davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
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. (AZ)

Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit scorXXXX suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (GA)

This complaint is a continuation of the current open complaint XXXX. After filing complaint XXXX, Fortiva falsely reported to credit bureau that my account is over 30 days past due. This is a clear violation of the FCRA. I have only been contracted with Fortiva for 9 weeks. My first INCORRECT payment per original complaint was auto debited by Fortiva, from my bank account on XX/XX/23. My second payment due date was XX/XX/23. Fortiva falsely reported that my account is over 30 days late on XX/XX/23, causing a XXXX point score drop on my credit report. I spoke with Fortiva representative on XX/XX/23 at XXXX, she stated she could only note my account, she could not make changes. She stated that her call was to address missed payment due on XX/XX/23. I advised her that I would be filing suit against the company for reporting false information to the credit bureaus
Consumer complaint received 2023-08-03
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. (FL)

I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXXXXXX XXXX remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NV)

I am XXXX this complaint against Cash App. I have filed a few disputes with this company and they have violated my right every time. The past three disputes that I have dispute were unauthorized transactions and cash app never even investigated and when I gave them proof of them being unauthorized they didnt care. They also didnt give me adequate documentation of what they used to make the determination on my claims I let it go the first two times but this is now the third and also right after denying my dispute they closed my account. I am hoping someone could help me. 


The first was for {$25.00} when my debit card was used at a gas station a few miles from my house. 1 I dont have a car. 2 I called said cash station and they said that I was a male who used my card and they will fully cooperate with what ever my bank need to issues a refund. Cash app never disputed the charge. 

The next one was for {$20.00} a few months prior I order something off a website well apparently they kept my card info and months later after changing their name and website randomly charged my card. I found similar stories from people this had happened to and sent that info to cash app along with everything that I found out to show them that I wasnt the only person and once again there didnt even investigate The last one was for {$39.00} when I got charged for a subscription that I cancelled. I showed cash app the cancellation email stating I canceled that subscription and cash app ignore my dispute and closed my account. And then I emailed support to file my dispute again and find out why they closed my account and they denied my dispute without proper investigation. 

Total of {$86.00} All three times I asked for documentation that they used to determine the outcome of my dispute and every time they only sent me a copy of the charge nothing else.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Revenue Corporation (TX)

There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, XXXX XXXX, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the United Revenue Corp account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

Notice for Proof of Claim Account : MEADE & ASSOCIATES INC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill,  or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

AMEX account was due to be removed from my credit report in XX/XX/XXXX. AMEX updated a balance on my account and changed the on record from XX/XX/XXXX to XX/XX/XXXX. I have not and will not agree to repayment with them and want my credit report to be updated with the correct date of XX/XX/XXXX. Thank you.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As you could see from the settlement letters, all the following accounts have been paid and settled. There should be a zero balance on the accounts. However, the companies reported balances to the credit bureaus causing my Credit Fico score to suffer a lower status. The lower Fico score will keep me from obtaining lower rates, qualifying for home opportunities, cause higher interest rates on car buying opportunities and could even prevent me from gainful employment in some cases. Especially during this pandemic, work is essential and Better Credit Fico scores open doors for better opportunities. I am being restricted from those better opportunities while the following companies report incorrect information regarding my accounts. Please review the settlement letters below and dispute with the companies. Thank you : 1. Capital One Bank ( Credit Card ) Account XXXX Status : Paid {$2100.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 
Judgement in court satisfied XX/XX/2021 as seen in the documents. 

2. XXXX XXXX XXXX XXXX, XXXX XXXX Account XXXX Status : Paid {$790.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 

3. XXXX XXXX XXXX XXXX XXXX Car loan ) Account XXXX Status : Paid in Full as of XXXX XXXX. Balance should be {$0.00}. 

4. XXXX  XXXX XXXX XXXX Credit Card ) Account XXXX Status : Paid {$670.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}.
Consumer complaint received 2021-05-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

According to Carrington Mortgage Company , the assistance program that is put into place due to COVID-19 and covered under the CARES ACT to protect homeowners in need during this critical time : Carrington stated that during the forbearance period for all loans that customers would not be required to make a regular monthly payment, would not assess any late fees or other fees, and the current credit reporting status would remain the same every month during the forbearance plan. Before the pandemic, we never missed a payment and had no late or any other fees attached to our loan. Our credit report has been seriously damaged due to the negative credit reporting by Carrington. We are currently still in the forbearance due to Covid and the winter storm in Texas. Our credit report shows an increase of ( {$1600.00} XX/XX/XXXX ), ( {$4900.00} XXXX XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$2500.00} XX/XX/XXXX ) ( {$1600.00} XX/XX/XXXX ), and ( {$1600.00} XX/XX/XXXX ). I have made several phone calls to Carrington and have sent several letters via fax. This company has continued to ignore my request to correct and remove these added-on fees.
Consumer complaint received 2023-07-07
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX BANK XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX & MO XXXX XXXX XXXX {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (PA)

I contacted First Federal Credit Control of XXXX XXXX in Ohio on XX/XX/2021 to pay off two debts. After completing payment over the phone via credit card, I received an email confirming deletion of accounts was requested. I waited after some credit bureaus still reported the account after 45 days ( one was deleted, one wasn't ) and contacted FFCC via email for them to honor the letters ( both dated XX/XX/2021 ). In addition I disputed the account as it still showed on my credit report. On XX/XX/2021 I received a response from XXXX that the account information will remain. I retained my bank statement from XXXX and the letter from FFCC.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023, we closed on a construction loan with Citizens Bank. The construction loan was to construct a new primary residence in XXXX XXXX, New York on a plot of land we already own. Pursuant to the loan closing disclosure, attached to this complaint, the loan was for {$820000.00}, where approximately {$80000.00} was for construction costs and {$20000.00} was for closing costs. There was no equity requirement stated within any loan documents or conveyed verbally by the bank. This is reflected in the aforementioned closing disclosure. A check was produced by the bank 's attorney at closing in the amount of {$100000.00} to begin the initial draw. After we received the funds, we realized that the bank did not provide the full amount of the initial draw. Upon further investigation on the Citizen Banks app XXXX XXXX XXXX, we noticed that our loan amount changed from {$820000.00} to XXXX XXXXXXXX a difference of {$19000.00}. Coincidentally, this was the exact same amount of money that we had previously expended out-of-pocket for the demolition of the previously existing structure. We had been told by our loan officer that we would be reimbursed this amount, at closing, as it was part and parcel of the build. We had not been reimbursed. 
We continued to try and figure out what was going on by contacting numerous people at the bank. It was then that the construction department at Citizens, informed us that we had an equity requirement for the loan. As you can see from the disclosure documents, there is no mention of any such requirement on ANY loan document. Nor was it ever conveyed verbally or in writing. Coincidentally, the equity amount was {$19000.00}. However, as per the construction department, the bank decided rather than request equity, they would simply credit us the {$19000.00} equity requirement because we had " in earnest '' already spent that amount. We are now short funds to build. 
We have tried on numerous occasions to resolve this issue with the bank. We have escalated it to several departments and managers within Citizens Bank to no avail. We have demanded an explanation in writing from several managers. The latest is XXXX XXXX, XXXX - Area Manager. No one will provide an explanation as to why our loan amount changed without our knowledge and consent, why they added an equity requirement after closing without our knowledge and consent, and how they will remedy the shortage of funds.
Consumer complaint received 2022-11-18
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. (IA)

Experien reflects a score of XXXX. XXXX and XXXX XXXX have not updated their information. There shouldnt be any debt collection accounts on my reports because the debts were a result of my employment with XXXX  XXXX XXXX, their XXXX XXXX  affiliated employees, and the trafficking that I suffered as a result. XXXX screamed at me saying that my credit was about to take a dive, while I was employed there. Theyre responsible for the Genocide charges that I added and theyre responsible for sanctions against the United States Government XXXX Im the reason why they passed the Debt Bondage Repair Act in the first place. Theyre not permitted to violate 42 USC 3631. Theyre also not permitted to violate 18 USC 246. Theyre are multiple acts of Congress and theyre using portions of my case with respect to my privacy in the Supreme Court Case United States Vs. Ciminelli. That includes the XXXX XXXX XXXX XXXX. They should have immediately wiped it instead of letting it continue.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital one had decided not to let my payments process for an entire month leaving my credit card completely depleted well past the date it needs to have a payment made for my credit report. It also doesnt let me use cash back and has recently made me confirm my bank account to prove. They are clearly mad because I never have to pay interest and get cash back. This it to far effecting someones credit is a big deal. When I called them and said I would report it they got completely stopped talking to me. This happened on XX/XX/23