davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (GA)

I checked my XXXX and I discovered that several medical bill was reported on XX/XX/2019 by AMERICAN ACCOUNTS ADVISORS. The account belongs to my ex wife to whom we have divorced and decree has been ordered that each person is responsible for their debt. I see that the date was reported in 2019 and I think she still continued to make payment up till our divorced was finalized. The other medical bill was reported to my account without a notice. I also believe I didn't owe the bill. All these was reported by AMERICAN ACCOUNTS ADVISORS on XX/XX/2019. The company is known for runing people 's credit. I have filed a dispute with XXXX.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-12-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC. (TN)

We have had email after email offerng a settlement offer, each time XXXX reply please send me information for an agreement its silent. Today I get an actuve reposession email and finally a payment amount to send. I need XXXX days to gather funds and send in to them now that I have an amount.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

For the last XXXX months I have been trying to shut down a joint savings account or to be removed from it. 

I do not personally have all of the dates and records, however I know that every conversation I have had in the last 3 months has been recorded. 

They have claimed that I could initiate removal even though I am not the primary account holder. I submitted that form while the account was still in a positive standing. I specifically asked the representative I was on the phone with what happens if my account drops into the negatives in the next XXXX business days since I am not in control for what the primary account holder does. 

He told me that wont effect your removal because you initiated this request while still in a positive standing I called back several times sense then and they give me all different messages. 

Finally a supervisor told me that that person who made this promise to me was incorrect and gave me misinformation. 

Since then I have continued to try and close the account, but the account kept dipping into the negatives. A representative told me they would change the account to overdraft protection. She was a supervisor and she promised me that once this change was made to the account that the account would no longer have issues going into the negatives and then they could close the account. 

Payments continue to be processed by loans that were not authorized by me. I asked them to stop payments on those loans. They did. 
The merchant continued to push payments from other accounts. I keep having to dispute the charges which then make it impossible for me to close the account because there has to be no activity on the account for XXXX hours. They claim there is nothing they can do to protect me from these unwanted and unauthorized transactions from occurring in the future. 


After being promised that my account had overdraft protection, another payment put my account into the negatives again. I called to request information, and was told that I could be reassured that this charge would be refunded to me within the day because of the overdraft protection. I asked this man to make note of it for me in my file just incase. He said he did. 

Finally my account was in a positive standing so I went to close the account and they told me they were I unable to close the account due to another transaction that was not posted yet but to call back the next day once the payment was posted and I could close the account then. 

I called back, but the account somehow dropped into the negatives again. I request to know why and they told me that there was no overdraft protection, even though I had been promised that there was. 

Finally I requested they provide me all of the notes that were taken regarding this issue, and all of the recoded phone calls be provided to me. 

This matter has been going on for 3 months
Consumer complaint received 2022-08-19
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. (IL)

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 n 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 2022-11-17
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. (TX)

in accordance with the fair reporting act XXXX XXXX XXXX has violated my right 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 it also says the account is still open which is inaccurate
Consumer complaint received 2024-12-14
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: Prosper Marketplace, Inc. (CA)

On XX/XX/year> I made an in-store purchase for a new golf driver from XXXX XXXX XXXX XXXX for {$700.00}. I was told the turn-around time was 4-6 weeks. I never received the item during that time frame so I called the store. The store said it was shipped and delivered, yet I never received the item. 

