davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I visited a dental office named XXXX XXXX XXXX here in XXXX, Texas. My dental visit entails just regular XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX, being covered for the services was not an issue. Per my review of the XXXX explanation of benefits, the entire visit was covered and I had a {$0.00} balance for the visit. However, I recently checked my annual Transunion credit report. To my shock and surprise, a XXXX XXXX  via XXXX XXXX XXXX XXXX ( Which is the Parent company for XXXX XXXX XXXX ) performed an account review " credit check '' on XX/XX/2022. To the best of my knowledge and according to the Fair Credit Reporting Act, they need my permission for that. My first concern is, can a healthcare provider check my credit without my consent or knowledge? I wasn't applying for credit to pay for any services. My insurance paid the entire bill. ( I have documentation up request ) I didn't request to be screened for a medical loan of any kind. Nor did the provider ask to be considered for a firm offer of credit. The only relationship between us is patient and healthcare provider. Also, with the hospital not even being a lender, it doesnt have the capacity to make any kind of firm offer of credit. For this visit, according to my XXXX insurance paid claim status I had a {$0.00} balance. So, this couldn't have been for collection purposes. The healthcare provider, didn't get any written consent or authorization from me. So at this point, I am puzzled why the invasion of privacy by this provider. To add insult to injury, all of my credit reports including Transunion, has been opted out of promotional lists supplied to creditors. My question is, would this be a FCRA XXXX violation? Or at the least a Deceptive Trade Practice violation.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ClearOne Advantage, LLC (KS)

this company took money from my account for " fees '' on settlements that I have not authorized or have removed from the program. They have taken over {$3000.00} of money for themselves and not handled any of my accounts and taken money not owed to them. They misrepresented themselves. I've been requesting cancelation refund and removal from the program since XXXX and they still are charging me and emptied my accounts. I'm on medical leave. I've had a major operation. I've reached out several times for help as I'm cash strapped and they took all my extra money I had saved to help pay down my debt and put it all in their pockets. I can't get anyone on the phone even after holding for hours. I get email bounce back. I last spoke to someone on XX/XX/23 on a " recorded '' line starting that the {$800.00} some odd dollars that was currently in my account was being returned in 2 - 5 days and they emptied my account and called it a " service fee '' for themselves. I've also requested a manager call me back as they have collected a {$2300.00} fee an an account that is not settled at all. they stopped sending money to the creditor. They also tried to settle two accounts without my authorization and take fees from me on those accounts too. This is a horrible business. my credit score was XXXX when I enrolled in the program and now its in the XXXX range and NOTHING has been resolved and I've been robbed over XXXX. It makes me crazy.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My account continues to be placed on a 'fraud alert ' randomly. I have traveled back and forth between XXXX XXXXXXXX XXXX & XXXXXXXX XXXX. USAA continues to withhold my access to being able to use my debit card and it has left me in precarious and dangerous situations. This most recent incident caused me to have to rebook a car rental and have my maid service cancelled. I authorized payment for both of these items, but USAA again placed a random 'fraud alert ' on my account. They sent me a text message requesting I reply back with a " Y '' ( presumably for 'yes ' ) to let them know these were transactions that I authorized. I did so & nothing was acknowledged. I tried to run the transaction another time & it was again declined & I received another fraud alert placing my debit card on another " freeze '' not even an hour later. 

I tried to discuss this with the bank both in the past and today. Their response is wholly uncooperative and unhelpful. I am told that its for my protection and that's all they can do. In the meantime, I am having my transaction declined randomly and in the middle of trying to conduct business. When the freeze happens, they're system does not even work to accept me saying they are not fraudulent transactions. I spoke with XXXX ID # XXXX today who informed me there is no one else in the bank that I can complain to & that her department is the highest up. She went on to state that she can submit a " customer feedback '', but there was nothing more that can be done. She stated this is happening because I am attempting to use my card at an overseas merchant. I have used the card at the same merchant for the last few months as I have travelled back and forth. The fact that my card is now randomly flagged is unacceptable.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, we received an alert that our account had a balance of {$13.00} and given the fact that my husband and I just had direct deposits that were made we knew immediately there was a problem. We called the XXXX number located on our card to ask the situation and we were told that there were several on-line transactions made. I got on-line to look at our account from my phone while on the phone with the Wells Fargo representative . The presentative was hard to understand as she had a very thick foreign accent and my spouse in the background was also trying to speak at the same time. Needless to say, we both were in a panic our entire account balance had been drained. We told the representative that there were several transactions that were not ours. However, upon further review we found that 2 transactions that we had reported false were in fact our charges and were legitimate. We also stated that the card was in our possession which it was and still is. However, all of the illegal or false charges were on-line charges made with a company in XXXX, IL and all within a 30-minute period in increments of XXXX and XXXX until our account was finally drained and leaving us a mere {$13.00}. While these charges were still showing as pending and within hours of them being made, we called Wells Fargo and said these were not made by us. Fast forward to XX/XX/XXXX and Wells Fargo has denied our claim and said they will not be returning the money given our past spending habits. The argument can be made that yes, we make several on-line purchases, but never once have we ever purchased gift cards and again did not make these purchases on-line or otherwise.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

Dear Paypal Executives, I feel frustrated and powerless with the bad experience I've had when contacting a PayPal agent in XXXX. 
These people are dedicated to extorting customers with falsehoods and slander, damaging customer accounts. 
The Agent named XXXX from the call center in XXXX, I spoke at XXXX XXXX, placed a permanent limitation on my account in an abusive and arbitrary manner. 
Reference ID : XXXX XXXX I needed help resolving a payment I was trying to process and the system wouldn't let me. 
The agent XXXX did not pay attention to my request and arbitrarily he said that the account should be limited. 
I felt so scared and decided to withdraw my money before he limited the account. 
Before XXXX XXXX  my account was perfectly fine. 
XXXX XXXX from the call center in XXXX should not work at PayPal, they are people who do not work for the client. 

Please request the executives to take action on this character.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I have return this item to XXXX through XXXX locker system. I was told required time was needed till item would be received and return would be processed. A couple of weeks turned into months and no refund was issued. I contacted XXXX customer service via application and using chat service explained my situation. I was yet again told the item would be reported to a higher chain and investigate further. I didn't here from XXXX again. I then contacted my credit card them for a dispute of the credit. I was charge for a return item and no credit had been issue. My credit card company chase XXXX credit card was able to provide me with a refund, but quickly after a couple of weeks pass XXXX rebilled me for the returned item. I don't know why I was rebilled and later went back to the chat for custiner service and XXXX advise me they would report this to the higher UPS. I was again made to wait for a email response. When I received the the response email it wasn't clear as to whom I had to return information to. The email ask to reply to questions but until later I realized I was answering the reply to the wrong department ; I was told I was out of time when i coreect my mistake and could not pursue a refund of credit. 

Incident Report 1. Order number : XXXX XXXX. Today 's date : XX/XX/XXXX XXXX. Date return item was shipped : XX/XX/XXXX XXXX XXXX 4. How did you ship back your return? ( XXXX pickup, XXXX drop off, mailed with XXXX  or United States Postal Service, XXXX, XXXX Mail, etc. ) : XXXX locker 5. Description of the item returned ( item name, color, size, quantity, etc. ) : XXXX XXXX XXXX XXXX Cellphone 6. Have you experienced prior issues with returning items to XXXX? Never, this is my first time Sent to : XXXX XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

This company sends multiple texts each and every day for a debt never owed. I live alone. I am a XXXX senior who has never ever had cable or internet service at home save for my mobile phone. These folks refuse to provide any proof debt is owed. ( It's not ) They refuse to stop harassing with multiple texts/calls per day. They have been sued multiple times but apparently that has no effect on them continuing to try to collect a bogus debt. 

Name : MRS ASSOCIATES Organization : MRS ASSOCIATES 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (FL)

For years I was oblivious to this XXXX XXXX XXXX co account being opened in my name on XX/XX/2015 balance of ( {$26000.00} ) this account was opened fraudulent and XXXX did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but XXXX is still reporting this charge off
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I am opening a new case and attaching the data. I have already shared the password with Bank of America. 

When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. 

On Tuesday, XX/XX/2023, XXXXXXXX XXXX PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX XXXX deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. 

If there is market manipulation in XXXX or XXXX or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. 

If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds.

If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that.

To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX reported to the credit bureau that I was late paying my loan after theyve had taken money out my account which causes my credit score to drop XXXX points. When it was time to file an complaint i was advised to contact cfpb for credit inquiries
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; 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 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NV)

XXXX XXXX XXXX sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. 

This credit card debt is for Citibank , N.A . Double Cash Card, that was discharged on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to XXXX XXXX XXXX ( " XXXX '' ). I filed for XXXXXXXX XXXX on XX/XX/XXXX. I no longer owe this debt. 

I asked my XXXX XXXX XXXX XXXX  XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX XXXX XXXX. 

The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the XXXX. 

This Debt Collection should not even exist and they need to XXXX XXXX XXXX XXXX XXXX  the debt collection attempt for a debt I no loner owe due to XXXXXXXX XXXX that was filed on XX/XX/XXXX, and the Citibank XXXX XXXX XXXX  was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2022-07-26
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. (TX)

I submitted dispute letter concerning the following accts tht were inaccurate and blatantly wrong I highlited the errors and they said it was verified. Which is impossible and clearly they didnt investigate it thouroughly. This XXXX  child support for XXXX they have as a collection and closed. Also they have the account on my credit report and have the acct as open since XXXX tht case has been closed since XXXX. Ive sent letters to support this and transunion has failed to delete and do the due diligence. XXXX XXXX and XXXX XXXX are charge offs but have balances on a charge off tht totally violates FCRA and metro 2 laws but yet its still on there. I have XXXX XXXX XXXX on there as a charge off samething inaccurate reporting still on there. I have spoke to the fraud dept about inquiries tht arent mine and I have written letters. And they fail to do there job. I have got disrespected Whn I called and hung up on. Im tired of my rights being violated and being disrespected. It amazes me how XXXX can delete these inaccurate accts and info and transunion keeps it in there Whn I have done the work to point out the inaccuracies and incomplete information. Especially the child support on my report is way past statue of limitations and incomplete and incorrect as well as first premier and capital one and XXXX XXXX XXXX. XXXX XXXX XXXX is a collection and has a past due balance which is totally in violation of FCRA.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX  # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # 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 an account without my written instructions