davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (GA)

.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information
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. (FL)

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.
Consumer complaint received 2022-06-07
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. (AR)

I have asked the three major credit bureaus To remove the bankruptcies off of my report due to the courts not reporting public records such as bankruptcies to any credit bureaus and do not furnish them any types of information about bankruptcy cases to the bureaus. I have asked multiple times and they wk not remove this information.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/2022 I attempted to send a wire from my Navy Federal Savings account via the prescribed method of sending an emessage thru their online system. On XX/XX/2022 the wire has still not processed and I attempted to call the bank, at which time I am told it can take anywhere from 24-48 hours to process such wire, even though it is time sensitive. This is unacceptable as I should not have to wait this long to access my funds, and I feel it is a way of unfortunately holding my money hostage and in violation of the regulating act.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

On XX/XX/2022 my debit card was stolen from me while shopping at XXXX XXXX That card was used 12 different times on XX/XX/XXXX and XX/XX/XXXX subsequent to its theft. All 12 charges occurred in businesses that I never frequent. There was even one  withdrawal of {$500.00} from a branch of the bank that issued my card albeit that branch is 75 miles from my home. Ten of the twelve charges/withdrawals occurred 75-80 miles from where I live. Four of the twelve charges/withdrawals far exceeded the amount that I typically charge or withdraw. This was all done despite the fact that my PIN is committed to memory. It is not written down anywhere, and no one else knows it. Despite all this, I did not receive a fraud alert from my bank until XXXX declined a XXXX attempted charge on XX/XX/XXXX. After making numerous calls to the XXXX XXXX phone number and receiving no satisfaction, I went in to my local branch and filed a claim for all XXXX charges which totaled {$3100.00}. On XX/XX/XXXX, I received a {$2100.00} debit card claim credit via automatic deposit into my checking account which is & XXXX short of my claim. Ive spoken to customer service representatives minimally four different times asking for an explanation of the shortage. Each time I have been promised that the reviewer of my case would call with an explanation. Ive been given a time frame for the promised return call anywhere from one to three days subsequent to my call. To date, I have not received that return call. Please help me. I am a 35 year  plus customer of this bank, and they have responded to me with disinterest at best and with disdain at worst. Thank you.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Companies, Inc. (FL)

1. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX, PA XXXX from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
10. The following account is not mine XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
11. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
12. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
13. The following account is not mine XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Hi, I have an account with JP Morgan Chase together with my wife in order to share common expenses as well as the renovation of our new home in Florida. As such I usually deposit/transfer money from other personal or investment accounts belonging to me and her. 

Every time, literally every time, I connect an external account and try a first transfer ( inbound always ) my whole account gets locked for online/mobile use. As I travel often for business that is the worst. 

This last time, my 4th external account linked and VERIFIED ( two deposita that needs to be identified ), after calling 4 times my account is still locked after more than 7 days.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mid-South Adjustment Co., Inc. (AR)

Mid South Adjustment Company contacted my employer to verify employment, I am actually the office manager so I am the one who took the call, I let them know it was me they were speaking to. They refused to tell me what the call was regarding transferred me to a different department and continued to ask for my address and date of birth, I refused to confirm any of my personal information unless they could tell me what the call was regarding. They would not tell me anything in regards to what type of company they were or why they were calling. I than googled the phone number and came across the article stating they were a debt collecting company and there have been ongoing complaints for harassment. They have not contacted me via my own personal number ever one time, so I find it extremely un professional and violating to contact my place of employment. I would have been more than willing to discuss whatever the matter may have been however they refused to even tell me what the call was even regarding without giving personal information. It is definitely a violation and I do not want this harassment to continue.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC (TX)

Re : MiraMed Revenue Group. Account Reference # : XXXX and any other one of my accounts with MiraMed Revenue Group. 

First, MiraMed Revenue Group ( thereafter " MiraMed '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX. or after XXXX XXXX., calling me during unreasonable hours when I have repeatedly asked MiraMed to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy. MiraMed alleges that I owe debt it wishes to collect. I have repeatedly requested that MiraMed send me an itemized list detailing all such debt and stating with detail and specificity what exactly each itemized charge pertained to. MiraMed has repeatedly refused to do so. Without such an itemized, detailed and specific list, it is impossible to verify MiraMed 's allegations as to the alleged debt. Thus, MiraMeds billing as to the alleged debt is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed MiraMed that the hospital ( XXXX XXXX  ) to whom MiraMed alleges I owe debt has illegally billed me, by virtue of discriminating against me with respect to other similarly situated patients by not granting me the same financial aid it grants to indigent individuals such as myself. The hospital  unjustifiably denied me the same financial benefits it grants to other similarly patients, thus violating its duty to only charge patients in good faith.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

XXXXXXXX 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 2022-09-13
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Consumer complaint received 2022-10-23
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: Foursight Holding LLC (GA)

I filled XXXX XXXX XXXX in XXXX XXXX  XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Foursight capital provided a number on last complaint to call to discuss this matter upon calling the number I was told Foursight capital doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. Foursight capital stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like Foursight capital to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. Foursight capital stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy Foursight capital was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after Foursight capital was paid in full. I had XXXX accounts added to my bankruptcy Foursight capital is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like Foursight capital llc removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.
Consumer complaint received 2022-10-23
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. (NC)

I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( XXXX ) # XXXX # XXXX # XXXX
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. (IL)

In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (IL)

Calls From Client Service I keep telling them to send the debt thru the mail and do not contact me anymore unless its thru mail or email everytime I tried to tell client service this they hang up on me in the middle of the conversation and calls me the next day
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. (NJ)

I have sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

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 instruction.

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Sunday XX/XX/XXXX I began a backpacking trip in XXXX California about an hour out of XXXX XXXX where I live. During that backpacking trip, my car was broken into and my debit card and phone were stolen. I got back to my car on Thursday, XX/XX/XXXX and then realized what had occurred while we were backpacking. This area is very remote and there is no cell service nor cameras so we were very shocked to see the car broken into. We eventually got down the mountain and then attempted to get in contact with the local rangers which who ended up telling us theres not much they can do as theres no way to figure out who it could have been due to the remoteness of the area. I loaded up my old phone once I arrived back at home and then proceeded to check my Wells Fargo account to see that the thiefs had used my phone and debit card to send them all the money in my bank accounts XXXX using XXXX XXXX. I then called Wells Fargo immediately and told them what was going on and after about 1.5 hours on the phone with them and had all the proper claims filed I was told they would be investigating my claims and I would hear back within 7 business days. One of my claims was approved and they moved XXXX $ back into the account but the XXXX $ in XXXX XXXX payments was denied as they said I approved it even though my phone and debit card were stolen. I am left with nothing and this must be resolved as I did everything in my power the second I found out what was going on to get this fixed. Ive been a loyal customer to Wells Fargo since XXXX and have done nothing but be a good customer.
Consumer complaint received 2022-06-07
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: CAINE & WEINER COMPANY, INC. (NY)

I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX Bank in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I received a dispute result ( Report XXXX XXXX ). Experian reported that it completed the investigation and has made updates. The only update Experian provided was a change in the Balance Date. This indicated that Experian did not investigate my account as I requested in my dispute. I requested an investigation due to a late payment being reported in error per the CARES Act. Per Section 4021 of the CARES Act, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. Such an accommodation includes modify a loan or contract. An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. I have attached the document that shows the furnisher providing an accommodation to my account. I have also attached documentation that shows Experian not performing an investigation of the account as required by the FCRA per 15 usc 1681i a ( 1 ) ( a ). If Experian did truly reinvestigate the account and the Balance date was updated, the balance on the account would have updated also. Experian has violated my rights by refusing to provide a proper investigation and updating the inaccurate information on my credit report.
Consumer complaint received 2022-09-25
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. (CO)

The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MI)

Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.