davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (TN)

Searching to get a pitbull puppy on a private facebook page account. We selected a puppy and the guy said he wanted half up front and half later to get the dog for a deposit. We did not think this was going to be a scam because he knew so much about these dogs and he was on a XXXX  account. We sent him {$350.00} on a mobile XXXX pay app. He deleted everything and his page and the site. We emailed SunTrust Bank right away for fraud and scam. They said there was no error on this case XX/XX/19. This was a complete scam and we trusted the XXXX page account since it was a private group. The transaction occured on XX/XX/19 for {$350.00} with a name of XXXX XXXX using our bank debit card. Please help us get our money back. This hurt us.
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-12-24
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. (GA)

Agency : Transunion Date:XX/XX/2020 Time : XXXX XXXX Claim : They are saying their system can't take my first name because their system has some problem. They are saying to change my first name and after that they will show me credit score and send me report. Even though I send documents for my identity verification they didn't reply me back.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2021-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NC)

I have a personal loan through upgrade.com. I authorized my monthly payment to come out of my checking account on XX/XX/XXXX. My monthly payment is XXXX and I made a larger payment in XXXX of XXXX so my monthly payment was XXXX for XXXX. Upgrade took this monthly payment and then took an additional XXXX on the same day. When I called to get my money returned they refused to return my XXXX but the lesser XXXX that I authorized and would not refund the amount that they fraudulently stole from my account. I was told the money would be refunded in 2-4 days on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX when the money was not refunded and was lied to again and told that the funds were released and would be deposited on the XXXX. When I called on the XXXX after no refund is issued I was told the previous representative misspoke and the funds were released on the XXXX. Today is XX/XX/XXXX and now not only have I not gotten my XXXX refunded but my pending debits have overdrafted my accounts. I have tried to call the loan department and sat on hold for 2 hours with no answers. I just want my money back and the XXXX dollars I was charged in overdrafts to be refunded to me.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
XXXX doesn't know So Who knows?
Consumer complaint received 2021-09-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2021 I sent a request for validation of on a vehicle loan under FACTA section 312 and was sent back the contract and letter with a settlement offer of XXXX. Then I sent another dispute on XX/XX/2021 requesting a UCC DEFICIENCY letter requesting additional information which is attached as well. You can not request me to settle a debt without providing me with the deficiency information informing me Presale Notice, Post Sale Notice the cost and if a letter was even sent to me of the default notice. If Nissan can not provide me with these documents that they sent AT THE TIME, then legally they can not continue to report or collect on this debt. If this is not removed from my report I will next have to file a complaint with my local attorney 's general 's office and take things further if need be. Attached please find the disputes that were sent. Please DO NOT continue to send me a contract agreement this is not sufficient enough to prove that you all have done your part with me as a consumer. 

Thank You
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

To whom this may concern, I want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts. FOLLOW AS : XXXX XXXX XXXX XXXX XXXX, ARS, and XXXX XXXX. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Consumer complaint received 2021-09-25
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. (PA)

On XX/XX/2021 I sent Equifax, XXXX, XXXX a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE
Consumer complaint received 2021-09-25
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. (PA)

On XX/XX/2021 I sent XXXX, XXXX, TransUnion a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE
Consumer complaint received 2021-09-25
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: EQUIFAX, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

Account Resolution Services sent me a collection letter for a hospital visit from XX/XX/XXXX with XXXX XXXX XXXX XXXX. My insurance paid this bill on XX/XX/XXXX. ARS opened this account on XX/XX/XXXX. I have disputed this account as paid before going into collection ever since receiving the initial letter from ARS. Both ARS and the XXXX main credit bureaus have ignored me. I recently sent ARS a copy of the paid bill on XX/XX/XXXX. I have yet to receive a response from ARS. I have attached the paid bill.
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX XXXX store card managed by Comenity Bank. XXXX advertised Equal Payment Plans on which we made 3 purchases. As advertised, they would charge a minimum monthly charge to pay off the balance by the end of the time period which was based on the amount charged ( e.g 9 or 36 months ). I get an email when a new payment is due, login, and make the minimum payment. I was curious how much longer we had and opened the statement today and discovered that they were allocating the payments incorrectly. The used part of the payment that should have been towards a smaller balance that expired in XX/XX/XXXX towards a higher balance due to be paid off in XX/XX/XXXX. Again, per the original advertisement, it should have been equal payments. I spoke to their customer service team who refused to do anything because I didnt notice it within 2 months of it happening, but they admitted on the call that the payments were allocated incorrectly. They recorded the call so you can request a copy of them confirming that fact. As a result, we were charged a > 30 % APR from XX/XX/XXXX to today on a balance that should have been paid off in XX/XX/XXXX. I did not miss a payment and all payments were made in full.
Consumer complaint received 2022-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (MD)

They stole {$1000.00}. The sent the money originally to verify the account the used XXXX XXXX to send the money back and then the original deposit rejected. The called themselves freedom plus but they had accents like they were from XXXX or XXXX. They had a XXXX area code.
Consumer complaint received 2022-04-16
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. (NV)

I have contacted a three credit bureaus and most recently TransUnion to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Consumer complaint received 2023-01-19
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)

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX have all violated my federally protected consumer right to privacy and confidentiality by publishing XXXX to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXX floor XXXX XXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX  XXXX XXXX account number XXXX open XX/XX/XXXX amount XXXX {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number ( XXXX ) XXXX. XXXX XXXX XXXX address po box XXXX XXXX SC XXXX phone number ( XXXX ) XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the XXXX inquiries. TransUnion, XXXX and XXXX Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX, TransUnion and XXXX. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer reporting agency XXXX 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 XXXX years. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.
Consumer complaint received 2021-09-25
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. (TX)

I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG XXXX ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!
Consumer complaint received 2023-01-19
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: Credence Resource Management, LLC (TX)

This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (MD)

I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, prepared to charge me monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-09-25
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)

1.XXXX XXXX XXXX XXXX-date open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX account resolution-account # XXXX, date open XXXX XXXX, amount XXXX 3.XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account XXXX, amount {$860.00} 7.XXXX XXXX XXXX date open XXXX , account XXXX XXXX 8.XXXX XXXX, date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX  XXXX ; Inquiry date XXXX XXXX  ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX INQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX ; Inquirydate XXXX XXXX ' XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX