davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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. 

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2022-07-11
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. (TX)

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I transferred funds from my trading account to my Coinbase account. The wallet address in Coinbase was in USDC, however, the funds were received into my Coinbase account in USDT. My total Coinbase balance reflects the funds received however upon making an attempt to convert the USDT to regular USD, Coinbase doesnt allow me to to do. At first, I didnt know where the funds were at but upon contacting Coinbase, they told me that its in USDT XXXX I explained to them that I cant convert to USD. They provided no assistance in this matter.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (SD)

In XX/XX/XXXX I contacted XXXX XXXX XXXX # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. This debt was sold to Midland Funding LLC, who i have contacted to remove it from my credit and they put me on hold and transfer me around but refuse to address the issue. 
When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

On these date, this company opened theses collections XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ I never signed and written document saying I owe these debts to this collector. 
They are violating my rights of the FCRA and my Hipaa rights as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe these debts to these alleged company. 
Please have all these removed from all 3 credit bureaus. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade Recovery Services, LLC (UT)

Did not know I had this debt. It resulted from a office visit in XX/XX/XXXX. I received one bill, called the XXXX office, spoke to XXXX - was told she will call me back as she had to look into the bill. Called two more times to front desk - was told it was taken care off so I didn't worry about it as I thought they wrote it off as my entire bill ended up at almost $ XXXX. That was in XX/XX/XXXX. I just found out it was reported so I called the debt collection MEADE RECOVERY agency IN XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX @ at XXXX MST. XXXX, a CSR answered and i asked to please speak with a supervisor. He assured me that he was a supervisor. I told him that I don't believe him as supervisors don't answer the phone. Two more times he said he is a supervisor then admitted that he is not. 
He was misrepresenting and lying to me and that is a gross violation. That credit agent has never contacted me to give me a chance to make things right. Lying to customer is a CFPD violation and want this company investigated. 
The bill is about {$330.00} and I want this taken off my credit report if I pay the bill.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

We have had this deplorable issue with PayPal since XX/XX/2020. 
Still no resolution. 

One of our cards got hacked in XXXX. Took 45 days to somewhat resolve, still not answer to inquiries. 
The replacement card could NOT get activated for days! 
The account has been blocked since XXXX It is impossible to get an answer as to WHY. 
My son could not add money to send the child support payment last month My son could not send his share of the phone bill payment My son had to walk about a mile to take a bus, I had to pay the full amount of the phone bill. My son can not order food, nor use XXXX or XXXX I am unable to receive payments from my clients, and risk that I end up with no shows. 
I needed the {$600.00} owed to me to pay for my car repairs. The transaction was DENIED for no reason, leaving me with no transportation and in a very demeaning, embarrassing situation. 
My health is suffering, so is my sons. 
Why am I and my son- who shares my account- being retaliated against? 
PayPal owes us a huge compensation for emotional distress, pain, and suffering, and then some! 
XXXX is highly responsible for this as well! 

Please read the full description on these list in the attached file.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

On the XXXX of XX/XX/2022 I accidentally made a bill pay of XXXX to my bjs credit card instead of XXXX. When I discover the mistake I contacted Comenity bank which is the company that bjs credit is from. I kept getting all kinds of excuses I received two letters from them with a blank date on it from what date I would get my money, I am truly fed up and they need to be held accountable it's now XX/XX/XXXX XXXX and no money
Consumer complaint received 2022-06-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX, XXXX XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-11
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. (CA)

Someone fraudulently unlocked my security freeze at Experian on XX/XX/XXXX and Experian can not provide any explanation of how this happened. I was able to re-freeze my account on XX/XX/XXXX but I have no way of knowing if this will happen again. While my account was unfrozen several fraudulent credit applications were submitted.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/20 I attempted to transfer {$100.00} to my daughter. On the Pay an Individual screen a {$0.00} fee was disclosed along with a disclosure that funds would not be available for her until Friday XX/XX/20. 

When I searched for another option I saw that I could transfer funds from my Fifth Third checking account to my checking account at XXXX. As I DID NOT SEE any fees or delays disclosed I made a {$100.00} transfer from my Fifth Third checking account to my checking account at XXXX. 

Now, on Thursday XX/XX/20 I see that {$100.00} was taken out of my Fifth Third account yet NOTHING WAS TRANSFERRED TO MY XXXX ACCOUNT. 

It took over a half-hour on the phone with Fifth Third to speak with three of their representatives who have been trained to deal with Fifth Third 's deceptions and have no resolution. 

All three noted that there is a fine print disclosure hidden on the XXXX transfer screen and that they could not reverse the hidden {$3.00} fee or track down the missing {$100.00}. They all stated that while funds are " supposed to be credited within three days '' that " it could take longer. '' All three reps sounded scripted as though Fifth Third does this to its customers all day, every day. 

