davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (WY)

On XX/XX/2024 I purchased some shoes and a bag from a website called XXXX for {$55.00}. After weeks went by I started looking closer into the company, and discovered that it is a scam. I emailed them and asked what was going on, and they ignored me. I filed a dispute with my bank, and I just got a letter today stating they were not going to refund my money. They reached out to the supposed company, and the company showed them that I authorized the charges, which I did. Now, if I try to go to the company website it won't show up at all. If you XXXX the website there are many things on the internet from other consumers who have been scammed by them. I think it is more of an elaborate scam if they are going to show banks that the charges were authorized, yet they fail to send any merchandise. If that is all it takes for the bank to believe them, I'm assuming they do this to many people, and get away with it.
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

Aldous & Associates , PLLC contacted me on XX/XX/2023 by email about a debt of {$580.00} which I do not recognize for a gym membership for which I had no contract with.
Consumer complaint received 2023-03-31
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)

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-03-31
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (AL)

Eastern Account System is a deb collection agency. They are reporting a debt of {$260.00} to my credit report. I am not liable for this debt of {$260.00} that this company is trying to collect. I also do not have a contract with this credit collection agency. After XXXX attempts of asking Eastern Account System to provide me with the original purchase agreement, the company failed to do so every time.
Consumer complaint received 2023-04-04
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 an 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 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

I received a title loan with One Main Financial. When signing all documents I was told that I had to purchase their life insurance on the policy. Every loans I have taken with them included a life insurance even if it was being refinanced another insurance policy was added on. I was told it was mandatory for getting the loan. Now that this has been brought to my attention with the lawsuit I am told otherwise. Also with paying off a loan and refinancing the interest rates were not recalculated. Meaning from the previous loan the final amount with the interest was carried over. I was also declared State and Federal XXXX. I was not giving the option stated in their contract any relief at all with the insurance. This was not fair to me or other consumers.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT ACCOUNT NOT MINE Please Remove me as a authorized User THANK YOU 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CKS PRIME INVESTMENTS, L it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

Carrington Mortgage now holds my loan. My loan was opened in XXXX of 2023 and held by XXXX from XX/XX/year> through XX/XX/year>. I then made a XXXX payment to them as I was unaware that my loan was transferring to XXXX XXXX XX/XX/XXXX. I then tried to get XXXX XXXX to fix the issue, and they kept asking me for proof of payment which I could not provide as I paid my payment using My XXXX XXXX XXXX XXXX, which are Electronic Payments. What I did provide was proof that I paid each payment with XXXX XXXX, which they refused to accept. Carrington is now sending me Intent to Foreclose Letters. I can not afford a lawyer to deal with this issue, and I can not afford to send a payment of {$2700.00} which I do not owe. My bank gave me a Reference number of XXXX for the payment they say that I never made. I am able to show bank statements to prove I made every single payment. Please help. Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I had paid off my Amazon card through asynchrony Bank and they werent applying the payment to my card when it should had been applied the same day or the next. I complained and they stated because I was paying off such high amounts of payments that it would take longer. I have never in my life heard an explanation like that. I told them if they didnt apply my payments in a timely manner, I would report them to CFPB. It took Synchrony Bank several days ( up to 4 or more ) to post them to my account. XXXX XXXX XXXX XXXX XXXX I receive a notification in my Amazon account that my account limit was being lower to {$240.00} from {$800.00}. I think it was in retaliation because I told them I was going to report them to CFPB but they gave me some other ridiculous explanation. They need to be investigated.
Consumer complaint received 2023-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good afternoon, I am writing this note to dispute the finding of your Bank of America Manager XXXX who advised no refund is due to me. As a result of the trip scheduled for XX/XX/2022, being cancelled, XXXX XXXX advised that I was entitled to a refund for the taxes and gratuities of {$170.00} for which the monies would be credited back to my account and returned to the bank. Several attempts have been made to resolve this issue to no avail. Somehow, the bank is confusing the initial overpayment of {$200.00} returned to me back in XXXX. Due to duplicate billing by the third party vendor ( XXXX XXXX XXXX XXXX XXXX imposed a cancellation fee of {$200.00} for which they credited back to the bank and subsequently returned to me via a check by your bank. Several attempts have been made by me to resolve this issue to no avail. No one has contacted XXXX no one has contacted XXXX, to bring resolution to this matter.Clearly the bank is just reading data and coming to unfound conclusion and not contacting the vendor. Lastly, after contacting the bank three times for the correct email of XXXX XXXX the chief executive, the address was non existent ( XXXX ) Please review. I Thank you for review of this matter. 
XXXX XXXX
Consumer complaint received 2020-01-08
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. (WA)

I have two collections on my credit report with transunion for medical bills sent to collections illegally that were covered 100 % by my state provided insurance and this is illegal for them to even try to collect on it and effecting my credit adversely. 

Accounts : XXXX XXXX XXXX Balance {$620.00} Original creditor XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$570.00} Original creditor XXXX XXXX XXXX Opened XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (TX)

XXXX XXXX XXXX Contacted me via txt message without my consent to notify of a debt collection. No attempt to call me or letter by mail was attempted. This first notification that was received by text which they did not have prior authorization from me to connect me that way. I have since sent a letter to them requesting validation of the debt they are claiming is mine.
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank listed me as a joint account holder despite the fact that I never signed as a joint account holder when the account was opened. I have disputed this account for several years through the credit bureaus. The actual account holder filed bankruptcy ( unknown to me ) and Comenity Bank reported this account as closed and past due for several months. When I call I am told that I do not have a XXXX account and they refuse to send me direct correspondence. I was forced to pay the account off because they continued to ruin my credit. I received a call from a Comenity Bank manager ( XXXX XXXX XXXX who claimed I should have never paid and that Comenity Bank would send me a refund ( Still waiting on the refund ). XXXX further stated that Comenity Bank should not have reported the past due amounts on my credit report and that they would send letters to the credit bureaus to correct the reporting. XXXX said I could keep her phone number and call her if I have questions, I called and left a voicemail over week ago and have yet to receive a return call. Comenity Bank refuses to send me copies of the letter they supposedly sent to the credit bureaus. I am trying to obtain a mortgage and this negative reporting has caused irreparable harm to my credit.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XXXX  I applied for EDD but they first denied me then later approved me. I had no idea they approved me the next month and they sent a card from Bank of America with XXXX all of that money was spent by someone who was not me. I only found out that this account existed by getting a letter from Bank of America saying my account was going to be close do to inactivity. I looked into this because I thought it was fraud because I have XXXX Banking but I called EDD and they did approved me for funds and they sent it in a Bank of America card. I drove to Bank of America to make a claim to get my money back but they denied my claim, so I asked for the proof and they sent me the same info I have on my Bank of America online account. they have no proof it was me who spent the money.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I have repeatedly asked TRANS-UNION CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, TRANS-UNION CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX agency substantiating their XXXX XXXX account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX XXXX XXXX XXXX method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to TRANS-UNION CREDIT REPORTING AGENCY recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with TRANS-UNION CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your non-willfulness.
Consumer complaint received 2024-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/2024, with XXXX  XXXX XXXX as the original creditor. I have disputed this account with the credit bureaus asking for verification and documentations that I have yet to receive. I don't live in Tennessee, and I have not lived there for more than XXXX  years. Unsure how an account will be open for medical debt in TN when I live in GA.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, Citi card sent me notice that I need more information to oepn the credit card XXXX they sent citi credit card that I never applied for. 
Citi used hard pull on my credit report. 
Other 4-5 companies- XXXX XXXX XXXX hard pull
Consumer complaint received 2023-07-12
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: WELLS FARGO & COMPANY (AZ)

I have issues with the Wells Fargo credit department. I have several open disputes that I have filed via their portal for false charges on my statements. They have not attended and resolved my request one way or another. I sent them two letters in previous months asking them about the status of my disputes and they didn't respond. 
Once in a while they call my mobile number and leave me a vague message.
Consumer complaint received 2023-09-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

The card was bought from XXXX 's and then gifted to me on the same day, XX/XX/XXXX. I only recently found it in my room, untouched. On XX/XX/XXXX, I tried to buy a digital camera on XXXX and the purchase did not go through even after multiple attempts. The message I received from XXXX was " Please use a different card or check your balance. '' I checked that my information was correct multiple times. I then went to the AmEx gift card balance site to check my balance. I put in the card 's information and saw that it was active and had {$50.00} on it. Over the next two days, I tried to buy fast food ( XXXX 's and XXXX XXXX for pickup on my phone with the card. These purchases also did not go through. Today ( XX/XX/XXXX ), I called the number on the back of the card ( XXXX ) and was connected to a machine that only gave me my balance and had pre-loaded FAQs that were played to me. On this call, I was told my balance had gone down to {$49.00}. I went to the website to check my balance and see where the XXXX charge came from, and it was " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL '' XXXX yes, " XXXX '', not " XXXX '' ). I do not live remotely close to Florida. This could not have been when I tried to purchase food from XXXX 's because I ended up not getting food at that point and none of the total was reduced. I tried once again to use the card today on XXXX. It didn't work. I then attempted to load the card onto a XXXX account, in hopes it would let the card go through on XXXX. XXXX would not even accept the gift card and showed this message " Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. '' Then, I filed this complaint.
Consumer complaint received 2024-04-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western-Shamrock Corporation (TX)

This company keep calling me and disrespected me especially when i answered they also keep calling all my XXXX  everyday XXXX times a day and XXXX off the lafies even threatened to come to my home to collect the debt and also they had a thrid company involved and said they were taking me to court for fraud cuz they said i lied on my application about my resource of money the lady stated that i said i received child support and she said i lied when at the time i did received chils support and i even sent her a attorney general copy of all my payments from the attorney generals site. The ladies also gave out all my personal information to my references.