davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (UT)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXXXXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2023-04-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

On XX/XX/2023 I informed CHFA that I had made multiple calls and left a message with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX with no responses and no returned calls. On XX/XX/2023 ( XXXX ; XXXX ; and at XXXX ) I made three separate calls to XXXXXXXX XXXX XXXX choosing a different option each time as their system doesn't allow voicemails instead their system hangs up on callers. The third time I called i was able to leave a message and my call and message was never returned, this is when i reached out to the loss mitigation department in an effort to find a solution and know my options for not losing my home. On XX/XX/2023 ( XXXX ) I contacted the loss mitigation department in an effort to get an updated mortgage statement, which was necessary for my application for mortgage assistance. On XX/XX/2023 I was notified that they ( CHFA ) was unable to give me any information on my account or answer any questions I was informed that my lawyer would need to contact their lawyer for any and everything I may need. I asked why and I was told that they were unable to tell me anything I repeatedly informed them that I did not have a lawyer nor had I ever had a lawyer. She looked into my account further and then repeated that something I or my husband had done caused the note on my account that they were unable to give me any information pertaining to my account including my most recent and/or updated mortgage statement. On XX/XX/2023 I contacted a supervisor ( XXXX ) at XXXX XXXX XXXX and left a message stating i needed an updated mortgage statement and i had been unable to receive that from CHFA, i have yet to get a return call or my mortgage statements
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed my Trans Union credit report and notice inaccurate information. The Pay Status for XXXX XXXX XXXX XXXX is incorrect. It should read " Paid, Closed ; Paid as agreed. '' This account was never late even the rating does not show any late payments but the Pay Status is showing as 30 days past due. How is that possible? This is incorrect. I even looked at my other XXXX and XXXX credit reports and both show " Paid Closed Never Late. '' I am attaching other report with status highlighted. 

Please correct Pay Status to Paid, Closed ; Paid as agreed. If this is not possible remove account because this information is inaccurate.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CT)

Today, XX/XX/XXXX, I checked my Discover XXXX  account only to find a {$1000.00} withdrawal that was authorized/submitted/processed XX/XX/XXXX. I called Discover as I did not recognize or authorize the transaction and was told to contact XXXX to see if it was on their end since it was coming from a XXXX XXXX account ( my main checking account is with XXXX  ) I did not authorize or approve any withdrawals from my Discover XXXX Along with this, there was a random hold that was put on my XXXX account transfer TO BE DEPOSITED to my Discover savings and my XXXX XXXX account. 

After reaching out to XXXX they determined it was not viewable on their end who initiated the {$1000.00} withdrawal from my Discover XXXX as well as not being able to determine why there was a hold placed on my account. The representative at XXXX said it was possible my Discover savings has been compromised I will shortly contact Discover again today to inquire furthermore about the unauthorized withdrawal and possibly see which account it was withdrawn too
Consumer complaint received 2023-04-18
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. (GA)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

XXXX XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2023-04-16
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. (SC)

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

XXXX XXXXXXXX XXXX XXXX  # XXXX, has violate my rights XXXX  XXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US DEPT OF EDUCATION # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedate 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 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION (IL)

On XX/XX/2023 I called UMB and after filing all the automated prompts I was put on hold by their automated system for XXXX min stating " your service provider will be there in the moment '' after which I was promptly disconnected. 
When I called the customer service ( on call which again lasted XXXX min ) I was told an euphemism of " high call volume '' and I was not taken care of. When I requested to speak with a supervisor with a real authority to address the issue ( the CSR who picked up the phone told me she was one ) the call was again put on hold and then disconnected. 
It is evident that the UMB is not interested in providing any kind of customer service and it also prevents customers from redeeming points. 
In this case I expect the bank to redeem the points for their full value {$210.00} ( XXXX points ) in form of the check and send it to my address. 
And after this function is completed to close the account. 
If the bank fails in this function I will take the matter to small claims court here in IL. 
I simply can not bank with an organization that's so unprofessional and disrespectful to the people that give it business.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

i am not XXXX. i have filed a complaint with the CFPB last month and received a letter back stating that american express made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND XXXX. NOW I WAS DECLINED A XXXX LOAN.
Consumer complaint received 2023-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

Datamax corporation reported a medical debt to credit agencies before 180 days. They reported it after I had set up a payment plan with them. The account was placed with datamax on XX/XX/XXXX. I set up a payment plan on XX/XX/XXXX and the debt was reported to XXXX on XX/XX/XXXX. A representative said that it could only be removed if paid in full.
Consumer complaint received 2023-04-18
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)

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 XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 XXXX 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 2023-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CA)

Debt was for ambulance services on XX/XX/XXXX. I was notified of this by collection agency, Phoenix Financial services on XX/XX/XXXX. I was never billed by the original creditor, XXXX XXXX XXXX and all other providers were paid by my insurance. I verified with an attorney that the statute of limitations has expired. I notified Phoenix Financial, as well as the 3 credit bureaus, as this is now on my credit report. I also notified the CA Attorney Generals office, as Phoenix Financial states in their disclosure that their license is pending in California.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-18
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: American Credit Acceptance, LLC (GA)

In accordance to the Fair Credit Reporting Act.

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy. UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
purpose
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Made a purchase on my comenity express credit card on XX/XX/XXXX for XXXX. I Returned the item on XXXXOnly purchase I made of billing cycle so balance should have been XXXX and no payment should have been due. On XX/XX/XXXX I was charged a late fee of XXXX. I called customer service and was told they would waive the fee and and interest and account would be at XXXX and assured me I needed to do nothing else on my end and was in good standing. However I was charged a {$2.00} interest charge on XX/XX/XXXX and then another late fee of XXXX on XX/XX/XXXX and another interest charge of {$2.00} on XX/XX/XXXX. I called customer service again today XX/XX/XXXX hoping to resolve issue to no resolve and was only willing to waive one late fee. I have nothing to show for the {$57.00} they are billing me for as the pants I had purchased were returned. I had been told my account was XXXX out and was in good standing and no action was needed from me. I feel I was mislead by customer service and basically being charged for nothing and have nothing to show for it. Even tried speaking with a supervisor with no luck resolving the issue. I would just like my account zeroed out and closed as I have done everything on my end to try and resolve the issue. I have been a customer since XXXX and never had issues in paying late fees when I was at fault. I would expect in customer service an understanding of situation and a willingness to compromise when a king good standing customer is reaching out and being upfront about situation. Very disappointed.
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX XXXX XXXX XXXX The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (KS)

There's a total of 7 unauthorized transactions I disputed with Bank of the West ( recently joined BMO ), totalling {$1200.00}. The first transaction was made on XX/XX/XXXX and was in the amount of {$45.00}. On XX/XX/XXXX there were three more transactions. Those were in the amounts of {$100.00}, {$100.00}, and {$300.00}. Yet again, on XX/XX/XXXX there were three more transactions for {$500.00}, {$85.00}, and XXXX. All of these transactions are from the same merchant that I have never purchased from or used or been to their property ( XXXX XXXX  ), they tried telling me that it was me or someone authorized to use my card when I specifically told them my card was stolen and nobody had access to my pin. I have no idea how someone would do that but my best guess was a card shimmer ( I did some research to see what could've happened ). I had to borrow money to pay my rent because my money was taken. Right before the XXXX of XXXX. I already tried to get my money back from Bank of the West, but they denied my request and said I wouldn't get any money back at all. Thank you to whoever is reading this, I truly do appreciate everything.