davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This company placed a collection on my credit report for a debt that is not mine nor did I have any knowledge about. I have NEVER received anything in writing or calls from XXXX XXXX. I have NEVER received anything in writing from Fair Collections and out however I have been receiving phone calls at all hours ( before XXXX XXXX and after XXXX XXXX at night ) from this company. FCO failed to identify as a debt collector when leaving voicemails on my telephone and uses strong arm tactics in order to try to collect a debt I don't owe. 

FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX REG : XXXX XXXX   Account : XXXX ; Dated : XX/XX/2018 ; Amount : {$7500.00} I was released from a lease with Invitation Homes back in XX/XX/2018 due to having a XXXX  XXXX Injunction against the main leaseholder. I gave notice in XXXX, XXXX and XXXX to XXXX XXXX and they kept my security deposit as well. I was told I was released from the lease, court eviction and obligations with the home since it endangered my daughter and I. 
I even sent a video to XXXX XXXX in XXXX when I moved my things out displaying the damage the primary leaseholder did to walls, doors that was not my responsibility.
Consumer complaint received 2023-03-29
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. (VA)

I have one XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (CA)

Since XX/XX/2018 Allied Collection phone XXXX XXXX is attempting to collect on a debt that Ive already satisfied/paid in full.

To Whom It May Concern : On XX/XX/2018 I paid {$520.00} to XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX and they emailed a confirmation of payment to me confirming same. 

Actions I have taken : I explained this to XXXX at Allied and have provided to him the email receipt from XXXX XXXX XXXX. 

On XX/XX/2018 I emailed proof debt paid in full along with XXXX   address and phone number and reference number to XXXX On XX/XX/2018 I called Allied said they didnt receive my email and asked me to email it again to them at XXXX Today, XX/XX/2018 XXXX from Allied called attempting to collect the debt. I told him Ive sent proof paid 2x and he said he hasnt received it and asked me to email proof paid to XXXX. 

I just spoke to XXXX at Allied and now he wants a bank statement from me showing the payment of {$520.00} clearing my account. 

Im uncomfortable with this request. 

Please advise. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-06-13
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX 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 2019-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OK)

Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

The TJX XXXXXXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX., XXXX, MA XXXX Dear sir, I would like to mention on one purchase, which must have been on transaction XX/XX/XXXX of XXXX ( reference # XXXX ). I purchased a Himalayan salt lamp, shaped as moon, which was so cute. I believed it was {$7.00}, but it was not clear because I lost the receipt. I wanted to get it for one year. I saw it when I was started to be tormented by the sound. I believe it was {$3.00} at that time. Anyway, I loved it, and I bought it this time. However, it did not light up ; therefore, my husband tried to fix in vain. So, I put another one, seemed like a XXXX tree light inside and made cheerful after the unfruitful effort of my husband. I just want to report it, because I strongly believe it is the responsibility to offer the product which is the usable. Anyway, the store should check the package of plastic. It was easy to break as if indicating it was old. I prefer to keep this lovely moon shaped mini lamp by myself, so I do not return it. Anyway, I broke the electrical part or wire by myself after the effort of my husband ; therefore, it was clear I could not return it. 

There is one concern on website account from last month. It says the current balance is {$360.00}, even though I paid back full to your company this month. Therefore, I believe I do not owe so much money to your company ; even though I am not sure your company might have your own calculation system online. But I prefer your company will have more customer friendly system, which we can check how much we own to you and can control ourselves on our weakness of desire to purchase our favorite things. 

I am still waiting the answer on my unusable reward certificates ( certificate # XXXX, XXXX ). I strongly wish your company will make the certificates usable. 

Sincerely,
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (WV)

This complaint is in regards to Credit Collections USA Account Number XXXX for {$30.00}, Acct Number XXXX for {$30.00}, and Account Number XXXX for {$280.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank NA ( XXXX XXXX Visa credit card ) debited my XXXX XXXX checking ( XXXX ) account {$7000.00} for the auto pay on XX/XX/2020 when my statement balance was XXXX ( I had previously paid it online to ensure I wouldn't go above my credit limit ). My XXXX  account went negative as a result and I was assessed a {$35.00} overdraft fee which TD Bank NA refused to pay. They also refused to electronically reverse the auto pay by crediting my XXXX account for that amount which had already been paid. I complained about this to phone supervisor XXXX ( ID=XXXX ) who refused to credit my XXXX XXXX card for the {$35.00} overdraft fee OR to reverse the {$7000.00} autopay by crediting my XXXX  account for that amount Copy/paste from credit card website : If we do not complete a transfer you authorize on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. 

