davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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. (IL)

I called Transunion yesterday to follow up on my dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX XXXX XXXX  asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/XXXX Deposit made after XXXX XXXX  at ATM for {$3300.00} - {$220.00} immediately available. Called bank about hold time, and funds were to be released XX/XX/XXXX. 
XXXX fund not released, no notification of extra hold given to me. Will not release until XX/XX/XXXX. Was told by chat agent to call in. Called bank and was told Fed returned the check unpaid. Escalated to a manager who said Safety had extended the hold that it had been returned by the Fed as unpaid. 
XX/XX/XXXX afternoon - received confirmation from issuer that check was not returned and was being processed. Provided information to the bank. Was told it had not cleared yet and if it being cleared could be verified they would release funds. 
XX/XX/XXXX evening was called by issuer and informed that XXXX XXXX had cleared the funds. 
XX/XX/XXXX - called NFCU and they refused to release funds. Will not release until XX/XX/XXXX NFCU availability policy is 5 business days from acceptance of deposit. I was told repeatedly when it showed cleared by XXXX XXXX these funds would be released. 

Paperwork provided is by issuer of check. Despite repeated requests for copies of hold notification or reason for additional hold from Navy Federal Credit Union not a single piece of information was provided. Even when told I would be emailed a copy nothing was sent.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (KY)

I borrowed {$4800.00} in XXXX of 2024 and have been paying {$700.00} a month since then and as of XX/XX/2024 my balance is {$5200.00} .The company said all but {$96.00} was going to fee 's. 
I was under the impression that I was close to having it paid off and I haven't even scratch the surface. 
Please Help because this should be against the law.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2023-06-08
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. (IL)

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 the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-07-23
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. (IL)

I sent a letter to Experian asking for a method of verification on 3 of my collection account 2 of them are XXXX XXXX XXXX accounts and the other is XXXX XXXX.  They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX XXXX that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in 2021 XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.
Consumer complaint received 2021-07-19
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. (MS)

On ( XX/XX/2021 ), I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties.

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.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Yesterday, on XX/XX/2023, {$1000.00} was deposited at the ATM terminal, located in the front of the bank. I deposited {$1000.00} and the money still hasnt been credited to my account. I contacted the bank yesterday, and I called them today, I also called the corporate office and spoke to a teller at the site : TD Bank XXXX XXXX XXXX XXXX XXXX , NY XXXX I was asked to come into the location and speak to a CSR, and they did not assist me or provide any assistance with this transaction and the ATM issue. 

In the past, mostly of recent, there have been numerous instances where debit cards have been ordered for my checking account and the numbers for the cards associated with my account have been placed to be viewed within the online banking modules. When I asked the CSRs, tellers and bank manager at this site, they all told me that they can not remove the cards that were linked to my checking account and did not provide any information that was related to the cards that were associated with my checking account. I never consented or I never requested these cards to be ordered for my account. 

The banking team at this branch has provided my US Passport to others without my consent by the accessing of my storage box. In one visit at this site, one of the CSRs provided information to me that my friend, XXXX XXXX, came into the bank and impersonated me. The CSR told me that I looked exactly as XXXX XXXX and he looked exactly as me. I asked the bank manager if he knew this person, and he told me that he did not, and he also told me that he does not know his ex-bf, named XXXX, whom was once a teller/CSR at this site. The bank manager provided information to me that him and his team was not acquainted with this individual ( XXXX ) and the entire team was rotated and the members of this team were entirely new to the site. 

I have been told by numerous people that I know that XXXX XXXX has been impersonating me, and forging my signature. I am concerned that XXXX XXXX may have been the person to access my safe box.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank froze my bank account on XX/XX/XXXX due to suspicious activity. When i called them to find out what the issue was, they advised me that they needed acceptable documents. I can understand if they would have helped me apply for the loan which is a service they offer their customers, but I myself applied for these grants, i submitted proof of my business, and the grants ( XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX ) were awarded to me and deposited into my bank account. XXXX has no right to hold these funds or my personal funds or even try to implement their own requirements 2 months after it was deposited into my account. Chase has yet to release my funds and they keep giving me the run around asking for one document, telling me its all they need and when i send what they request, they come back and throw a new document request! This is ridiculous! I have submitted more than 20 documents to prove my business is real and still nothing! I sent JP Morgan chase emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and nothing has happened! I have also submitted a complaint through the XXXX  and have reached out to several media companies to bring this issue to light since i have been finding out they are doing this to several people. out of all the emails i have sent with documents, they have not physically responded to a single one and only give me an answer over the phone and claim the conversation is being recorded if it ever turns into a legal issue. How do i know this is true? I have also contacted the SBA directly and advised them of the issue and they have also advised that Chase has no right to hold the money and it is not their concern whether or not the funds were deposited into a checking account instead of a business account which is how this all started! I just think Chase is upset that i do not want to open a business account with horrible bank like theirs! Unfortunately SBA can not intervene due to Chase already having the money.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX XXXX '' insurance ID XXXX. After a while, I received a bill from the hospital for {$960.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$960.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again
Consumer complaint received 2023-06-08
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. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The company reported to both TransUnion and XXXX  that my payments were late from XXXX XXXX XXXX three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I reviewed my credit report from XXXX XXXX and XXXX and seen PORTFOLIO RECOVERY ASSOCIATES listed as a debt collector for XXXX XXXX Bank. 
I called and explained that this is not my account and the address listed was never a used address and this was fraud. I asked them to send me a copy of the signed XXXX XXXX credit card contract with my signature and they told me no. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX  and transunion have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TN)

EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (TN)

The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX XXXX XXXX ( " XXXX '' ). I am the original creditor for the consumer credit transaction. XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX my direct consent to share my private identifying information with anyone. XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. XXXX and XXXX took legal action against me in a county I did not reside in. XXXX nor XXXX has authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and my wages were garnished. This is my second run in with XXXX taking illegal action against me. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.