davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (LA)

Good Morning, I called TSC Accounts Receivable Solutions and spoke with a representative named XXXX, who did not disclose himself as a debt collector. He told me the balance of my $ XXXX debt was $ XXXX. I asked him about the additional {$400.00} dollars added to my medical bill and he stated that the medical bill accrued interest and he is allowed to do this by law. I asked what law defends adding an interest amount to a medical bill when I never initially agreed upon having interest accrued on any medical bill I attained on my date of service with my medical provider. 

He stated that civil code- Article 15 Section 1 Part 1 supports a 10 % interest is due per year on any unpaid medical bills once collection efforts begin. I researched the statute while on the phone with XXXX and explained that after reading the statute, it states that this accrual of interest is for : For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding XXXX percent per annum ; provided, however, that any loan or forbearance of any money, goods or things in action the proceeds of which are used primarily for the purchase, construction or improvement of real property shall not be deemed to be a use primarily for personal, family or household purposes ... and that it did not state this was allowed by law. 

He then became very rude and stating that " thats neither here or there but you can either pay in full or it can stay on your credit ''. I stated that I would like to pay my balance in full but not {$400.00} more than initially agreed upon my date of service. He again became rude on the phone and began to bully me into paying, at which time I asked for a supervisor and XXXX declined. 

I disconnected the call and called back to speak with a supervisor at which time I spoke with XXXX who supported the disrespect and sarcasm of her employee and stated there is no supervisor for her although she disclosed that the owner is who I would need to complain to. I asked for her email, she stated it was XXXX. XXXX could not explain the interest due or the law that supports interest on medical bills, however out of desperation I paid the principal amount due and the illegally accrued interest. 

I am writing you today because I feel that I have been taking advantage of and refused the right to escalate the matter to the company and I do believe that their business practices should be investigated. I saw that there are currently XXXX medical collection disputes with the consumer finance department and I too want my story heard and reviewed by someone who knows the rights I may or may not have. 

Collection Agency Contact Information : TSC ACCOUNTS RECEIVABLE SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX Thanks Sincerely, XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (AR)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2024 I requested copies of loan documents showing the statements and balance of my loan accounts. The CEO refused to provide copies of the documents. He said my account balance was {$0.00} and refused to give me any proof of this or return the collateral. He said have a nice life.
Consumer complaint received 2022-09-03
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-07
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. (NY)

On XX/XX/XXXX of 2022, I mailed Transunion a copy of my Identity theft report along with a copy of my identification card which is my drivers license, a copy of my social security card, copy of Section 608B of the Fair Credit Reporting Act, and a written statement made by me where I mentioned all the accounts that were results of identity theft. As per USPS Tracking services, it says that Transunion picked up my mail at a Postal Facility on Monday, XX/XX/XXXX of 2022 on and or around XXXX XXXX and was signed by XXXX XXXX. 

Section 605B of the Fair Credit Reporting Act states ; Consumer Reporting Agencies must block the fraudulent information on consumers reports that resulted from identity theft within FOUR BUSINESS DAYS. 
But it has been 7 days since which Transunion received all my paperwork and they havent blocked or deleted all the information from my report. 

***PLEASE SEE ALL ATTACHMENTS FOR ACCOUNTS AND CLARIFICATION****
Consumer complaint received 2022-09-03
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3300.00} ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I am writing this because I have been a victim of identity theft and I did everything I could so far to resolve the issues but at this point I want the proper authorities to conduct the investigations with the banks. I have been a victim of identity theft, with multiple banks. On XX/XX/2022, my real estate broker and I discovered of this issue after the broker conducted a financial background check to analyze if I'm eligible for a real estate loan or not. He discovered that there are XXXX judgments pending from XXXX XXXX and Union Bank. I contacted both creditors because I never conducted any business with these banks. I had to inform them of the identity theft because they cooperated with identity thieves to open these accounts without my consent and authorization. Both banks initiate what they call a dispute to remove and delete the account from their systems and the balance. In addition, purge my personal information from their banks since I never associated with them or conducted any form of business. Couple weeks go by and I had the please to speak with a financial crimes investigator from Union Bank requesting additional documentation. I sent her whatever she requested. I sent her a signed and notarized affidavit, my identification card and my social, an FTC report also. In addition, I picked up the court documents to learn what was happening because I was never served any documents. In addition, they are claiming that the information that was used it was used for a business loan or a business line of credit. I do not even own a business and yet it shows that there is a business line of credit under my name. I informed them of this issue and they claimed to understand that I have been a victim of identity theft. They were supposed to send me a reply within a month and Union Bank Financial Crimes Investigator XXXX XXXX was supposed to remove and delete the account because the account was opened due to identity theft and fraud. Union Bank and XXXX XXXX both cooperated with identity thieves to open fraudulent and falsified accounts using my name, social security, date of birth. I am not the responsible party for these accounts because I have never associated with these banks. I would urge people to check their information more and more and to play a lock at the in order to not become a victim of identity thef with some random financial banks.
Consumer complaint received 2022-03-07
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: MILLS LTD. dba Credit Bureau of Klamath County (OR)

Account opened XX/XX/XXXX in my ex husband 's name. Now is showing on my credit report. I paid balance in full on XX/XX/XXXX and was told to file this complaint to have it removed from my report.
Consumer complaint received 2023-01-26
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. (CA)

Made a purchase using my Citi bank card on XX/XX/2022 in the amount of {$440.00}. The merchandise was never received. I submitted a dispute online on XX/XX/2022. Further submitted a dispute form requested by Citi bank on XX/XX/2022 that the merchandise was never received. 

Received a letter today ( XX/XX/2022 ) stating the dispute is unsuccessful and the charge and interest will be re-applied to my account. 

I am being billed for merchandise never received.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NC)

I submitted a case XXXX on XX/XX/22 to unlock my card for use. I followed up via phone a couple weeks later as well. My card is still locked.
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (NY)

I cosigned on a loan with my Mom to get her windows replaced. We were approved with two different lenders. The contractor ( XXXXXXXX XXXX XXXXXXXX ) funded the job from the wrong loan ( the Greensky loan ). I made greensky aware of this and they refuse to close the account. They have said I'm still liable for the loan even though XXXX XXXX XXXXXXXX made them aware of the issue and had my account credited for the {$6200.00} that was taken out. The balance is now {$0.00} and they still won't close my account. They also pushed back the " complete purchases by '' date without my knowledge.
Consumer complaint received 2022-08-29
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. (FL)

After returning from a vacation in XX/XX/XXXX, I discovered a fraudulent charge of {$39.00} to XXXX  on my Citibank AAdvantage XXXX on XX/XX/XXXX. I disputed the charge and Citibank canceled the old card and issued a new card. After activating the new card, I found another fraudulent charge on the account for {$34.00} to XXXX on XX/XX/XXXX. I disputed that charge and the company initiated an investigation that is still ongoing. The account has been closed completely. The last notice I received from Citibank was dated XX/XX/XXXX. I have received no notices since then and it is difficult if not impossible to contact Citibank by phone or e-mail. I think sufficient time has elapsed for Citibank to resolve this issue.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

I received a derogatory credit mark from XXXX in XXXX XXXX. I called and filed a complaint and they said they would remove the derogatory mark. 

8 months later, its still on my credit. I called later, and now they cant find my account, even via SSN, Email, address, zip, nor any way to remove the credit derogatory mark from my account.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the company and they have not taken care of it. I am requesting that these are unauthorized inquiries and to be deleted from my report. Thank you for your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

This company uses collection tactics that harm consumers on a monthly basis. Not only do they fail to use standard procedures as outlined by the law regarding notification requirements. It's much worse ... Every month this company increases the amount owed on a debt they reported 5 years ago as charged off. The debt keeps growing even though I've never had an account with Hunter Warfield. The effect of this is that every month, my credit score goes down a few points. This is a tactic that harms consumers monthly.
Consumer complaint received 2023-04-01
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CO)

My partner XXXX XXXX and I bought a Car from Carmax in early XXXX ; we paid our monthly payments almost always on time until we were hit by financial fraud and crime. We called Carmax and made a arrangement to pay at a later date than usual. Carmax agreed. Instead in the wee hours of the morning, the day after the phone call to Carmax they came and repossessed the car, taking at least {$10000.00} or more of our belongings as our car was full to the top with valuables. Along with this, went all our paperwork on the car loan. When they took our car we had paid almost 50 % on the value of the car which was {$10000.00} when we got it in XXXX. 

Thereafter since XX/XX/XXXX when Carmax reposed the car, they are claiming we owe the full value of the car. Now how do we owe the full value of the car when they repossessed it after we had paid almost 50 % of the car loan? And how do we owe anything after Carmax stole all our belongs in the car? Im confident they sold the car for more than we paid for it, and we already had a complaint into them because we had to pay to have the head gasket replaced within the first year we bought the car.This cost {$600.00}. 

Carmax is a corrupt fraudulent company!
Consumer complaint received 2023-01-26
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: SYNCHRONY FINANCIAL (FL)

I am contacting you in regards to a PayPal Credit account I used to have, which has been closed since 2021. I continue to receive letters that detail 2 charges each month beginning in XX/XX/XXXX : a late fee on the 3rd of each month and an interest charge each month on the XXXX of each month ( compounding each month ). I have spoken to PayPal Credit on numerous occasions, on each of which I have been told that the charges were issued automatically in error, and they refund them. Then, a couple of months later, it starts all over again. I owe nothing to PayPal Credit, the account is closed, and I am prepared to initiate legal recourse at this point. These charges are appearing as an outstanding balance reported to XXXX, thus negatively impacting my credit score. Please help me finalize this ; I am angry and tired of going through this with a different customer service agent each time, only to have the problem recur. At this point when I call PayPal Credit, they can not even locate my information in their system. They say no account exists, yet I continue to receive letters. Thank you for your time. Please let me know if you require further documentation.
Consumer complaint received 2022-08-18
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. (MS)

I have disputed this collection account numerous of times with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

On XX/XX/2022, my representative, XXXX XXXX XXXX, acting on the basis of power of attorney No. XXXX dated XX/XX/2022, submitted an application for a money transfer on my behalf to XXXX XXXX. The transfer amount was XXXX XXXX dollars. The recipient bank is XXXX XXXX XXXX ( XXXX XXXX ). The recipient is XXXX XXXX XXXX. In other words, the transfer of funds was carried out from the account of XXXX XXXX, opened in XXXX XXXX, to the account of XXXX XXXX, opened in XXXX XXXX XXXX. To date, the funds have not been credited to XXXX. XXXX 's account at XXXX XXXX XXXX. XXXX XXXX engaged CITI BANK N.A. as a correspondent bank to fulfill the order. As mentioned earlier, the order dated XXXX has not been executed to date the funds have not been received by the recipient 's bank XXXX XXXX XXXX. The funds are in the correspondent bank of CITI BANK N.A.. XXXX XXXX. transferred his personal accumulated funds from his account opened with XXXX XXXX to his personal account opened with XXXX XXXX. I believe that CITI BANK N.A. unreasonably withholds my personal funds. Based on the above, we ask : To take measures to identify violations in the actions of CITI BANK N.A.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2019-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I open a checking/saving with a {$500.00} promo back in XX/XX/2018. Get {$300.00} for a direct deposit and {$200.00} for depositing {$15000.00} new money for 90 days. During the process the banker told me the {$15000.00} new money can be deposit into any account. Now 4 months later they are denying me the {$200.00} saying it needed to be deposit into saving. I could have easily transfer the {$15000.00} into my saving with 2 clicks. I lost 3 months of investing the {$15000.00} elsewhere and all they told me was sorry for the misunderstanding.