davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation 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 2023-07-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (TX)

US Bank Relicard has been nothing but trouble since receiving it. I usually get my direct deposit Government Benefits sent to US Bank XXXX XXXX XXXX after receiving them from XXXX. US Bank does not deposit my benefits early. Recently, I requested a payment from Texas XXXX XXXX on XXXX XXXX, 2023. This was processed and sent to US Bank XXXX on XXXX XXXX, 2023. I did not receive the funds, When I logged in today it tells me that my account 's are in ( Read Only ) Mode. When I spoke to a rep today from US Bank XXXX they told me that my account has been deactivated from XXXX and that I need to contact XXXX. XXXX does not issue debit cards and does not have control over enabling or generating or disabling debit cards. That is US BANK. I asked to speak to a manager who told me they closed my account on XX/XX/XXXX after receiving my payment and that I can't speak to anyone about it and he can't explain it to me. Even though, I never received any letters or notices from US Bank Prior to my account being ( Closed ) Without Explanation or resolution. Again he directed me to contact XXXX. I called XXXX Today and they told me they don't see anything about a account deactivation and that there is no errors on their side, They told me they will have to send an inquiry to their finance department but they already issued my payment and US Bank did not send it back. US Bank is obviously holding my funds ( My original email XXXX ) US Bank Relicard customer service refuses to give me any information and just keeps directing me to XXXX. XXXX tells me they do not issue debit cards, my account is not locked with XXXX and my benefits payments are in good standing. So Clearly this is an issue with US Bank Relicard. They are holding {$1000.00} of my money, and this is going to cause me to be evicted and not be able to pay bills. This is causing financial loss and monetary harm. US Bank Did not provide detail, and will not assist me. US Bank issues the Relicard and again they are all clueless as to what is happening. XXXX said Relicard may need to verify my identity but they have already done that several times now. I want a resolution as to how it is legally allowed for them to hold my government benefits without explanation. Closing the account the day they receive them seems oddly suspicious.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

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 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 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Stellar Recovery, Inc. (NV)

I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Over {$650.00} was taken from my social security payment by wells fargo to pay XXXX XXXX a loan i have a clear access checking account which if funds are not in the account it cant be overdrawn or charged wells fargo has done this numerous times overdrawing my account charging me fees allowing different merchants to charge my account even when a stop payment is placed on the merchants i dont recognize wells fargo then locks me out the system online to file disputes customer service always refuses to give me a manager or other numbers to be assisted Wells fargo freezes my account for suspicious activity cuts my card off pays whom ever they want to when they want to wells fargo fails to update my bank account charges transactions and current balances Wells fargo takes days to clear posted transactions Wells fargo takes a very long time to dispute transactions at their fault after ive made request and not authourized services My account stays in a negative balance im charged for something every month all month long I am XXXX the fees are outrageous the bank is negligent they refuse to help you when you wont give them passwords debit card numbers or pin numbers they dont file claims properly they violate my rights such as social security benefits are exempt from garnishments collection agencies and so on yet wells fargo allows these thefts to occur Its been a week and money has not been credited back to my bank accounts the credits that are refunded end up being taken by another charge and not updated properly or filed under the correct information and title im charged late fees because of wells fargo not posting payments until they feel like it it has affected my credit score XXXX XXXX charged me for a loan i didnt request plus a late fee placed a default on my name and credit accused me of paying a loan off with a different card number not on file then released another loan at the same time one was unpaid in the same week days apart resulting in more late fees as well as wells fargo allowing them to use my account to cover the loans without my knowledge ive sent corporate emails with no help in fixing the situation its numerous charges from for subscriptions i didnt request over draft fees atm fees recurring charges i never set up paying my bills two times changing dates when payments are processed that differ from the mobile app tranactions are missing on statements I need all my XXXX money returned to me inconvience fees as an accomodation my information properly updated fixed with the credit bureaus fair opportunities for credit cards applications i submitted to wells fargo but was denied because of their errors
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: American Collections Enterprise, Inc. (VA)

Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. In XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay in XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement in XX/XX/XXXX and paid in XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
Consumer complaint received 2023-08-05
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. (ID)

The credit reporting agencies keep adding that my account with XXXX is in XXXX XXXX bankruptcy and it is not. I have not filed XXXX XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have notified TransUnion numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated TransUnion on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (PA)

I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (CA)

I rented an apartment with my roommate in XX/XX/XXXX -XX/XX/XXXX and was kicked out by him, he still remained in the apartment and I let management know i was kicked out and returned my keys, was told I did n't have to pay and now the negative account is in the way of getting an apartment. They no longer have me in the system due to new management, I would like to clear it so I can move in as soon as possible. Thank you.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, Social Security and a Self-attestation letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission XXXX XXXX. Equifax is giving personal detail without my permission.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Man-Data Inc. (OR)

They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 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 2015-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NC)

A notice of hearing has been filed to occur prior to an illegal attempt at foreclosure of a deed of trust " in the matter of a Deed of Trust executed in the original amount of {$90000.00} dated XX/XX/XXXX, recorded in Book XXXX, Page XXXX, XXXX XXXX XXXX '' by XXXX XXXX XXXX XXXX XXXX represented by " XXXX XXXX XXXX '', XXXX XXXX XXXX, XXXX, XXXX, XXXX. Details of the notice and the original deed identify XXXX ( XXXX ), FKA XXXX, as Trustee to the certificate-holders of the XXXX XXXX XXXX XXXX ( XXXX, XXXX ) ASSET-BACKED CERTIFICATES SERIES, XX/XX/XXXX-XX/XX/XXXX, also DBA a debt collector for XXXX XXXX XXXX, named Specialized Loan Servicing , LLC ( SLS ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX being named defendant in a Federal class action by XXXX states, is still in the process of disseminating funds and other loan modifications to it 's customers who were deemed by the United States Department of Justice to have been damaged. Court documents and the XXXX Attorney General XXXX XXXX, along with the other states are directly involved with monitoring and assuring compliance by the banks and loan servicers to satisfy the disbursement of funds and mortgage modifications as ordered by the DOJ to give relief to these borrowers. Information can be obtained at the XXXX Attorney General 's Office of Mortgage Settlement Oversight at their website XXXX Attachments will show a brief summary of what is being accomplished, and final appeals and final settlements and actions by the courts against XXXX have only recently been reached and loan modifications will continue for the remainder of XX/XX/XXXX into XX/XX/XXXX. In addition, a lien is held on this specific property by the State in the approximate amount of {$11000.00} in the form of a grant obtained by the XXXX Housing Finance Agency and is backed by Federal government money in order to prevent a foreclosure. Any enforcement of foreclosure on this property would directly nullify the agreements already in place and legally obtained by the State of XXXX, the United States Department of Justice, the XXXX Department of Justice, and would further violate and upset the settlement agreements afforded to and established for this individual as so ordered by the Superior Court.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that XXXX XXXX XXXX is the owner of this account. Transunion reports incorrectly that this account has a balance {$7700.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: MIB Group, Inc. (CA)

The MIB member insurance bureau is subject to the FCRA under a credit-reporting auspice. They are a collective informational personal health collection agency used by the insurance companies to pool information. They have incorrect data about me, that used to be correct ( XXXX, for instance ) but they are unwilling to correct this despite my doctor 's notes and tests submitted. They wish to retain this patently incorrect information for 7 years. Their reevaluation process is laughable -- they contact the insurers and say " did you say what you said ''? And if the old information is confirmed to 'have happened ' that constitutes a reinvestigation in their minds.