For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance. 
http : //docs.tdcardservices.com/pdfs/online_servicing_agreement.pdf
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (PA)

In brief, XXXX has run a credit report on me without my permission, knowledge or consent. 
I had an account with them until recently. I wanted to downgrade my services and move them,, as I moved houses recently. The representative decided to close my account and then open a new one for me. This required, according to the representative, a credit check. I refused since I was their customer until 2 minutes prior and I find this ridiculous. I said no thank you and left the store. 
A few days later I received in the mail a letter denying my request for an account because of my score! My score is actually in the high zone and so that was a lie. They provided several reasons, one of them that I do not have a SSN, the my credit history is too short and so on - reasons not grounded in reality. 
I tried to contact them, was promised a reply back and never heard anything. 
I find it outrageous that a company like that allows its employees to run credits reports without permission or reason.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Consumer complaint received 2022-05-04
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: Nelnet, Inc. (GA)

This has been an on going issue with XXXX. I sent letters to Nelnet and XXXX asking for the accounts listed to be investigated per the FCRA. I sent complaint and XXXX responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2019-08-28
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2020-01-31
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I sent a payment to my attorney and they money hasnt been available. The payment was made on XX/XX/XXXX. We have tried to call a minimum of 7 times and we get different answers every time we talk to PayPal. Each time we are on the phone with them we get disconnected when we are on the call 20-45 minutes this has happened a minimum of 5 times on XX/XX/XXXX.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (GA)

I have disputed these fraudulent inquiries with Equifax multiple times. I've completed the FTC identity theft report and have faxed it to the bureau. I have notarized the documents and faxed it to them and yet no resolve. i am looking for Equifax to remove these inquiries immediately. I have attached the report and my fax confirmation. Thank you!
Consumer complaint received 2020-01-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX  {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX   XXXX  {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX
Consumer complaint received 2018-12-05
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: CITIBANK, N.A. (NY)

I called CBNA customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

I have already submitted several complaints regarding this vehicle. I asked wells fargo for a refi and loan assistance. They said they would look into situation and do everything to help. So far they have purposefully delayed answering and refused to provide a refi or any type of assistance. My last request was for a copy of the original installment and/or loan agreement which they have failed to send. I asked for it 3 times last request on XX/XX/2018 both in writing and speaking to a rep. The vehicle has been placed on non op status due to being a manufacturer defect and having 2 open recalls on it. Wells fargo has been aware of this and now wants to repo this car.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-05-04
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (UT)

This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX  was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (PA)

We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Collections LLC (UT)

Paragraph 1 On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report account disputed Cascade Collections could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. Credit dispute results attached from XX/XX/XXXX see page 1 in attachment Paragraph XXXX XX/XX/XXXX Company XXXX XXXX was on credit report XXXX XXXX could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted copy of credit report attached from XX/XX/XXXX see page 2 in attachment Paragraph 3 XX/XX/XXXX XXXX XX/XX/XXXX put an account that could not comply with 15 U.S.C. 1681 ( reference Paragraph 1-2 ) back on credit reports copy of account attached from XX/XX/XXXX see page 3 in attachment Paragraph 4 XX/XX/XXXX Sent Validation defined in 15 U.S. Code 1692g via USPS certified mail to XX/XX/XXXX and XXXX XXXX, receipts of delivery included with copy of validation letter. As of the date of this complaint still no response to 15 U.S. Code 1692g see page 4-11 in attachment Paragraph 5 XXXXXX/XX/XXXXwas removed due non compliance with 15 U.S. Code 1692g and 15 U.S.C. 1681 see credit report attached from XX/XX/XXXX see page 12 in attachment Paragraph 6 XX/XX/XXXX XX/XX/XXXX could not comply with my rights defined by FCRA 15 U.S.C. 1681 and FDCPA 15 U.S. Code 1692g and now seeks Unlawful Judgement via XXXX  district court state of XX/XX/XXXX copy of Judgment attached see page 13-18 in attachment