davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (AZ)

on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX  in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX  to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

On or around XX/XX/2023, XXXX XXXX XXXX informed me that I could cover the out-of-pocket expense by applying for a loan. I was told that if approved, I would be able to delay payment for up to 24 months without any consequences. I applied to see if I would be approved and to know the maximum loan amount. After I applied, XXXX XXXX XXXX informed me that I was approved for the maximum amount of {$2200.00}. I asked for details about the loan conditions and how the funds would be distributed to me. XXXX XXXX XXXX informed me that XXXX would send me paperwork that explains everything. I was waiting for paperwork to understand the conditions of the loan. 
On or around XX/XX/2023, I received a credit card from XXXX. Around the same time, I received a bill that stated {$2200.00} was given to XXXX XXXX XXXX around the same day that I applied for the loan. The bill stated that I owed {$77.00} by XX/XX/2023. I had no knowledge and I never authorized XXXX XXXX XXXX to charge XXXX. I never received any documents from XXXX or XXXX XXXX XXXX about the conditions of the loan or credit card. XXXX XXXX XXXX never informed me that if approved for the loan, the funds would be distributed to them directly without any written authorization from me. Nor did I have an opportunity to cancel the loan after the initial application. 
On or around XX/XX/2023, I received a call from Collections for Comenity Bank for the XXXX  account stating that I owed {$150.00} for past due payment and late fees. I explained that I didnt authorize XXXX XXXX XXXX XXXX charge the dental service. And, since the dental work was not performed, I requested the charged amount be removed and the account closed. Collections informed me to contact the merchant to close the account. 
When I contacted XXXX XXXX XXXX and informed them that they charged XXXX without my authorization and provided me misinformation about the loan, XXXX XXXX XXXX stated that cancellation of the credit would result in XXXX XXXX XXXX to retain 50 % of the deposit per their policy which means that they would keep {$1000.00}. When I informed XXXX XXXX XXXX that I wasnt cancelling the dental treatment but the method that I was paying the out-of-pocket expenses. XXXX XXXX XXXX insist that cancelling XXXX was also cancelling the dental services. 
After I informed XXXX XXXX XXXX that they were committing fraud because they charged XXXX without my authorization, XXXX XXXX offered to send me {$1000.00} to pay towards XXXX reducing my debt to XXXX to {$1200.00}. And, they would keep {$1000.00} as a credit for out-of-pocket expenses for future dental work. This is unacceptable. 
Additionally, Im extremely concern with the practices of XXXX XXXX XXXX and affiliated lenders because the XXXX XXXX XXXX clients are primarily people of XXXX who may not understand their consumer rights or be well versed in financial literacy.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (IN)

Before my mortgage was sold to another company in XXXX, I had a MASSIVE issue with Paramount Residential Mortgage Group. First, In XX/XX/XXXX, I was notified via mail that my home insurance had expired and I needed to update with new policy information. I called PRMG to figure out how to get it sorted out, and they told me that they would handle the renewal and there was nothing for me to worry about. So I went on not worrying about it, and my payment never changed. In XXXX of XXXX, my loan was sold to XXXX, and they did an escrow analysis. My payment had jumped up almost {$300.00} and I had no idea why. It took my almost 2 weeks to get through to them to find out, that PRMG had paid for XXXX twice, and I never knew about it. XXXX charge on my escrow account for {$1300.00}, and XXXX charge for {$1600.00}. When I called PRMG to figure out what the XXXX charges for, they gave me the policy that covered from XX/XX/XXXX - XX/XX/XXXX for {$1600.00}, but refused to tell me what the {$1300.00} is and continued to tell me that I needed to provide proof of a policy or they would not reverse the charge. I called back 5+ times to try to explain that it was a mystery charge, and they continued to tell me that I needed to provide proof for both payments to be refunded, and each customer service rep I spoke to tried to argue with me and were very non-helpful and even rude. I have been abused by this company and cheated. They took {$1300.00} from me, and there is now a $ XXXX shortage in my escrow account. I am at risk of not being able to pay my mortgage and I am at a loss. I don't know what else to do and am looking into filing a lawsuit, but it can be expensive.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

The overdraft fees have become excessive. I am under the impression that showing an available balance and then later charging fees was against the law or rules. For the past few months has charged me close to {$1000.00} in overdraft fees. For some purchases the money was there when I slid the card but yet they are still listed and are charging me a fee. I would like for my account to be reviewed and overall their processes. This seems like a class action lawsuit situation and I am looking into that too. On my latest email there are FOUR transactions that I slid my card for and yet overdraft fees are pending. I want a deep dive into their system because last week I paid {$120.00} in overdraft fees. Reject the payments! That's cheaper for me! Rather than allowing the charges to post and I pay the fees.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

and list of Inquiries.

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 2019-07-15
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: CITIBANK, N.A. (TX)

I WAS SCAMMED BY SEVERAL COMPANIES AND I CAN'T GET ANYONE AT ALL TO HELP ME. I PAID {$2500.00} ON XXXX TO XXXX XXXX XXXX WITH ME CITI MASTERCARD. I ALSO PAID SEVERAL OTHER COMPANIES : XX/XX/XXXX XXXX XXXX {$490.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX ENDING XXXX XXXX TXXXX XXXX XXXX {$1600.00} XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ACH PAYMENT XXXX XXXX XXXX {$1600.00} ACH PAYMENT XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$2500.00} CITI XXXX XXXX XXXX XXXX {$3400.00} AND {$990.00} MC ENDING XXXX XXXX XXXX XXXX XXXX  NONE OF THESE COMPANIES DID ANYTHING AT ALL FOR ME. THEY TOOK ADVANTAGE OF A SENIOR CITIZEN AND ALL CHARGES ARE TO OLD TO FILE AGAINST WITH MY CREDIT CARDS
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Credit Bureau Systems , Inc, which XXXX  reports negatively that I owe this company. There is no contract. This debt is not mine.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX , GA XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2022-04-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted Bank of America via mobile app on XX/XX/, 2019 to advise them I had fraudulent activity on my account on XXXX XXXX, 2019. I advise that the charge was fraudulent inducement from a company that promised products and services that they never provided. My initial attempt was made to the company to try to get my money back but I received a message that the company had been closed permanently and was currently in receivership for an induction order placed on them by the FTC for fradulent inducement, false representations, unfair deceptive acts, and other charges. After speaking to a bank rep via the phone in less than 24hrs I received an email stating my case was closed and the bank was not able to " get into the receiver 's account '' to get my funds back. I called multiple times to let them know that this was fraud and the company is no longer in business and I have only been advised that I can't get my money back because I wired the funds and did not use a check, debit, or credit card. I believe this is unfair after being with a company for more than a decade with the thoughts that I would be helped in protecting my money from lying, deceptive, vultures preying on people looking to create a living and hopefully a little wealth for their families. Bank of America did not offer any help in this matter and I think that all of their consumers should know that this bank is not for its people.
Consumer complaint received 2019-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (CA)

My account with One Main Financial became past due. XX/XX/XXXX I asked if I could pay a smaller amount to avoid 30 days late. They would not accept. XX/XX/XXXX Once 30 days late I attempted to pay the past of $XXXX but they said it was not enough and payment not accepted  and it was sent to legal dept. Legal dept demanded min $XXXX payment to pay balance of XXXX. I told them I needed a lower payment. XX/XX/XXXX I called legal dept to request a lower payment. The rep said the account had to be paid within 6mths or law suit. XX/XX/XXXX I requested $XXXX arrangement to avoid collections. I also contacted One Main for a payment arrangement. One Main kept referring me to legal and did not tell me the account was being charged off.
Consumer complaint received 2019-12-10
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 have contacted XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (FL)

I have had an account with Citi bank since XX/XX/2019 and every single time I have called to make a payment there has been a problem. Ive had them charge my card twice for one payment and had to jump through hoops to get one returned. Then because they returned my payment they put a hold on my bank account. So when I went to make a payment the next month they werent able to use my account on hand as they have always done. When I finally got that sorted out and found a card I could use their system went down. We called back several times and their system continued to be down. We told them it would be a week or so before we could call again because I was in XXXX XXXX. They told us this was fine and their wouldnt be any fees and to call when we could since this was their systems problem. Not only did they call constantly while I was in the hospital XXXX XXXX XXXX but now that they payment has been made and my fee was supposedly taken care of my payment minimum has went up because we paid late. Which was clearly told to us that it wouldnt be an issue since we had been trying to pay when it was due. Their automated phone system has kicked me off several times and never accepts my social but when I speak to a person its always accepted. It just seems like they do anything possible to have you pay late so they can charge you extra. Even when they waive a fee theres always some problem following it, like putting a hold on my account or making my payments go up. It just seems really shady to me. Ive never in my life had so much trouble with any company.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (CA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-21
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: EQUIFAX, INC. (CA)

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 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 2019-12-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I have a collection notated on my credit report from XXXX XXXX and XXXX on behalf of XXXX XXXX. This is an inaccurate collection due to XXXX XXXX  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX XXXX was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both TransUnion and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc. (PA)

My boyfriend and I bought furniture from XXXX  with XXXX  card through the store, they went out of business and XXXX  changed the contract without an notice and over charged us and added kate fees when nothing was late. They sold the debt to credit corps solutions. Credit corps solutions then decided to call me multiple times a day threatening legal action and threatening to call my boyfriends job. I asked them to stop calling me after I explained I do not owe anything to them and I am unemployed and a XXXX. They call me multiple times a day even after I said no more contact. They then decided to go forward and call my boyfriends job. Sending me threatening emails and continue calling me with these threats or not speaking.
Consumer complaint received 2023-02-22
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. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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