On XX/XX/year>, I started a dispute with my credit card Prosper Cards and received a temporary credit on XX/XX/XXXX. I called back on the first week of XXXX to ask for the status of the dispute and was told they have yet to close it. As of today, XX/XX/XXXX, Prosper reversed the temporary credit and has yet to give any correspondence as to why the dispute was denied.
Consumer complaint received 2023-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Bank Of America to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. Bank Of America Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. Bank Of America did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking Bank Of America to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Consumer complaint received 2023-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Person received 7 bank notices on XX/XX/XXXX that IRA accounts would be turned over to NYS unclaimed properties. The bank is Bank of America. On XX/XX/XXXX visited the bank and signed documents to avoid this from being done. The total IRA accounts equalled {$65000.00}. Upon further review, the IRA accounts had the person 's dad 's social security number on the accounts, although the correct name was on the accounts. The Bank of America investigation then approved the bank to putting the 7 IRA accounts into XXXX unclaimed properties without notifying the person. 
In XX/XX/XXXX two 1099 forms were received from the bank. The 1099 form was for distribution of {$56000.00} & {$9200.00} although the person never received any money. The forms were in the person 's name with the person 's father 's social security number. 
Now the bank states they did nothing wrong and the person should handle the situation with XXXX. There is money lost between XX/XX/XXXX and XX/XX/XXXX. This situation is truly the bank 's responsibility, but they are claiming it's not. How does a IRA account have the wrong ( deceased ) person 's Social Security number on it? The IRAs were all from the person and had nothing to do with the person 's father. 
Have been in touch with 5 different individuals between XX/XX/XXXX to XX/XX/XXXX without a solution for the person to recup the money owed.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (MD)

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 2024-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

I XXXX XXXX am filing a complaint against Radius Global Solutions ( XXXX ) for attempting to collect a debt that was not verified and validated. Radius Global Solutions has failed to properly verify the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g. The FDCPA requires that debt collectors provide proper verification of the debt within five days of their initial communication with the consumer. Radius Global Solutions has not provided adequate verification of this debt, nor have they presented sufficient documentation to comply with the debt verification requirements as mandated by the law. Without this documentation, I can not validate this alleged debt. The debt collector should understand the law to make sure that I am not being violated. 

This is a matter of trying to make Radius Global Solutions verify or validate this debt. I am demanding that due to current violation this account be removed from my credit report as my alleged debt. This debt is not mine. To continue to report to my credit report is a violation under the FDCPA.
Consumer complaint received 2023-04-10
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: General Motors Financial Company, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

We have fired our management company and closing the bank accounts, checking and money market, and the management company and specifically the bank are refusing to cooperate and give us any information. They will not give us deposit detail and they will not give us any bank statements. We have contacted both sides repeatedly with emails and physical visits to the bank with only to be told we have nothing for you, we no longer have this account, we can not give you anything. Then they wanted to charged us {$20.00} an hour and {$7.00} per statement which we should have been receiving all along free of charge. The errors and inaccuracies on both sides need to be looked into with XXXX and Truist Bank. We have made physical attempts at Truist Bank more than five times from XX/XX/23 to XX/XX/23. They have discontinued all communication by phone or email at this point and left us hanging blindly with no possible way to know who paid what and how to close out our accounts or balance the closing.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C. (GA)

A Law firm received a default judgment against me in 2006 in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added thousands of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I attempted to create a free online account activate a security freeze. The website continually returned an error message in spite of all the form fields being filled correctly. This happened in every web browser. I searched through their support pages and the issue was not listed. I called their customer service line within the business hours listed on their own contact page. I got an automated phone tree that did not include information on the problem or options to reach a live human representative. It simply gave me the address of the web page that was not working. I tried three different phone numbers and could not reach a live person.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-06
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. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAME OF ACCOUNT ACCOUNT NUMBER VERIFICATION XXXX XXXX XXXX Validate Account. 
XXXX XXXX  I XXXX Validate Account.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2023-04-05
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: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL CREDIT UNION AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MI)

XXXX, company holding the mortgage, used a predatory forbearance system during Covid that increases the likelihood of uncontrolled debt leading to foreclosure, and while the system promises access to make payments " in any amount '' this is not the case and required numerous phone calls to correct on more than one occasion. Business accepted payments that resulted in a partial payment and then refused to accept additional partial payments to resolve the month. After conversation with the XXXX, they retaliated against a complaint by maliciously adding a note to the account advising that no partial payments would be accepted for this account after a previous loss mitigation specialist set up partial payments and permitted these payments beyond the end of the forbearance period, that " they saw no reason I should not continue to use. '' This bait-and-switch tactic is predatory and creates the hardship their program is supposed to protect against. Business also offers a " bi-weekly, automated payment plan, '' but it requires that you pay one month ahead, which is hardly the reason borrowers need payment arrangements.