davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX  etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.
Consumer complaint received 2018-04-25
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 was contacted by XXXX XXXX about a debit that I have been disputing for months. The original account # XXXX, a debit that is originally dated in XX/XX/XXXX, and I have no knowledge of, so I would like XXXX XXXX to properly verify the debit with my signature or delete this incorrect debt from my credit profile.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ZIONS BANCORPORATION (CO)

I have had an ongoing dispute with this bank/credit card holder. The debt of the credit card was left to me after a XXXX settlement and the collections refused to let me apply for low income repayment options because it was a cosigned card and then when they stated they would allow me to apply and I did, they stated it was too late and that they had already filed it into collections and were int he process of filing a lawsuit in Utah where the bank is based, this was starting in XXXX and I spoke to XXXX XXXX. Throughout the last XXXX years, XXXX has harassed me constantly, calling multiple times a day every day. Even during this process when I explained I was unemployed, the only primary care giver for my children, and even homeless and they were unwilling to work with any sort of affordable repayment option and threatened to call my employer to begin garnishment, and to further impact my credit since I wouldn't pay the amount they were demanding. Then in XXXX, I received a letter at my new address stating I hadn't responded to a lawsuit that was filed in Utah, which I had never been made aware of or contacted in any form whatsoever. I attempted to reach the person in charge of my case for approximately 4 months without responses and other employees were unwilling to assist me because she had sent into into suit and they stated there was nothing that could be done by anyone except for her. After trying to find resolution after all of this time, I finally was able to contact XXXX XXXX XXXX after her sending me threatening messages demanding I contact her by a certain date and her not returning any of my calls, she stated they would accept the principal amount due on the card, totaling {$5500.00} or a settlement offer with a letter of my circumstances towards this amount to clear the debt. When I was no longer employed with the pandemic I submitted my request and XXXX told me then that they were unwilling to accept anything less than {$7000.00} and that was a temporary offer as they were considering my debt to still be collecting interest opposite of our previous agreement. They continue to threaten me with negative impacts every time I reach out to try to find resolution with them and are unwilling to resolve the issues. They state there is no court documents filed but when I speak to different people with the company they use their threats of litigation or supposed current litigation to bully me into agreeing on a full payment of the full debt, which is unreasonable and not what was agreed to. They have used predatory practices and every-time I attempt to settle with them, they report my payments as delinquent for the next 3 months but if I do not contact them, they do not report this. The company is using manipulative tactics to scare and terrorize customers like myself.
Consumer complaint received 2019-03-24
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: SYNCHRONY FINANCIAL (CA)

My social security card was stolen with lots of my document in the year 2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Consumer complaint received 2019-03-24
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter XXXX, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open Santander has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX  I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

XXXX XXXX is reporting that I owe for a credit card on my Equifax report. I disputed this debt and was sued. I countersued because the collection agency failed to properly verify and validate the debtnafter telling them this debt was not mine. I asked for a jury trial. A date was given and XXXX XXXX failed to show up for trial. The case was dismissed. 

The collection was removed from my XXXX and XXXX reports but have remained on my Equifax. I have included a copy of the order of dismissal. XXXX XXXX did not meet the burden of proof and knowingly can not properly validate the debt so they purposely forfeited the trial.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AZ)

Experian is currently reporting on my credit report an account from XXXX XXXX. This account is for XXXX XXXX in the amount of XXXX dollars. This file is incomplete and inaccurate. The account did not arise from a written contract between myself or any of the above mentioned parties.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
Consumer complaint received 2022-09-15
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. (IN)

Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX. / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number : XXXX XXXX  Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting act XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-12-15
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. (IL)

Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (FL)

On XX/XX/XXXX, I received a letter from National Recovery Agency with an itemized list of procedures and services provided at a hospital on XX/XX/XXXX. First, I never received notice regarding this debt to allow me to dispute. This company had included an itemized list of services and procedures from the hospital, which is a direct violation of HIPAA, as I did not authorize this because I was unaware the debt existed until I received this notice on XX/XX/XXXX. So on XX/XX/XXXX, I responded to the company indicating I never received notice of this debt, nor did I authorize or request any information relating to this account - as I didn't know it existed, to begin with. SO when the letter from the company stated I authorized and/or requested an itemized bill or something similar is 100 % false. I never knew this existed before this letter.
Consumer complaint received 2022-07-21
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. (TN)

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ). 

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

There is an account on my XXXX  credit report that reported by Portfolio Recovery Associates. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
Consumer complaint received 2018-04-25
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. (TX)

Phoned XXXX XXXX Bank asking why they did a hard hit on my TransUnion credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use XXXX XXXX Bank. They use XXXX Bank. No reason why XXXX XXXX Bank created a hard hit then removed it. It will remain on my TransUnion report for two years according to TransUnion.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

This complaint is with regard to TransUnion LLC. I tried to get my free credit report online on XX/XX/XXXX. I was denied and was informed that I would have to submit written proof and photocopied documents to the company in order to get my report. The time involved, the materials that I would have to gather and copy, and the postage cost does not make this annual report free. It has become instead a great inconvenience. 

Needless to say, I won't be sending these materials in the U.S. Mail, where they could be intercepted, stolen, or lost.

My complaint is that my husband was able to get his free report online from TransUnion a couple of days earlier. We have lived in our current home for the past twelve years. Our shared financial accounts date back to XXXX. In past years, I have had no problem with TransUnion and receiving a free report online. Why now does it no longer work with TransUnion?
Consumer complaint received 2020-12-15
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. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-12-20
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. (KS)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act US Dept ED Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Credit Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I've been receiving emails from Chase, my checking account is there. I've been enrolled without my permission into something call XXXX  XXXX  from Chase and they transferred me 6 times and disconnected me. They keep telling me this has nothing to do with the Chase. Yet the emails are coming from Chase. They claims I have to call XXXX XXXX to resolve this issue. This has nothing to do with XXXX XXXX and there is no place for me to unsubscribe. I'm very upset with the way Chase has handled this matter.
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : -XXXXXXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''