davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (IL)

In XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, sent me a debt collection notice regarding a {$50.00} bill allegedly owed to XXXX XXXX XXXX, which I had already paid by the time I received the notice. This followed a dispute over an unpaid insurance claim, over which XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dragged their feet for months over who was responsible for what portion of my medical expenses from XX/XX/XXXX, which were supposed to be covered retroactively by XXXX and which I had already partially paid in advance. I can only assume that my refusal to pay what was owed by somebody, but not by me, is why my account was referred to debt collection. This referral was unjustified : As soon as the amount I allegedly owed was reduced to one that made sense, I paid it, and I documented that fact to XXXX. 

Despite having paid my bill already, I was targeted on XXXX XXXX, XXXX, by a deceptive robocall originating from ( XXXX ) XXXX, a number originating from XXXX 's area code and associated with telemarketing and debt collection, which used my full name including middle initial in an attempt to get me to call a toll-free number that belonged to XXXX. I wrote XXXX  a letter warning it that I had no patience for that sort of shady practice and that if it contacted me again, I would report the fact to the FTC, the CFPB, and the XXXX and XXXX attorneys general. 

Since then, I have received no communication of any kind from XXXX XXXX XXXX requesting that I pay that billas is right and proper, since I paid it a long time ago, and my current balance with XXXX XXXX XXXX is XXXX. However, today I received a notice from Professional Placement Services LLC of XXXX attempting to collect the exact same nonexistent {$50.00} debt. 

I have no patience for THIS sort of shady practice, either, and I'm writing a letter to Professional Placement Services informing it that this time I AM reporting these facts to the FTC, the CFPB, and the XXXX  and XXXX  attorneys general.
Consumer complaint received 2022-09-29
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. (GA)

Transunion has disregarded the law in multiple instances since I started my dispute on XXXX. As of XX/XX/XXXX Transunion has continued to report information disregarding and outright ignoring my dispute as well as verifying the information with the consumer to which it belongs. 

They are reporting transactions and experiencing ignoring the FCRA and continue to cause harm to me. 

This is defamation of character and I will pursue litigation. 

I disputed multiple items on my credit report after being denied credit and housing, XXXX and XXXX complied with the law. Transunion, without notifying me of Re-Investigation results re-inserted an already deleted item. 

I have a long paper trail of Transunion being the big reason I have been denied housing and credit. They have been negligent since XXXX which I have documents to prove. 

I have not been able to access my score or credit report since XX/XX/XXXX on Transunion.com as well as freeanualcreditreport.com. I can't change my password and can't login from either website. When attempting to chat or call employees hang up on me or never connect to the call. I called in XX/XX/XXXX to get the fraud alert lifted on my report. The employee told me I had to follow a procedure to get an elaborate mechanism off my report that I never opted in to in the first place. He ended up not even helping me remove it, they forwarded to me an employee that never answered and I never got to get the fraud alert off. I have an audio recording of this conversation. 

All in all, Transunion is continuing to furnish information which I have told them they do not have permissible purposes to do and is inaccurate.Transunion continues to ignore my written instructions. I have been getting denied for credit and housing because of Transunion 's willful negligence. I will be seeking a specified remedy.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX XXXX have 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 an 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 follo
wing 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 2022-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

On or around XXXX XXXX, my Google subscription was hacked. They were able to take over my Google account and virtually hack into my banking. Also, they were able to reset my phone. Because my account ( XXXX ) was changed they said I have no recourse. Everything I have is in that account and Google me to go around in circles while my banking is being pilfered ( {$250.00}. ) so far. Also, accounts are being opened in my nameXXXX XXXX XXXX XXXXXXXX XXXX, to name just a couple. My life has been absolutely turned upside down because of this.
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (IL)

15 usc 16

81g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) (
4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. Midland credit management  accounts that reporting false and misleading Information. 
They never properly verified account. 

XXXX XXXXXXXX XXXX. 
accounts that reporting false and misleading XXXX XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (TX)

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington DC XXXX Date : XX/XX/XXXX I am Lodging a formal complaint. I opened an account with Key Bank  while I was residing in XXXX. Since then, I have moved to XXXX XXXX. I retained my bank account and recently received a check from XXXX XXXX in the amount of {$1400.00}. I made the deposit via mobile deposit and the bank ( Key Bank ) determined that there would be a XXXX XXXX hold place on my check until XX/XX/XXXX due to the fact that they doubted collectability on this check. ( Hold Notice Attached ). I fully understand the XXXX XXXX XXXX  being placed due to the fact that this was out of the ordinary type of transaction. But later when I could not access my online banking and my debit card was shut down, I called the bank and NO ONE seems to know why this has happened and why I can not get to my funds. I later was able to contact a person inside a branch on XX/XX/XXXX and was told that there was no hold on the funds but couldnt tell me why they took away my access to my funds. I finally was able to get an XXXX number ( XXXX ) and was told XXXX would be my case manager. I called XXXX and she said she would look into it and she was supposed to call me back on XX/XX/XXXX. I never received a call back and eventually called back on XX/XX/XXXX and spoke with XXXX who said XXXX was in a meeting and would let her know. I still never received a call back from XXXX and once again called and spoke with XXXX who proceeded to tell me that XXXX left for the day. I told her that this was unacceptable and asked who XXXX boss was. She told me it was XXXX XXXX and I asked to speak to XXXX XXXX and was told I was not allowed to. Once again, I asked why the access to my account has been cut off. She claimed she did not know why. Once again, I find this unacceptable that the EXECUTIVE level can not provide the answers. This amount of money may not be much but for me it is my rent and car payment for the month. I work as a ranch hand and this is my lively hood. Every day that goes by I am being penalized XXXX a day for my rent being late, yet I can not get ANY resolution from the bank. Key Bank should be able to tell with its abundant resources to see if the check I deposited was 1. Paid and collected. 2. Legitimate. Key Bank is supposed to let a client know if access to funds have been restricted by any means please see attached. Key Bank is clearly in violation of funds availability and I hope that we can come to a resolution very soon. I feel that if had several million with Key Bank this would not have happened and feel I am being treated as a criminal due to the small amount I have with Key Bank. It may be a small amount but I work honestly and hard for my money. This is bullying behavior on behalf of Key Bank Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

On XX/XX/2022 US Bank received my check for the amount of {$25000.00}, cashed my check and never applied the check to my auto loan balance. After I received notification that my check was cashed I called US Bank and they assured me that they were doing some calculations to apply the amount to the outstanding balance. After about 15 days I received a cashier 's check from US Bank for the same {$25000.00} XXXX sent to them. I called them and was told that since my balance was lower than {$25000.00} they refunded me the check. I tried to cash the check but they had put a stop payment to the check. I called them and was informed that they would send a new check without explanation why they had put a stop-payment. I have not received the check from them since XXXX. In the mean time I have my auto loan with them for which they charge me {$1200.00} interest every month. So my money is sitting with them without gaining interest but their money gains them {$1200.00} every month. I have been calling them from XXXX on and it seems like I am dealing with a XXXX XXXXXXXX XXXX  bank. I have never seen a bank this incompetent and unorganized. One telephone number to call for all your US Bank needs, and no one knows what is going on, except for the manager will call me. No check, no phone calls only my payments to them for the loan that must have long been paid off.
Consumer complaint received 2022-09-29
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. (CT)

UPDATE TO CLAIM # XXXX SECOND NOTICE TO FAILURE OF GAVE DUTIES!! AND RESPONCE IN TIMELY MANNER!! 

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the XXXX XXXXXXXX XXXX XXXX TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion applied 2 inquiries to my credit report that were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not want them on my credit report and have already sent in a dispute letter to Transunion.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX  XXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I feel very targeted, Back in XXXX 2020 when we were in both a national and global pandemic, I did just inform the collector that I was just getting back to work after being followed and trying to catch up on my past bills and that I needed a bit more time to settle into a payment plan, even though we were in the height of the pandemic. Shortly after I lost my job in XXXX XXXX, I know the courts were not operating in 2020. After I explained to the agent this, this was the last time I recall hearing back, then the company pursued to filed false documents stating that they tried to serve me with papers, but the papers this company filed were falsified, and I was never served, nor did I receive any notice that I was due in court, so how did I receive a notice stating that the judgment was ruled in favor of the plaintiff, I did not receive due process.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Ive notice a variety of inquires on my credit report. That I have no knowledge of and would like for them inquires to be removed an deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive been writing letters to get these inquiries removed an they still have remove them. I dont know or have any acknowledgment to these inquiries
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account NumbeXXXX XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.
Consumer complaint received 2023-02-10
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday XXXX