davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 sec

tion 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 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I am filing this complaint as conservator for my grandmother XXXX XXXX. I currently have a conservatorship account under both of our names that is under the supervision of the count. 

I am filing a fraud claim for account # XXXX XXXX XXXX. 
I have been unable to marshal funds from this account into the conservatorship account even after filing a complaint and going in person to several bank branches ( XXXX XXXX, XXXX, XXXX XXXX, XXXX. ) The court ordered to revoke the Power of Attorney XXXX XXXX and to be removed as POA at all financial institutions as she was mismanaging and pocketing funds from XXXX XXXX. I was appointed by the court as XXXX XXXX ' XXXX XXXX of both person and estate as she has been declared legally incompetent. These orders were listed in the letters of conservatorship by the court and submitted to Bank of America. XXXX XXXX is aware of the conservatorship in place for XXXX XXXX and was ordered to not make any further financial decisions. 

It has come to my attention during a court ordered accounting of the funds for XXXX XXXX that XXXX XXXX has illegally transferred the remaining balance of {$2700.00} into her personal account. In the past I made several attempts to marshal these funds into the conservatorship account with no success. The bank branches lack of knowledge on conservatorship accounts is the primary reason I was not able to withdraw and protect the funds. I would like to proceed in filing a fraud claim as these funds were taken from a legally declared incompetent and XXXX  individual. I appreciate your timely attention on this matter. 

XXXX XXXX XXXX for XXXX XXXX
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

I sent a letter asking for validation of debt owed to Paragon Revenue Group because I have no or have I ever had business with them. During the dispute/validation process every few days this company has flagged my credit. It has caused my credit to decrease 23 points. They sent me a statement of alleged debt amounts I owe them. They even stated others names on the bill who I am not aware of. They continue to update the collection but has yet to provide validation as per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have reached out to an attorney and intend on moving forward with legal actions against this company. This has been an ongoing thing with this company and I consistently get them deletes and they pop up with new amounts not being able to verify any debts owed to them.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LoanCare, LLC (AZ)

There is not a problem with the company or my account. What issue is that this is my mortgage company that I make payments towards my home. I purchase this from the homeowner who carry the loan. Now, I only owe {$6000.00} of the 10 year loan with NO LATE payments for 9 years. None of this information is shared with the credit agency. This only XXXX of the problem. I, XXXX XXXX XXXX, is born deaf and asking me to communicate by phone is something that is very unlikely. I get no discount or reduce fee for the landline that I have to use to operate my cap-tel machine, which I use to talk on the phone. The odds of the other person on the other end being able to understand how to talk to me is 50 %. OK, last thing I want to express is I am falling downward and with no bottom there is because it all started with my XXXX provider in XXXX. I had to have CATARACT XXXX. So XXXX XXXX XXXX need {$1700.00} to start and {$300.00} each time at hospital. XXXX so {$600.00} more. {$2300.00}! All this was dug up with personal loans. Now, its every month get a loan. IT '' S GOING TO KILL ME. thank you for listening and hopefully someone will care about this deaf man ....
Consumer complaint received 2020-07-03
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (CA)

XXXX charged me a bill for {$140.00} : {$100.00} cancellation charge and {$43.00} for service. I told the representative that I moved and kept XXXX services, but the representative said that caused a breakage of the contract. When I asked for agreed upon contract, the representative did not have any records, but continued to threaten me with " hitting '' my credit report, which would cause future financial hardship. Then, the {$43.00} service was for internet services 45 days after my cancellation. When I asked why I was charged twice ( as I was using Xfinity from the new move ), the representative, again, referred to the contract, I, again, asked for the contract and was not supplied it. 

Nevertheless, I paid {$90.00} to settle everything, but the business practices of XXXX are unethical. When I turned in my equipment, I was told by the XXXX sales associate that everything was " good to go. '' Two years later, I received a letter for back payment with erroneous and made up charges.
Consumer complaint received 2023-04-03
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. (GA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME
Consumer complaint received 2020-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX, Nissan Motor Acceptance Corporation falsely reported my account as 30-days late, in-fact ; the account was paid in full for {$430.00} on XX/XX/XXXX, which can be seen in the screenshot I submitted, which is from my Nissan account. This report was made to the credit bureau, which dropped my credit score by 13-points. For the payment of XXXX, they also charged a late fee of {$43.00}. On XX/XX/XXXX, I paid for the month of XXXX and paid the late fee, and the account is still reported as behind. 