While I expected an immediate transfer, my funds did not even transfer " within three days. '' The transfer was made Tuesday and no funds were delivered on Tuesday, Wednesday or Thursday. Also, while I expected no fee, all three Fifth Third reps refused to refund the {$3.00} fee. This was the case event though it was disclosed to all three reps that had I known that the funds would be delayed for three days or longer and there would be a {$3.00} fee while experiencing this delay, I NEVER would have authorized the transfer. 

When the transfer did not go through on Tuesday I asked Fifth Third to stop it and the bank 's reps claimed that it could not be stopped.

Now, I'm our {$100.00} at Fifth Third and the {$100.00} that was expected at XXXX has not arrived even though it has been " three days. '' When today 's Fifth Third reps walked me through the website they showed me fine print which included font that is MUCH SMALLER than the rest of the font on the page and in a faint gray as opposed to the BOLD BLACK that other type is in on that very same page.

This may be seen in the attachment. Fifth Third should end this deception and list the unexpected delays and fees in large print and in bold. At the very least, the font should be consistent with the rest of the font on the same page. It is wrong to intentionally deceive customers with all but the best eyesight on a daily basis.
Consumer complaint received 2020-12-24
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MT)

Hi, I'm attempting to make an additional payment on my Synchrony CareCredit Card and the website will not allow me to log in to do so.

I contacted support via the " chat with us now '' option and she was unable to provide any kind of assistance other than to call an 800 number - which I will not do because of excessive hold times.

I keep track of my user names and passwords in an extremely methodical way ( I'm a website developer ) and know that my user name and password should work as they have not been changed since my account was set up last year.

To this point, payments have been coming out electronically, but I would like to pay more on the card to avoid high interest payments when my zero interest time period ends in XXXX. 

When asked to leave a survey after speaking with chat - I did so and I got an error that it wouldn't accept my feedback ( I have a screenshot ). Further - when trying to recover my account information, I was given error messages at every attempt ( I have a screenshot of this, as well ).

It very much appears that I am being kept out of my account intentionally so that I can't make additional payments and so that they can use that to their advantage when my zero interest time frame ends. 

I would like to know why their website doesn't work. I should be able to access my account as I like and make payments thusly. 

This appears to be a fraudulent attempt to sabotage those efforts and I would appreciate an investigation and a remedy. 

Thank you for your time and attention to this matter, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

I received a letter from Convergent Outsourcing Inc dated XXXX XX/XX/2020 notifying me a XXXX account I had was sent to collections. I never got a final bill from XXXX, but that is another discussion. 

On XXXX XX/XX/2020 I got a call on my cell phone demanding payment from the same company. This violated the 30 day validation period that began XXXX XXXX per the notification letter. 

I confronted the collector on this and was sent to a supervisor. The supervisor denied the violation and again demanded payment. 

I requested a breakdown validating the balance, and was told that would have to come from XXXX as the collector can not furnish one. I confronted them on the fact the collector is obligated per FDCPA to furnish the breakdown when disputed and requested. They denied that as well.

There are FDCPA violatio

ns : 1. Initiating contact inside the 30 day validation period. 2. Refusing to provide an account breakdo
wn validating the debt.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (CO)

I have already filed a complaint here and learned that it was closed with no resolution no investigation nothing done but a bunch of avoiding the actual complaint Therefore not only will I see the bank in court I will also be involving the cfpb in my suit Due to the negligence by your agency and the refusal to properly investigate Your agency is useless and just as corrupt as the bank that is stealing money from its customers and you already have every document it is in the case file you closed without doing any form of investigation and with nothing resolved
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor XXXX XXXX  XXXX. I called XXXX XXXX  and they had no information. I called synergetic Communication, Inc XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (IN)

Called RADIUS GLOBAL SOLUTION Original creditor : XXXX XXXX XXXX  XXXX to resolve the account and they were unwilling to work with me concerning the payment for the old bill which they are a thrid party that handles the old account for XXXXThis was on XX/XX/20 when I called to resolve the account last.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-01
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. (NJ)

I looked at my consumer report from Equifax on XX/XX/2022. I noticed that Equifax has no regard for the FCRA and has without my written instructions or permission reported private transactions I had with other corporations that Congress stated shall NOT be displayed. My right to privacy has been violated. Also, Equifax has furnished a deceptive form ( Consumer Report ) and misrepresentation of what a consumer report is for financial gain. Congress states A consumer report does NOT include a report containing information on a transaction or any experiences between me ( consumer ) and the company making the report to you, collects of charge off. Equifax, furnished everything on my report a the law say you cant. They have gone beyond its corporate powers of what the FCRA allows. ( Ultra Vires Act )