davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX # XXXX TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v TransUnion XXXX v XXXX XXXX v XXXX ( XXXX ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Consumer complaint received 2018-02-25
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: Regional Management Corporation (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am a longtime customer and I brought XXXX to my local Bank of America branch to exchange for dollars on XX/XX/XXXX. These notes were 10 notes that are currently being taken out of circulation but are still legal tender untiXX/XX/XXXX I was told Bank of America could not accept these notes as of XX/XX/. 

These notes are still legal tender and I should be able to exchange them. I tried to contact someone within B of A that might have more knowledge about foreign currency but could not get past the initial customer service representative that could not have cared less about my issue. 

I am wondering if they were looking at the dates incorrectly. The teller told me that the bank stopped taking those notes as ofXX/XX/XXXX. If they were looking at English resources to check the notes thenXX/XX/XXXX would be writtenXX/XX/XXXX whereas in the US that date would be read as XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is pulling the old 10 notes out of circulation to be replaced by newer polymer notes and I wont be back in XXXX until past theXX/XX/XXXXdeadline. Considering that I received those notes from Bank of America from my last foreign currency purchase it would have been nice to get a heads up about them not accepting the notes after a certain date.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. 
The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person. 
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person. 
The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address. 
The Credit Reporting companies effect an erroneous change of address for two people. 
There is a potential for ID theft!
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (PA)

I've been struggling to pay this loan back because of a change in mine and my wife 's income! I've made payments the last several months to avoid " Charge Off '' and called to the company again today because I received another letter that was delivered to my house on Saturday XX/XX/XXXX. The letter was dated the XX/XX/XXXX and was delivered the XX/XX/XXXX. It arrived XXXX XXXX. Normally these letters arrive in the mail and have a more timely window before demanding payment. I informed the company over the phone that I was not able to make the payment of {$95.00} this month. My wife and I are in a rent agreement with our landlord to pay {$500.00} a month and my wife does not get paid until Thursday. As of the end of the month I would not have the funds available to cover the loan payment because of needing to cover my rent! I informed the company of this important matter and was then forwarded to payment assistance. For the past few months they have been telling me that I could be forwarded to payment assistance to a get a lower payment plan but there is a never a solution to extend a period of grace for me to make this payment. I missed a few months of payments 4 to be exact due to leaving my job and starting my own business. I have told the company of this matter several times and that I've had a cut in my mine and my wife 's income by about half. The company has not tried to make a negotiation with me to help lower my monthly payments. Most companies are willing to help you out and allow you to make lower monthly payments and I know this because I'm working with other companies I have debt with and normally even if your several months past due and have missed payments they work with you. This company does not have any kind of assistance. I have tried working with them to make a plan but all that they demand is the amount due before the loan would charge off. I've expressed my desire to leave the company all together and do banking with other companies. A financial hardship is difficult to overcome and when you are in the midst of it and have fallen behind the least you expect is that these corporate companies can work with you. I have attached screen shots of my phone showing last months payment, my current bank account balance, my recent letter from Wells Fargo, my rent payment from last month that shows I pay rent the end of the month and the amount in which I pay. I have said to them on the phone that I could not make the payment because of having to pay the rent expense. They refused to work with me or allow me to post date a payment because of the duration that the account is passed due.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.
Consumer complaint received 2018-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (KY)

Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have recently disputed the following account with the credit bureau ( Equifax ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have been disputing the following account for almost three years now : XXXX XXXX XXXX Last Reported Status : 90-119 Days Late Last Payment : XX/XX/XXXX Balance : {$9400.00} I have disputed it with the agency, as well as the credit bureau. The credit bureau subsequently removed this account ( XXXX XXXX XXXX ) from my credit file on XX/XX/XXXX. The account has reappeared on my credit file under XXXX XXXX XXXX. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc. (TX)

I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the Better Business Bureau. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XX/XX/XXXXfrom Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.
Consumer complaint received 2018-02-25
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: SYNCHRONY FINANCIAL (TX)

XXXX SYNCHRONY BANK XXXX XXXX SYNCHRONY BANK XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uber Technologies Inc. (GA)

XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2018-02-25
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)

XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.
Consumer complaint received 2018-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Around XX/XX/2017 I realized that someone I did not recognize sent money to my account, it was about between {$100.00} and {$200.00}. I am not sure when it started but as soon as I realized it I called my bank and asked them to return it as I do not know who it is coming from. I was told by my bank that there is nothing they could do on their end because they don't know who it was coming from being that it was a email or mobile transfer. The agent even joked saying its free money go ahead and spend it because there's nothing they could do about it. I was the agent to block whoever it is coming from so that the issue doesn't persist and to file a claim. After this I was under the impression that this issue was rectified not knowing that this person was still sending me money on a monthly basis totaling {$800.00} after a year. I was contacted by the claims department because someone filed a claim because they have been sending money to the wrong person. I explained what has been going on to the agent doing the claim and she said that she would contact me but none did. The bank went ahead and took {$800.00} out of my account leaving me overdraft without notifying me or getting permission. The agent noted that I gave her permission to take the money out because I do not know the sender and we did not have that conversation. after I told her the situation, I was told that she will contact me back. when I called multiple times they were rude and not trying to hear out the situation. The last lady informed me that I should have been aware of this and not spend the money and I called last year to file a fraud claim which was denied because I cant file a fraud claim for receiving money even if it is from someone I don't know. I told her that I wasn't aware that the claim got denied and I was not aware that this person was still putting money in my account in small amounts monthly, she insisted that I should have paid attention and not spend the money and hung up.