A month or two ago, Nissan had my account listed as past due, and when I called them, a representative told me that everything was fine. During that period, Nissan was calling my phone constantly, and filling up my voice mail. I called to see if anything was wrong, Nissan said it was fine. This was probably in XXXX or XXXX. 

It should be noted that two payments were moved to the end of the loan, which is the month of XXXX and XXXX ; other than that, all payments have been made. Nissan knows my account is current, but they still harassed me with calls, made a lie about my account status to the credit bureau, and charged me a {$43.00} late fee when my account is actually current, and I paid this month 's bill early.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

Chase agreed to defer payments for two cards due to COVID-19 hardship, one cards ends in XXXX. Chase did defer payments on the card ending in XXXX, but the one ending in XXXX shows past due and has incurred late fee ( s ). Upon contacting Chase the representative said that there is no record of deferment for card ending in XXXX and that Chase would not send one letter for two cards, rather one letter for each card. Therefore there is no requested deferment.
Consumer complaint received 2022-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DC)

Good morning, I have recently submitted, per XXXXXXXX XXXX XXXX XXXXXXXX, a noterized Legal Instrument, which is now legal tender, to the mortgage company to settle all outstanding debts. Sent in a certified letter ( attached ). 

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Freedom Mortgage used to loan me the money to purchase my property ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Freedom Mortgage is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft and must be reimbursed for XXXX XXXX of its value.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

My credit card with USBank was fraudulently charged outside the US ( in  XXXX, XXXX ) on XX/XX/2020. USBank has refused to refund the charge. 

The detail of the charge shows that it was " Manually Entered '' for {$12.00} ( {$16.00} XXXX ). In addition, there is a related " Foreign Transaction Fee '' of {$0.00}. The " Merchant Category '' is " Computer Software Stores. '' The description is " XXXX XXXX XXXX, XXXX  XXXX XXXX On - XXXX XXXX Dol '', none of which is anything I have ever seen or dealt with or ordered, for that matter. USBank simply refused to reverse the charge with no explanation. 

We have never been to XXXX, XXXX. We have never ordered anything from XXXX, XXXX. I certainly have not ordered " Computer Software '' from XXXX ( or at all ).
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-04
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. (GA)

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had booked flights on XXXX XXXX for XX/XX/XXXX and due to Covid-19,  our flights were canceled because flights were suspended in our city. I reached out to XXXX to get clarification on refunds or credit. We did not ask to change or cancel our flights with XXXX and we were never informed that our flights were canceled. We discovered this information when checking the status of our flights on their website. When multiple attempts were unsuccessful I reached out to our capital one credit card and informed them of the situation and started a dispute. On XX/XX/XXXX they credited my account and on XX/XX/XXXX they denied my dispute and I was rebilled for the flights. Capital One informed me that I needed to deal with the merchant and that they would no longer help me. I informed Capital One that XXXX had voided my vouchers due to the dispute and that they would not be giving me any vouchers to use for future travel because the bank had been refunded for our flights. I have talked to Capital One multiple times to inform them that services were not rendered by XXXX and that they continue to inform me that no vouchers will be given to me for the canceled flights. Capitol one refuses to assist me in the matter.
Consumer complaint received 2020-07-03
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. (CA)

I applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.
Consumer complaint received 2022-12-30
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. (MD)

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Experian has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

This company bought a collection account from XXXX XXXX that has been in collections since XXXX but they are report it as XXXX XXXX XXXX with XXXX and XXXX. I have contacted the company serial times with no reply. This collection is over four years old but they are reporting it as if it's a over a year old.
Consumer complaint received 2020-07-03
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 applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Paypal credit has been extremely deceptive. They are using what I feel are fraudulent deceptive practices. I payoff my 6 month promotions way before the end date. I am still being charged interest. Something is not right,, PayPal is not applying my extra payments towards the 6 month promotions. They are practically stealing.They force you to call in to have your payments allocated this is not ok.