visa requests for info. 
They used an email I dont look at often. I tried to pay the extra day, when i returned, but he didnt know,, " they will contact you ''. i assunnmed by phone or mail .... Plus there was a minor accident. So, i wanted to use VISA cardmember services too, i couldnt get any info fro m them,, it dawned on me in XXXX to look at my XXXX acct. 
there it was XXXX or more emails.. Wsell in 2-3 days w/ no response they were havinf an electronc fit, why didnt they juyst call? 

So, the extra day XXXX  was {$39.00}, and damage to3 scratches and a crack (? ). was about {$330.00}. By ther end of emails, they changed the extra 1 day rental to {$350.00}. with extra fees, late charges and 12 days of liability insurance at XXXX /day .. ( when the car was returned ) on XX/XX/XXXX. Who would pay for insurance at the end of a car rental?? The invoice for the FAKE EXTRAS is even dated XX/XX/XXXX. its obvious to me what thhey did, so i am willing to pay the {$40.00}, even wrote to them,,, but no answer. 
CHASE VISA, I think jumped the gun and before i could explain it to them in simple terms,, and VISA ASKED FOR ALL DOCS, so I sent 30 pages,,, And then they missed the point, got scammed the way people do, but its my money,, and its obvious ythey fraudulently changed the fimnal bill from {$40.00} to {$350.00},, so they could add there damages to my VISA and it was accepted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

So with the previous complaint we thought we had a resolution that Aspire Credit Card agreed to a settlement but still continued to charge me. and now I`m am getting ready to pay them on Monday for the settlement amount and they are claiming they know nothing about it So now I want to file another complaint and actually want something done about it. Now i want a 75 % settlement for the negligence and stupidity of the Aspire staff and disrespect from them. I`m sick and tired of the same answers i get from them.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (NJ)

I received a letter from UNIFIN, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX stating that I have a debt from XXXX ( Original Creditor : Account # XXXX. XXXX XXXX is XXXX XXXX XXXX XXXX REF # XXXX. XXXX as of XX/XX/year> in the amount of XXXX from XXXX XXXX I never have XXXX as a XXXX. I did not answer this letter or text from UNIFIN. I think this is a SCAM. Please help me resolve this problem.
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX XXXX XXXX$1000.00} XXXX ) XXXX - {$750.00} XXXX ) Dept of ED/XXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX  XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of EDXXXX - {$21000.00} XXXX ) Dept of EDXXXX - {$13000.00} XXXX ) Dept of EDXXXX - {$7500.00} XXXX ) Dept of ED/XXXX XXXX {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of EDXXXX - {$3200.00} XXXX ) Dept of ED/XXXX - {$3100.00} XXXX ) Dept of EDXXXX - {$2100.00} XXXX ) Dept of EDXXXX - {$2000.00} XXXX ) Dept of EDXXXX - {$1400.00} XXXX ) Dept of ED/XXXX - {$1100.00} XXXX ) Dept of EDXXXXV - {$1000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.