davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (NH)

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

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.
Consumer complaint received 2019-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Real Time Group, Inc. (FL)

I made a HELOC mortgage years ago and while i was a resident of the US since XX/XX/XXXX i thought i understood what the terms were however after 10 years i learned the entire principle amount of over {$40000.00} was due. This was in XX/XX/XXXX. From that time until right now i have made a payment each and every month to lenders ( or debt collector may be a more accurate phrase ) servicing this loan. I even reduced the principle over {$10000.00} during that period. On XX/XX/XXXX i applied for a new mortgage and was very surprised to learn i was declined and can not buy a new house because the company reporting the loan which was the HELOC is reporting me well over 90 days late each month for almost all XX/XX/XXXX and back prior. I do not see how this is fair that i make payments to them in amounts they ask and yet they show me very late- to the point of not being able to buy a house for me and my XXXX children ( i am a single mother ). The company reporting these tales which cost me my new loan is Real Time Solutions and now it is sent to XXXX XXXX XXXX point and they too show tales.
Consumer complaint received 2022-07-31
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. (AL)

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SD)

On XX/XX/XXXX I was transported by an ambulance to XXXX XXXX XXXX in XXXX XXXX, XXXX I was taken to the ER where I had to be XXXX  and put on a XXXX The hospital then needed to transfer me to a higher level of care so they called a different ambulance company, XXXX XXXX XXXX of XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to transfer me to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
When XXXX submitted the bill to my insurance company ( XXXX ), they forgot or refused to send documentation to explain medical necessity for the transport. XXXX asked for more documentation which they never received. After numerous attempts to collect this information from XXXX, XXXX simply suspended there claim. 8 months later in XX/XX/XXXX, XXXX sent a bill to us for {$1700.00}, and demanding payment. We called them and explained to them that XXXX was giving them 45 days to complete the information that they needed or the submitted bill would be considered non-certifiable and would be closed. XXXX also informed us on the phone that we were not in any way obligated to pay anything to XXXX because we had insurance that would have paid the submitted bill if they had submitted the required documentation and followed the required processes. 
XXXX missed their deadline, so they were now denied. XXXX then turned it over to a collection agency. I submitted all of this same information including the letter we received from XXXX regarding this problem. The collection agency emailed me and said that the collection process was now on hold until XX/XX/XXXX while the investigated the claim. In the meantime XXXX continues to harass us and try to collect payment. XXXX contacted us stating that they have finally received the documentation and they are reviewing it. In the meantime, again, XXXX continues to harrass us wanting to collect from us. Their collection process could also wrongfully damage my excellent credit rating which may result in a defamation suit if they continue this harassment.
Consumer complaint received 2019-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Paypal limited my account on XX/XX/XXXX right after I had opened it. I submitted documents ( incoices, ID, proof of shipment, reciept of purchase ) and paypal permanently limited my account right after on XX/XX/XXXX and thay I was no longer allowed to do business with them with {$210.00} in my balance. They will not release my earned money and will most likely hold it indefinitely. I called many times and never got a clear reason as to why my account was limited and tried e-mailing multiple members of their escalations department with o satisfactory response or explanation. One of the reasons given was that my products were suspicious when i had clearly submitted invoices of my original purchases. Paypal should not have the right to hold my money for extended periods of time with no legitimate reasons.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (PA)

I have contacted kashable llc numerous times to resolve reporting on my credit report. Disputes to the bureaus show validated but I never see proof. I sent 3 letters to the company requesting validation and I have received no response. The letters were 30 days apart.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My monthly payments went up way above what I can afford and Im not sure why. My monthly payments use to be {$1500.00} and now the total monthly cost is {$2100.00}. I contacted the company ( select portfolio services ) and they werent concerned about my hardship to pay. Ive never missed a payment and never had a problem when my mortgage company use to be XXXX. Four years ago my mortgage company XXXX automatically changed to Select Portfoloio Services and now everything is confusing. 

Please help to see if this was an error on the companies part and if I can restructure my current contract to something that would be more Fair and reasonable. I dont want to lose my home. 

Thank you XXXX XXXX
Consumer complaint received 2019-03-22
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. (MA)

I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.
Consumer complaint received 2019-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Allied Servicing Corporation (MD)

We applied home equity of credit in XX/XX/XXXX through XXXX XXXX when we settled for a new home. We have been paying until the home market occurred and had difficulty. XXXX offered a settlement lowering balance to XXXX and have been paying XXXX monthly for yrs. Next thing we know we heard the company went bankrupt and did not hear anything on the home equity balance. suddenly this last month got a letter from Allied Servicing regarding the account and telling us for a foreclosure. I paid XXXX and the balance is XXXX SINCE XX/XX/XXXX. I don't know why they waited for nine yrs. I have attached copy of my account and statement.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

I had filed a similar complaint ( XXXX ) a while back. The situation improved A LOT but I still got a credit card offer yesterday. The basic facts of the situation are more or less as described in the previous complain. I am unable to use the toll-free number indicated in the PRESCREEN &  OPT OUT NOTICE. This is because the credit offer I received has my name reversed ( e.g. XXXX XXXX instead of XXXX XXXX ) and I am worried that if I supply SSN, date of birth and the wrong name ( so as to match their database ) I might be committing perjury. If OTOH I report my name correctly, then maybe my record won't match in their database and they won't remove me. 
The last credit card offer I received was from some company " XXXX XXXX '' XXXX XXXX XXXX, XXXX DE XXXX. 
Please, I want all possible permutations of my name and surname permanently removed from receiving credit card offers, insurance offers or any other similar marketing material from this company or any other similar company. If I can't do it permanently then please for as long as possible.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

Hello I received medical services on XX/XX/XXXX2010, which is the day my health insurance at the time was cancelled. I was informed that my insurance would not pay for the services because my health insurance actually expired at XXXX on XX/XX/XXXX/2010.  Unfortunately my company was unable to continue our medical benefits due to the economy. Fast forward to today, the collections agency put this debt on my credit report using a 2015 date, which is false. I filed a dispute online through XXXX and XXXX without resolve. I contacted the medical facility I received services from to verify the date they saw me. The debt is now 8 and a half years old and should be removed from my credit  report.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (CA)

I received a voicemail on XX/XX/XXXX from Collections Bureau of America in XXXX, CA stating that they were trying to collect a past due XXXX bill. I called them back the same day at ( XXXX ) XXXX ( XX/XX/XXXX ) and requested verification of the debt via email AND mail. I had not received either by XX/XX/XXXX, so I called again. The second representative I spoke to confirmed he saw notes in the file from my call on XX/XX/XXXX requesting the verification of debt and assured me I would have an email from them by the end of the day. It is now XX/XX/XXXX and I have no verification of the debt. To the best of my knowledge I have never missed a payment with XXXX - I last spoke to them in XX/XX/XXXX when I called to transfer my XXXX account to my ex when I moved out of his house and at that time I was not informed of any outstanding balance with the company. I also never received any notice that my account with them was delinquent. Therefore, I am skeptical of the legitimacy of this collection.
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (GA)

Im currently past due with my Avant Credit Card due to 2 consecutive deaths in my family that I experienced in XXXX. Ive still have yet to recover from my financial short comings, however Ive reached out to Avant and advised them such and attempted to work with them in order to not further impact my credit. Unfortunately we werent able to agree on the same terms and I advised that I will work to bring the account to a good standing. 
Since that conversation Ive been contacted consecutively by Avant and its now appearing as harassment. 
On XX/XX/2022 alone, Ive received a total of 7 phone calls from Avant. For the week of XX/XX/2022, Ive received a total of 20 phone calls. Avant has also went as far as to text my phone regarding the debt after XXXX EST. 
Avant is in violation of Fair Debt and Collections Protection Act by the consecutive phone calls being placed on my account in attempt to collect the debt.
Consumer complaint received 2022-03-31
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. (GA)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2019-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION (NY)

I opened an account with Compass Bank in XX/XX/2018for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.
Consumer complaint received 2023-04-02
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. (PA)

I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these 2 companies and it's still showing up on my consumer report which is causing me personal and financial problems.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX  XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX  XXXX XXXX XXXX Last reported XXXX XXXX, XXXX  {$310.00} Open balance XXXX XXXX  XXXX Original creditor XXXX XXXX Last reported XXXX XXXX, XXXX  {$250.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (MA)

In XXXX of XXXX i moved to XXXX. I had sold my XXXX before moving because I was approved to but a car at XXXX in XXXX XXXX, instead of having the car transported to XXXX since I would be in XXXX with my rental truck I was going to pick the car up there and save whatever amount of money it was not to have the car transported. But when i called to speak to the XXXX XXXX I was told the loan had to be rewritten and now I do not qualify. I only had my letter from my employer for the Amt of money I would be making. So i couldn't purchase the car. After I was able to secure employment i had applied to several places for a vehicle and I was at first told I would be approved and then all of a sudden I wasn't and there was either one excuse after another why I couldn't be approved or that my deposit went from XXXX to like XXXX XXXX or my paystubs looked funny. It seems that someone was contacting these places I was applying for. It seems I may have been under some kind of investigation all the time I am asking law enforcement for help with what i was being put through. so my complaint is against the credit reporting agencies for what i believe have been manipulating my credit score to keep it low so i can not purchase a vehicle at the behest of law enforcement of an individual or group.
Consumer complaint received 2022-04-27
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)

Experian continues to report the following address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I have contacted them various times advising them this is not my address. I contacted them today and finally talk to a nice man who said I would need to contact you and explain to you these addresses are not mine so you can contact Experian so they can provide accuracy on my credit report. Please have them remove this off my credit report due to this is not my addresses and is reported in error by Experian.