davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.
Consumer complaint received 2019-01-26
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: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section XXXX, subsection ( XXXX ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I  also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2023-01-26
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. (CA)

Hello, Experian failed to their proper investigation once again and says that I have to reach out to the creditors. The creditors will not give me any information on these accounts because THEY DO NOT BELONG TO ME. Experian needs to do their due diligence and look into these accounts I've disputed and not just give me a computerized response. 

I need method of verification I need to know why they keep updating the accounts and marking them as verified without giving me the consumer how they came up with that conclusion. 

These accounts are ruining my good name and need to be deleted asap!
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

Bridgecrest formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX is a Consumer filing this Complaint and it is not a third party. The following credit reporting agencies are violating FCRA and FDCPA by reporting transaction experience between a Consumer and a creditor. Which is a Violation of 15 usc 1681 ( a ) ( 3 ). I DEMAND that this account be removed IMMEDIATELY. 
XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. {$880.00} past due as of XX/XX/XXXX. 
Account number XXXX
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Byrider Franchising, LLC (PA)

On XX/XX/ 2022 I sent a notarized & mail certified letters to the company JD Byrider ; Informing the company of there violation against me as a consumer. I was charged an excessive amount of interest in the amount if 21 %. According to PAs Usury law This shouldnt have happened. The maximum amount of interest that can be charged for a loan or money financed under 50k must not exceed 6 %. This company has charged me more than 3x this amount. According to the law I am entitled remedy and I am exercising my right to claim such remedy. 
I demand for them give me what the law says I am entitled to which is 3x times the amount I was charged. This totals to approx. 74k in U.S. money.
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 — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, XXXX XXXX XXXXXXXX accidentally overcharged my BJ 's Mastercard {$80.00} instead of the agreed rate of {$20.00}. They apologized and issued a credit of {$60.00} on XX/XX/XXXX at XXXX XXXX The reference # for the credit is XXXX. 
The credit never appeared on my Mastercard so I filed a dispute with Comenity Bank ( Bread Financial ) who is the issuer of the BJ 's Mastercard. Comenity did not apply a temporary credit until the dispute is resolved as they had promised. Now they are saying that they have closed the dispute since 60 Days have passed. I do not want the XXXX XXXX XXXX to be charged a charge back fee when they have already provided Comenity Bank proof of the credit that they applied to my Mastercard. Each time I call Comenity Bank ; they will not let me speak to a supervisor. They tell me that the credit will appear on my Mastercard account in 7 - 10 business days but it never appears. I am very concerned because BJ 's XXXX XXXX is fed up with Comenity Bank and is switching to XXXX  XXXX on XX/XX/XXXX. I am living off of a very small Social Security benefit and can not afford to lose {$60.00}.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (DE)

To whom it may concern, I recently applied and received an Edward Jones credit card with the promotional promise of 0 % transfer fee and 0 % interest charge on the first 12 billing cycles. However, on my most recent statement on XX/XX/2023, I saw an interest charge. I contacted customer service on XX/XX/2023 regarding the interest charge and was told that they reverse this month 's interest charge but that they would be charging me interest moving forward. I would like the company to honor the promotion promise of 0 % interest charge on purchases for the first 12 billing cycles.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.

Remove all remarks or comments off my consumer report.

Pay the attached bill of particulars for every violation labeled in the attached exhibits.

Return requested documents 1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor.

3. Alleged account # 4. Date of original charge or delinquency.

5. Was this debt assigned to a debt collector or purchased?

6. Amount paid if debt was purchased.

7. Documentary evidence that this agency is in fact the holder in due course.

8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (PA)

Cash app has been an issue for me for quite a while in regards to an old account that I am the owner of but unable to access due to outdated and expired information needed to verify. 
I have an old account with cash app tag ( XXXX XXXXXXXX ), and when I XXXX in XXXX of this year, several people cash apped me to this old account. I have tried numerous of times to get answers on why I can not access my cash app funds. The phone number I had when I opened this old cash app account is on my public record as me being the owner. i however, have gotten a new number and have had the same number as of now ending in XXXX for the past 6 years. The phone number they have on record is XXXX. Cash app also wants to verify you using an expired credit card used to originally link the account which after 6 years has been expired/ and lost and wouldnt have that information. I have given Cash app my full name, and gave them the old number I used to have, but can not verify the debit card with the first XXXX digits they are requesting from me. I think its crazy. I have offered to submit my ID and also other information to verify it is me. Clearly the linked bank card they have has to have an address that is mine that is associated with my old and new account. My current account is XXXX XXXXXXXX. I would like my funds that are in the old account ( XXXX XXXX ) to be transferred to my new and current account. I have had the person call cash app who sent money to my old account and due to security reasons couldn't disclose information to them, and advised I call in. Which I have and even was on XXXX with cash app to verify each party. I still havent had my money refunded, nor was the account totally closed because the person who sent money even canceled it on their end, and was told after 10 days the money would be refunded. That still hasn't happened. I would like my money to be deposited into my new cash app. I know of at least XXXX dollars in the old XXXX XXXX account. The transaction id is # XXXX and the sender was XXXX XXXX with cash app tag XXXX XXXXXXXX. This was sent on my XXXX XXXX XXXX XXXX XXXX XXXX to my old cash app tag stated. The email I got as confirmation and even tried to verify with Cash app my email associated with the old cash app which is ( XXXX ). So I want my money immediately, as I have waited long enough. Spoke to several managers at Cash app with no resolution. Its unacceptable.
Consumer complaint received 2022-08-16
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: CAVALRY INVESTMENTS, LLC (VA)

There has been a debt collection company calling to collect a debt which is not owed by me. I have told them this numerous times and have not had any lending from the original lender for at least XXXX years. 

I just checked my credit report and the debt collection company has repeatedly accessed my credit report without my authorization under an " account review ''. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in XXXX. They also told me that there are multiple accounts open in other states, also " XXXX XXXX XXXX XXXX '' a debt collection agency in XXXX XXXX, XXXX XXXX keeps calling me and family members in trying to collect money for furniture I didn't buy in XXXX. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

Santander bank has repeatedly placed extended holds on deposited checks when I've never deposited a bad check and I've been a customer for almost a year. I feel that this is a regular practice of theirs to hold customers funds longer than necessary in order to increase their earnings on interest.
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (GA)

I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from the Equifax data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.
Consumer complaint received 2019-01-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (FL)

Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it
Consumer complaint received 2018-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I advised Chase I had lost my job. I was granted a forebearance for six months. I found a job in XX/XX/XXXX. I applied for loan modifications beginning in XX/XX/XXXX through XX/XX/XXXX. I contacted an attorney in XX/XX/XXXX. In XX/XX/XXXX, Chase advised me they would begin foreclosure proceedings. I filed for Chapter XXXX in XX/XX/XXXX. In papers provided by Chase on XX/XX/XXXX, I was advised {$18000.00} was in arrears. Chase has now doubled that amount. It seems Chase continues to discriminate against minorities, specifically, XXXX and the elderly. They continue to add on costs to inflate these fees. I have been in this house for 20 years, and it seems I owe more than the purchase price. Chase needs to be held accountable for its mortgage practices against XXXX.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I had a collections account with Portfolio Recovery of {$1200.00}. I called them in XX/XX/XXXX and we came up with a settlement offer of {$850.00}. They said if I paid the {$850.00} by XX/XX/XXXX through their online portal, my collections with them would be settled in full. I tried to have them send me a letter stating this information and they said they would not that the conversation was on a recorded line and they would mark the debt as settled on my credit report once I paid. 

I paid the {$850.00} on XX/XX/XXXX and they still are showing that I owe {$430.00} on my credit report and the collections is still active. I have tried disputing it with XXXX and Portfolio Recovery closed the dispute with the reason being " Customer Disagrees ''. I called them and told them I need this to show settled on my credit report and they said they were going to change it and my account appears to be settled on their end. 

We are now in XX/XX/XXXX and this is still showing up as an active collection on my account. I need this collections removed from my credit report ASAP. This company has been lying to me for the past two months and basically made me pay the settlement amount we agreed upon, but are still reporting I owe them more when I do not. 

Please make them send you the recorded phone conversation so you can here them agree to the settlement of {$850.00}
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in XXXX They also told me that there are multiple accounts open in other states, also " XXXX XXXX XXXX XXXX '' a debt collection agency in XXXX XXXX, XXXX XXXX keeps calling me and family members in trying to collect money for furniture I didn't buy in XXXX. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Consumer complaint received 2023-07-05
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. (MA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2019-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

In XX/XX/2017, I was seeking a personal installment loan to consolidate debt. My credit isn't the best, so I was anticipating higher interest rates. OneMain Financial informed me that my Annual Percentage Rate ( APR ) on my installment loan would be 35 %. I was told that I could repay this loan for up to 5 years at {$320.00} per month. The principal amount was {$8900.00}, so I was anticipating paying over {$3000.00} in interest annually on the principal balance of the loan. What I was not notified of is that 1. ) The 35 % interest is accrued MONTHLY on the capital amount and amortized daily. So that over {$220.00} of my {$320.00} payment would go strictly to interest, leaving my capital balance essentially unchanged. I was also NOT notified that, 2. )  My total repayment would be over {$18000.00} or 118 % of the principal amount. This was NOT my comprehension of the terms when I entered into the agreement. I feel misled and held hostage. I have made XXXX timely monthly payments of {$320.00} to date and I still owe over {$7000.00} on this loan. In order for me to pay off OneMain, I will have to pay around {$850.00} per month for the next 12 months after previously paying nearly {$8000.00} already. This is NOT 35 % APR. I believe this is a blatant violation of Truth in Lending as well as predatory lending.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX Miscellaneous Banks XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX Miscellaneous Automotive XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/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 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 XX/XX/XXXX