davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (TX)

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number 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
Consumer complaint received 2022-01-04
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. (TX)

The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine , nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!
Consumer complaint received 2021-12-06
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (WA)

I am the owner of XXXX and XXXX XXXX XXXX in XXXX, WA. As part of our provided services, we offer massage treatments with CBD oils and pain creams. We follow all state laws and regulations with these services ( i.e. 0 % THC ). I have used Square as our payment processor since opening the business in XXXX, XXXX. Square recently introduced a program, which approves business owners to sell CBD products through them as the credit card processer. Because we offer treatments with CBD and also sell a CBD skincare line in our boutique, I applied for this program. This would allow us to also sell our products through our website ( online store ). I completed the application in early XXXX, XXXX. Since applying for this program, they have asked me for additional information several times. I have provided all the information requested every time. They continue to email me requesting more info. I have called, emailed, and chatted with their customer service agents more than 10 times. Each time, they say they will send my issue to other customer service agents who can help me. I have received NOTHING in response to my issues. 

Meanwhile, they have suspended all my funds processed by square for the past six weeks ( more at this point ). I have almost {$3000.00} suspended, which is really hurting my business and being able to pay for my business expenses ( including employee wages ). I have nothing more to give them. 

I have requested to exit the CBD program over and over, and they continue to email me saying that I can not exit the program until I provide more information. They also have a check box that you must agree to not sell CBD products through any other credit card processor if the application is not approved. I have never been approved for the program, and they also won't let me exit the program. They are also dictating what my business can sell even if I don't use them as a processor. They are threatening to deactivate my account and keep all of my funds if I continue to sell CBD products. This is ridiculous! I would think I can sell whatever I want as long as it complies with laws in my state. I will use another processor if Square will not allow me. But they are saying that they will completely deactivate my account ( losing all of my data and over $ 17K in gift card purchases over the past 18 months that still must be redeemed!!! ). This will bankrupt me. 

This is not right. This is hurting me and my business. It's taking time from my family and work life. I have spent hours dealing with this issue and no one is helping me. No one responds. They refuse to provide any contact info for the supposed customer service agents that they keep transferring me to. I need help.
Consumer complaint received 2022-01-04
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. (VA)

XXXX XXXX account for {$360.00} is being flagged on my TransUnion and XXXX XXXX reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from Transunion indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX Mailed Verification Affidavit to both XXXX and Transunion regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and Transunion be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Experian has a Bankruptcy CH-XXXX  listed on my credit report from XX/XX/. The Bankruptcy I filed was a CH-XXXX and should have been removed from my Experian credit file last year after the 7 year limit. Please ask them to correct this error.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX company has been trying to collect a debt on behalf of American Express. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX XXXX  and after XXXX XXXX. They call on weekends and holidays. They called at XXXX XXXX  on XXXX XXXX XXXX. I have asked them to stop calling me, that I have disputed the amount of the debt, that I worked it out with Amex and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (VT)

At some point in XX/XX/XXXX, I called my credit card company, Fortiva, and reported suspected fraudulent activity on my account. After two hours had passed by, I realized that I had made the charge and it wasn't fraudulent. I called Fortiva to tell them this two hours after I had called the first time and they told me that it was too late to take the claim back and that I would have to wait seven to fourteen business days for the replacement card. I understood and actually appreciated the security reasons behind that.

Fourteen business days passed and I never received the replacement card. I again applied for a replacement card online and selected the rush delivery option that would cost me {$25.00}, but I am in need of the card so I was willing to pay the fee. I ended up calling the company again anyway and I was told that they don't offer rush delivery, and I would have to wait up to fourteen business days for a new card. I expressed my dismay and I waited again.

Fourteen business days have passed again, and I still do not have my replacement card. Frustrated and upset, I called MasterCard to report what was happening, and they weren't of much help either. I called Fortiva and reported to them that I was making this complaint to Consumer Finance Protection Bureau and here I am. I was told just five minutes ago that I would again have to wait up to fourteen business days, and I asked, considering the circumstances, if I could have the card rush delivered. I was told I would have to pay {$25.00} and I agreed to that. I feel like I should not have to bear the cost of the rushed card, as this long and unnecessary waiting period is their fault. 

I have never been late on a payment, my balance is virtually XXXX, and I have been making payments the whole time I have been without my card. I am in between jobs and I am waiting to start at my new job on the XX/XX/XXXX, and I need access to my line of credit now! The company is aware of this. I am reaching out because I am convinced that I will not receive a replacement card again. Something has to be done about this. I am a good cardholder and I don't deserve this horrible experience. I just want my card ASAP and I don't want to pay any special fees for it being rushed to me considering the circumstances. I ordered a new card originally in XXXX, and it is almost XXXX. Fortiva tried to tell me that my original request for a new card was some time in XXXX, but that is false. I have no reason to lie about any of this.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).
Consumer complaint received 2022-07-28
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-28
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-30
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. (PA)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-28
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. (NC)

I noted a high decrease in my credit score with more than 100 points, only in Experian Bureau, so I looked at my report and I saw two accounts at XXXX XXXXXXXX XXXX, that are not mine, I tried to dispute this accounts by phone and the result was : This item was not changed as a result of our processing of your dispute Dispute was made at XX/XX/XXXX and results was released at XX/XX/XXXX. 

I went to XXXX  XXXX XXXX to check it and I checked this information with a employee, and everything was all right and on XXXX  XXXX XXXX, this information was not mine too. 

The accounts that are wrong are : XXXX  XXXX XXXX, Opened : XX/XX/XXXX, Status : Closed/Never late. 
XXXX XXXX XXXX, Opened : XX/XX/XXXX, Status : Account charged off. {$5800.00} written off. {$5700.00} past due as of XX/XX/XXXX. 

I even have been here in the US in these dates.
Consumer complaint received 2022-07-30
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-11-05
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)

I contacted Experian on XXXX, to dispute fraudulent/unrecognizable items I found on my credit report by mail, on XX/XX/XXXX, I got my dispute results saying that some of the items I disputed were deleted, today, on XX/XX/XXXX, around XXXX XXXX XXXX, I noticed that Experian had without my knowledge or permission unknowingly opened new disputes for some of the deleted items on my credit report, and claimed they were verified about 4 hours later. I tried to contact the company about it, the fraud department service lady on the phone line said that this was nothing and to disregard the opened disputes and the items should be deleted, so I did and went on about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable, Experian is the only agency who claims to have verified the items. I have gotten no documentation from either Experian or from the original creditor that proves the items in fact belong to me, nor did I authorize them open a dispute on my behalf without my knowledge or permission. I have every right to believe this debt is not mine, and I have documented everything. Experian is also the only agency who didn't add a fraud alert on my credit file with my previous letter and also is reporting an address I have never lived in, misinformation on my credit file.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (CA)

On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time.