davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an auto loan with XXXX XXXX XXXX. At some point my account was taken over by XXXX. I missed a payment in XXXX of XXXX due to being bed ridden with a high risk XXXX & unable to work. I was in communication with XXXX & I was under the impression that I was granted a forbearance. I've talked to truist to no avail for XXXX. In XXXX of XXXX I had finally gotten ahold of a supervisor in the collections department that was able to help me after many others had claimed there was nothing that could be done. I squared everything away & after not being able to explain why there were XXXX late payments, she had agreed to remove them from being reported to the CRAs. I was told to check back in XXXX to be sure. I did, & I was reassured They were removed. Now XXXX of XXXX & they're still reporting. I spoke with all 3 CRAs after disputing & uploading proof of payments for those XXXX. XXXX notified me that they validated the debt, I sent in a request of validation & their method of validation but did not receive anything other than updated comments saying they were verified by the creditor. I spoke with XXXX again, & they're now stating there's nothing they can do about what the previous supervisor told me. Even though experians report for that account shows what day the payments were made & for how much. Which coincide my payment records for the months being reported late. The only payment that was late was XXXX & their not even reporting it as late for that month. The report in its entirety is inaccurate. Everytime I call any of the XXXX companies im stonewalled & told different things by each representative but ultimately get no resolution. My payment is {$370.00} per month, I've always paid XXXX. If I were actually behind XXXX they would have certainly come & gotten the vehicle. XXXX & the 3 CRAs reporting inaccurate information is unfair & hindering my credit worthiness to buy a home. I would like the steps needed to file suit against all XXXX companies as well as these false late payments to be removed.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (AZ)

I first received a debt collection letter from Zions Debt Holdings in XXXX that said I owed {$0.00}. I didn't think anything of it because of the amount so I shredded that paper. Yesterday on XX/XX/XXXX I received another debt collection letter from Zions Debt Holdings that said I owed {$150.00}. I made contact with Zions Debt Holdings today XX/XX/XXXX and the representative I spoke with stated that I defaulted with XXXX and owe this amount to them. I told the representative that is not true, that I cancelled my service with XXXX XXXX XXXX once I was able to because I was locked in for a certain amount of time ( 3 years ). The representative asked if I had anything in writing- the cancellation request. I advised him no because I had called XXXX and cancelled the service. The Zions Debit Holdings representative told me that per the contract I signed it states it has to be in writing. Which I told him that I called XXXX XXXX XXXX and spoke with someone and cancelled the service. Which then at that point he threatened me that if I don't have proof of cancellation in writing that I am responsible for paying this debt. I told him that I am not going to pay it then hung up. Then I searched my email and found an email that I received from XXXX XXXX XXXX on XX/XX/XXXX that states : " Subject : We hate to see you go! 
We see you have cancelled your professional home monitoring with XXXX XXXX on XXXX. 

We hate to lose you as a valued customer and want to give you one more offer before you go. Call XXXX and speak to a customer care consultant who can create a customized home security offer exclusively for you. 

If you change your mind about professional home monitoring, we hope you will reach out to us for reactivation at XXXX " Once I found that email I called Zions Debt Holdings, spoke with same representative ( I forgot his name ) and told him that I found proof and read to him what the email states. 

He told me to forward the email to XXXX and that I should receive a response via email in 3 business days. 

So I did forward the email to that email he gave with a subject line of : " Reference # - XXXX| XXXX XXXX ''
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/XXXX the date this account was open and the amount on there is {$630.00}. On XX/XX/XXXX another account was open and the amount on there is {$15.00}. I sent letters during my XXXX XXXX XXXX XXXX with documents of my XXXX, telling the companys that these are fraudulent activities and was not authorized by me, letters was sent to the credit bureau and to the companys that been reporting these information on my profile, the companys never responded and the credit bureau never took these activities off my credit profile
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to file my final formal complaint regarding multiple violations of consumer protection laws by XXXX and Transunion. Upon reviewing my credit report, which began in XX/XX/XXXX after countless denials for a rental application, I have identified egregious discrepancies that directly contravene federal statutes designed to safeguard consumer interests. It is now XX/XX/XXXX and I am still dealing with the violations of this report, which have contributed to the trauma of my life since XX/XX/XXXX. 

Firstly, in accordance with the FCRA Section 609 ( 15 U.S. Code 1681g ), both XXXX and Transunion have failed to provide the original contract, a crucial document pertinent to the accuracy of the reported information. Furthermore, the non-provision of Form XXXX, as mandated by the Internal Revenue Service XXXX IRS ) XXXX constitutes a violation of tax regulations, exacerbating the already precarious situation. I've been requesting these documents since I first began disputing the account in XXXX. 

Most concerning is the dissemination of inaccurate payment history, balances, and account status, which directly contravene the Fair Debt Collection Practices Act ( FDCPA ) Section 808 ( 15 U.S. Code 1692f ). The presence of a purported past due amount subsequent to the charge-off status not only violates federal statutes but also calls into question the integrity of the entire credit reporting process. 

Continuously updating inaccurate information to my credit report but not providing any requested verification is several violations within itself.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2024 fraud was done to my account. Wells Fargo sent my ATM card to a completely different state and address without my permission of address change and there were ATM withdrawals done on the other side of the country. I never had my ATM card in my possession that I ordered there were multiple trends actions done. Wells Fargo credited me for pending transactions immediately but I feel they did not even look into the ATM transactions. They denied my claim and closed it. I have made a police report at the XXXX Police department the police report number is XXXX XXXX XXXX. I would like them to pull camera footage from the ATM in New York that this money was pulled out of to prove that it was not me doing it. And I would like my {$2900.00} return to me. I never changed my address for the card to get sent to New Jersey. I don't know why it got sent to New Jersey I live in Oregon and the transactions were done in New York. I don't understand why I got credited back for pending transactions with the card that was never in my possession but they won't credit me for ATM withdrawals with the same card that I never had in my possession.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

They offer no interest if you pay off your purchase within 6 months with there promotional purchases on XXXX. Then recently I noticed that after my last several weekly payments the balances for my promotional purchase balances were not going down. I called them about it and they told me they are applying my payments to my non promotional purchases to lower my interest fees ( but by doing that, it is ensuring that I don't get the promotional purchases paid off in time so they can then add those interest fees on to the bill. ) This wasn't their practice before. I'm not 100 % sure when I noticed this occurring but it has not been for very long. When I called them about it, they keep acting like they are doing me a favor by applying my money to non promotional purchases instead when their real intent is to make it where you don't pay the promotional purchase off in time so they make that interest fee also. 

They told me the only way I can directly apply my payment to the promotional purchase is by calling into them every time I make a payment. Which is a big hassle if I'm doing online payments. Again, I told them that I never had to do this call in thing in the past so why is it all of a sudden now you have to? It's a scam they pulling so they have a better chance that the consumer doesn't pay their promo purchase off in time to earn no-interest on the purchase. PayPal is using " Synchrony '' to facilitate the credit accounts, but the payments and policies are made through PayPal. 

One customer service rep even suggested I just pay the whole promotional payment off in one payment and I wouldn't have this problem! How more unprofessional reasoning is that?
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

A letter from Chase bank was mailed on on XX/XX/2020 stating that they were going to debit accounts on XX/XX/2020 for " Govt. Stimulus Chase 30 Overdraft Assistance ''. I did not pay much attention to the letter as I had a negative balance on my account due to my unemployment and when the stimulus check was deposited the bank took out their over draft fee ( A service I never requested or signed for as I had a debit account and told the banker that I was not interested in overdraft insurance, that I wanted the account to function as a debit only and pay out if the funds were not in the account ). 

On XX/XX/2020, the balance ( XXXX ) in my account was taken by the bank around XXXX XXXX, and I was left with a overdraft of XXXX XXXX  XXXXThere was no need for this, I did not authorize this. Yes, the balance was small because I am unemployed and had been living solely on the stimulus check. That {$16.00} was going to pay for laundry. Because that did this. The money in my savings can not be transferred to my checking/debit account because they will take it and I have a small amount of money left. 

I tried calling them, but was unable to get through the lines as there was no customer service available, I kept going into a loop. Tried 3 different numbers. My daughter somehow was able to get through and was she was told was there was nothing that could be done about it.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (FL)

Institution Information : KINUM INC Date of collections : XX/XX/2023 Date of Inquiry : XX/XX/2023 Collection amount : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have reached out to the institution about the account informing that it doesnt belong to whatsoever nor have I gave this institution permission to open up account within my information in the first place. They cant even verify no information of address or identification that verifies to me with email or phone number or a confirmation number of me even open the account. The count as well is hurting my credit score because they say that is in collections due to no payments or late payments. The account is reporting only to XXXX.
Consumer complaint received 2022-08-14
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. (FL)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX. XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The following accounts do not belong to me. I need to get these things fixed immediately, it is hindering my livelihood and my quality of life. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 
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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. XXXX from XXXX XXXX and XXXX from XXXX XXXX  According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXXY Date of inquiry : XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my XXXX XXXX and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limited. 
I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

We sell XXXX XXXX through the website, XXXX and XXXX I think it's a customer complaint or a picture infringement, I asked palpal, but it didn't tell me, Each order is shipped by XXXX or XXXX which can be tracked by tracking number.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.