davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

In XXXX of 2023 I was a victim of an employment scam. I had sent money through Venmo to the scammer with fraudulent checks the scammer had sent. Causing the bank to take the money from my own account due to fraudulent checks. When I discovered this was a scam I contacted my bank to put stop payments with the bank and with Venmo since they had requested to send the money through Venmo once fraudulent checks were sent. Venmo did not issue the stop payments leaving me with a negative balance on Venmo of XXXX. They did not issue the stop payments for whatever reason. I filed a report with the police. Since I was a victim of an employment scam and Venmo did not act efficiently enough they expect me to paid the owed balance. They call me frequently but do not leave messages or send mail to my home address. 

Falling for employment scams is humiliating, and degrading. I understand now the complex scams that people use by posing as recruiters, and having email addresses that resemble that of the company. These scammers pray on people trying to better their lives.
Consumer complaint received 2022-06-16
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-16
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

J P Morgan Chase inappropriately applied my additional payment of {$1600.00} to my XXXX interest balance instead of the additional charges to my credit card that has the standard interest rate. This allocation of my additional payment does not comply with the Credit Card Act of XXXX. The XXXX interest balance is on payment that extends to XX/XX/XXXX. The XXXX interest balance amount that was remaining was approximately {$800.00}, which Chase eliminated by incorrectly applying my additional payment. On XX/XX/XXXX, after reviewing my statement on-line, I contacted Chase customer service and spoke with two customer service representatives, one of which indicated she was a supervisor ( XXXX and XXXX of spelling ). They told me that there was nothing that they could do to allocate my payment appropriately and that this is just how their system works. They also refused to provide me the names of anyone else in authority who could provide assistance. They said if I wanted to complain further I could send a letter to an address in XXXX, Ohio, with no one identified as the recipient of the complaint letter. My request is that Chase apply my additional payment to the additional charges on my credit card and leave the XXXX balance payment in place through its contract period of XXXX. Please note that I also filed a complaint ( No. XXXX ), as I was unsure as to the appropriate authority to contact.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

I noticed several credit card accounts on my credit report that does not belong to me. 
XXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXXXXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... Account Number XXXX... Date the Account was opened XX/XX/XXXX
Consumer complaint received 2022-06-16
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. (TX)

I noticed several credit card accounts on my credit report that does not belong to me. 
XXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... AccounXXXX Number XXXX... Date the Account was opened XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

US bank is an unauthorized inquiry in my credit report, this was opend on XXXX XX/XX/2024 and i dont recognize as mine.. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TGA (NJ)

TGA Debt Collection LLC in New Jersey called my grandmother as well as my mother and told them that they have been trying to send a check out to me acting like they were XXXX. They told my mother to have me call them and I did. I have the whole recording of them deceiving me to receive my address and phone number. They told me that they were XXXX and that they were prorating me for my insurance policy and sending out a check for {$100.00}. I typed in the phone number XXXX and it says that the number is connected to TGA LLC. I believe the guy also lied and said that his name is XXXX XXXX. This is very illegal and deceiving. Im not sure what debt they are trying to collect but I will not stand for this.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (SC)

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.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (FL)

I have a debit medical collection for my daughter I made a payment plan, I started paying XXXX  monthly and after 2 or 3 I dont remember exactly, the system was unable to process payments, I called to XXXX XXXX XXXX and they informed me that I had not debit there. Then I noticed that the debt was in collection, so the debt was sold. Today XXXX I received a notification with a payment offer, I am willing to pay but how do I know that they are going to take away my collectionI think they should have notified me that my debt would be sold and they didn't. and they shared my information without my authorization
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

Upon reviewing my credit report I noticed a suspicious inquiry from American Express dated XXXX XXXX, 2023. This is a violation of 15 USC 1681 which constitutes fraudulent activity and also a breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for this inquiry. This is needed to validate the inquiry. I did not authorize any employee by this company to make any inquiry and view my credit report. I do not have an open account on my report with them as well. Finally, I demand a wet ink production of my signature authorizing the inquiry. If you are unable to provide me this information in 3-7 business days, I demand you DELETE THIS DEROGATORY and unauthorized inquiry from my consumer report in which I gave you no wet ink written consent to furnish.
Consumer complaint received 2022-06-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-02-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (FL)

I was born and raised in XXXX I just moved to XXXX  on XXXX XXXX ... I ha e reached out to the debt which is only XXXX ... its not mine is there anything we can do
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (PA)

American first finance charges 139 % apr and only {$9.00} was applied to my principal and the rest to the interest. When I called the representative to ask about the apr she then asked if I would like to make a complaint. That is all the she said this kind of loan is extremely predatorily for low income familys.
Consumer complaint received 2024-03-08
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

For dispute XXXX I didnt receive the item, XXXX showed what they received ( photo attached ) the bracelet was not inside the box, the box was empty. 

XXXX showed the signed proof of delivery, but not signed by cardholder ( photo attached ) according to credit card rules, I am not responsible for this payment!!!!!!
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I am writing to file a formal complaint against GENESIS CREDIT MANAGEMENT, hereafter referred to as " the Agency. '' My complaint is based on multiple violations of my consumer rights as outlined in federal regulations governing debt collection practices. Despite my attempts to resolve this matter directly with the Agency, they have not complied with legal requirements, compelling me to seek your intervention.

Account Number : XXXX ( XXXX ) and XXXX ( XXXX ) Violations Reported : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The Agency has failed to provide me with the required validation information regarding the debt they claim I owe. Despite this, they have proceeded to place a collection account on my consumer report, which I believe to be a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the associated regulations.

Failure to Allow Dispute - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt within the timeframe specified by law. This denial of my right to dispute has not only impacted my credit report but also my financial wellbeing.

Use of Misleading, Deceptive Means - Violation of Consumer Rights : The Agency has engaged in practices that are false, misleading, and deceptive, aimed at misrepresenting the nature and status of the alleged debt. Such actions are in clear violation of the principles and protections intended to safeguard consumers from abusive debt collection practices.

Unauthorized Furnishing of Information - 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The Agency has furnished information about the account to consumer reporting agencies without providing all disclosures required by law. This act is in violation of both the Regulation F of the FDCPA and the Fair Credit Reporting Act ( FCRA ), undermining the integrity of the information reflected on my consumer credit report.

I request the Consumer Financial Protection Bureau to investigate these allegations and take appropriate action against GENESIS CREDIT MANAGEMENT to ensure compliance with federal laws designed to protect consumers. Furthermore, I seek correction of the inaccuracies in my credit report resulting from the Agency 's actions and restitution for any harm caused by these violations.

I appreciate your prompt attention to this complaint and look forward to your support in rectifying this situation.

Thank you for your time and consideration.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (TX)

I opened an Upgrade Cash Rewards Elite Visa Card credit card on XX/XX/2022. My first statement was through XX/XX/2022 with a due date of XX/XX/2022. On XX/XX/2022, I paid off the full statement balance and noticed that interest was charged, despite the balance being paid in advance of the statement due date. Upon contacting Upgrade, they explained that the card is actually structured as a personal loan with interest accruing from the date of each transaction. The product is clearly marketed as a credit card and compared to other credit card products and does not clearly disclose that, unlike traditional credit cards, interest accrues from each transaction rather than statement due dates. This practice is extremely misleading and will affect many other users.
Consumer complaint received 2023-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (FL)

I have made my monthly payments on time with Sallie Mae ; paying extra monthly. My balances of {$13000.00} is even more than what the loan was originally for {$12000.00}. So what Sallie Mae is doing is applying that extra money towards the next month instead of the principle balance. Next month I owe a total of {$3.00}. I was unaware that any extra payments would not automatically go towards my principle. I've asked Sallie Mae for any additional payments that I make be specifically applied towards my principle. I was advised today that they do not put additional payments towards principle only. Any extra payment in the month would continuously be applied towards interest. This keeps me and other consumers in debt. For example my monthly loan payment is {$150.00}. I paid an additional {$500.00}. {$58.00} was applied to principle. How can anyone pay their loans off? Was this a law put into effect and when in which a company can apply any extra payments how they feel fit. I have a list of companies that I am calling today to question how my payments are being applied and if they give me the same answer that Sallie Mae just did ; CFPB will be receiving a complaint on each and every one of those companies. This system here is not set up to benefit in anyway the consumer. It is set up for failure and someone has to step in. I would like clarification on this if possible. 

Thank you
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (TX)

I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent
Consumer complaint received 2019-05-30
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: Radius Global Solutions LLC (FL)

There are two items from this company on my credit report that are in accurate. I have never been nor done business with radius global solution or the alleged XXXX XXXX XXXX. I sent a validation request and received nothing in return. 

This was not me nor do i have knowledge of the alleged debt
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (GA)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX