davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (GA)

I am submitting a formal complaint to re-dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX  Account XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : XXXX XXXX : The payment history associated with this account varies between the credit bureaus, and the Date Closed also differs. 
Account XXXX : The reported Date Opened, Balances and other account details differ significantly across the credit bureaus. 
Account XXXX and Remarks : The account type and remarks provided in the reports are inconsistent. 
Last Date of XXXX : The last date of activity reported for this account varies between the credit bureaus, with differing remarks. 
These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, your investigation results indicate that the account was allegedly updated as accurate, according to TransUnion. However, XXXX 's dispute results ( XXXX XXXX : XXXX, Date Issued : XX/XX/year> ) show that this account has been deleted from my credit file. 

I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that XXXX XXXX XXXX Account XXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit report from TransUnion, highlighting the inconsistent reporting across multiple credit bureaus, as well as the dispute results from XXXX. 

Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer. 
Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I relied upon the belief that you would do the honorable thing and remove your derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid charge-off which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely. 

I am quite confident that both you and a court of law will agree that such is a perfectly reasonable assumption for an average debtor to make. And so upon that assumption I agreed to pay the debt and in fact did whereupon you actually worsened my credit bureau scores and that was most definitely to my detriment and prejudice and provided me with grounds to sue you for the full amount paid plus attorneys fees, court costs and whatever additional punitive damages a jury might award me. 

Unless you move to cure your error and remove your derogatory remarks from my public records within 15 days of your receipt of this letter and provide proof of your cooperation with my demand in the form of mailing me a copy of your UDF which you transmitted to the credit bureaus demanding it's removal I shall immediately move to file against you in a court of law with jury trial demanded. 

I am quite well aware that you have a contractual agreement with the credit bureaus which covers this problem and supposedly prevents you from compliance with my demands but a contract which is in violation of the law is null and void and of no force and effect whatsoever and therefore can not be enforced either by you or upon you. Your so-called contract with the credit bureaus will not protect you for your willful violation of my rights which are protected by the Doctrine of Estoppel. 

Your failure to cure and provide me with proof of your having cured the problem within 15 days after your receipt of this letter will be considered sufficient reason to refer this matter to the courts for their resolution.
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (GA)

Contract with XXXX was terminated. XXXX issued return labels for return of XXXX iPhones, a router, and a charger. The items were returned promptly using XXXX 's pre-addressed, pre-paid labels. I have the tracking numbers from each shipment and the XXXX numbers identifying each phone in that shipment. 
XXXX has not credited XXXX of the XXXX phones returned. I have called them XXXX different time to try and resolve. It takes XXXX minutes per call and each time XXXX has told me they can see that the " missing '' phone did arrive at the warehouse. They tell me it will be corrected and credited " in a few days ''. The credit has never been issued. 
Since that time, XXXX has turned the account over to Diversified Adjustment Services , Inc. and placed a Collection notice on my credit report.

I am senior citizen and consider this Elder Fraud. They know they have the equipment. In fact, XXXX XXXX employee voluntarily removed my credit card from account at the beginning of the dispute over the returns so I would not be charged for something I had returned. She could see in the records that all equipment had been returned, but evidently knew it would be a problem getting credit for them. 
Please tell other consumers to keep all paperwork fromXXXX its shipping agents, and suppliers until they see on paper that the issue has been resolved. Do NOT take a customer service reps word that everything is okay as it takes week for them to rebill you.It 's also important to document the IMEI number of a cell phone and match it to a serial number for tracking purposes.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CO)

Every month when I try to submit a payment online, there servers are always down and I can not submit a payment. After I can not submit a payment online, I try to call the provider after I can not submit the payment but they always seem to shut their phone system down. I do not like Mr Cooper and would like to switch my loan to another provider but the only way to do so is by refinancing. Mr Cooper has not made any attempts to make their systems better or provide a way to communicate directly with them in a timely fashion. Mr Cooper must provide better customer service to ensure that their customers can contact an agent when we are trying to pay our mortgage or have general questions about our accounts.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Debt collector repeatedly called my job. 6 times back to back. Spoke to 2 of my supervisor. Telling them I owed {$1700.00} in medical bills. Which was not true. I owed XXXX, XXXX, XXXX.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I went to open a bank account with XXXX but I was denied. When I inquired about why I was denied, the bank rep told me it was because I had an outstanding balance with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX never notified me that they were going to report this information to any consumer reporting agency, and the information they reported was/is not completely accurate per the FCRA. I am a single father who needs his bank account to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking legal remedy.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (KY)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide me with the certified receipt with my full name on it.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

On XX/XX/year> I visited with XXXX XXXX to tell her my mom had XXXX and I needed to leave the lease early to take care of her, she said this was okay. Well apparently not because they charged me {$3300.00} and it hit my credit report hard, the house was spotless when I left it. Yet they are charging me. It's been on 6 years not which is the maximum for a hit to be on my credit report for the state of Colorado. 

Fair collections and out is trying to collect this debt. This is very unethical seeing how I was told I was able to get out of my lease early. I tried disputing the report but they declined it without reasoning.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (IL)

On XX/XX/XXXX, at XXXX Central Time, I tried to login to alliantcreditunion.org The website kept timing out repeatedly, failing to get access to my account. After about 20 minutes I manage to access my account. I proceed to make an online transfer ( withdrawal ). Once I hit " Submit '', the website once again times out with " Error 504, Gateway time out ''. I check my balance and the withdrawal amount was not deducted. I check my email and there is no alert for a scheduled transfer. Consequently, I proceed to make another transfer, thinking the 1st one was not made. The 2nd transfer also timed out after clicking " Submit ''. Soon after, I get an email saying both transfers have been scheduled. However, there was only enough funds balance for 1 transfer. I called their customer service and the agent could not help me because he could also not access the system. The website was inoperable between 30 and 60 minutes on a Thursday morning, leading to misleading error messages that created a sense of anxiety about the security of my funds and the overall Alliant online system. It should be investigated how a financial institution does not IMMEDIATELY debit the balance of a customer 's account when a withdrawal is submitted AND ACCEPTED by that system.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (MN)

I regularly monitor my credit report and noticed a l unauthorized inquiry from discover using my personal information on XXXX of this year. I immediately got in contact with discover only to find out it was initiated using my personal info. I never ever signed up for a discover credit card or any credit cards around that time since I had just turned XXXX and know I wont be approved for any credit cards immediately. It occurred on the date of XX/XX/XXXX. 2023. I have contacted the credit bureaus immediately after contacting discover and they couldn't help much.. Discover said that they will investigate it and get back to me. It has now been 6 months without any follow up/ update on this matter. I decided it was time to file a complaint through you guys since discover didnt acknowledge it and I respectfully request that you guys investigate this incident and take appropriate action to address this identity theft and prevent misuse of my personal information.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I placed an order with XXXX through the XXXX XXXX XXXX. Almost instantly, I realized I had not changed the delivery address in the app to the correct one and the food order would not be delivered to me because the XXXX location was too far away. I canceled the order and asked XXXX XXXX  for a refund, which XXXX XXXX refused to issue. I disputed the charge with my credit card issuer, Citibank. They found in XXXX XXXX XXXX favor on XX/XX/XXXX. I never received the food and I do not think I should have to pay for something I did not receive, especially when I acted promptly to cancel.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has indicated they are suing me for a debt owed to XXXX XXXX XXXX. 

They filed the attached with the court claiming I owe the same amount to Bank of America. 

I am extremely confused as you can see XXXX 's internal index number ( their XXXX XXXX  ) is the same on both the summons and complaint for XXXX and the affidavit from Bank of America. 

I do not bank with Bank of America, have no history with Bank of America. 

In addition, I am disputing the debt from XXXX. 

It therefore seems that XXXX does not properly review their files, and this is evidence of this fact. They seem like they are some kind of boiler room for debt, trying to collect without any care for facts.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO Bank, N.A. (KY)

XX/XX/XXXXXXXX  taking direction from BMO bank rep, to payoff the boat loan the fastest way they walked me though a transfer. 

XX/XX/XXXX2024 that completed. 

It's now XXXX2024 and they still haven't competed the process. 

Several calls and hours later on the phone. I was told by the leader of account resolution told me it's still in process. 

This bank has poorly trained representatives, resolution leaders are it capable of finding resolution.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (FL)

Fraudulent employees at US BANK And FALSE ADVERTISING FROM BANK. 
THEIR OFFER SAYS {$800.00} bonus IS SUPPOSSED TO BE SUBMITTED WITHIN 90 days and rep XXXX failed to resolve the issue. I asked to speak to a manager rep XXXX spoke to mananger XXXX who refused to take phone call and prevent false advertising complaint. 
Rep and manager aware complaints are being submitted to CFPB and other government agencies since they declined to fix the issue on the phone call.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (TX)

I have been contacted by this company numerous times. When I called and spoke to someone on the phone I requested a debt validation letter and was sent some random statement to my inbox ( several days later ) saying that I had until the same date to make a full payment. From there I have been called by numerous people from their offices as well as I have been texted in my personal cell phone number stating lots of misinformation including but not limited to false states regarding an overdue/unpaid credit card. 

I was also never provided an actual debit validation letter with account number and my rights to despite any or all of the information. 

I have been spammed constantly by calls and texts numerous times daily stating that
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (FL)

Dear RECEIVABLE MANAGEMENT, I am writing in reference to my previous communication dated XX/XX/2024, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account XXXX Original Creditor : XXXX XXXX Amount : {$300.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NRA Group, LLC (NY)

On XX/XX/year> I disputed an account that I found to be inaccurate on my credit report- this was done with XXXX through XXXX XXXX. After a few weeks, I hadnt heard anything regarding results of the dispute so once checking credit karma, the dispute now had the status of completed. I reached out to XXXX by phone and let them know that I NEVER received my results from the dispute- I was told that the results were sent to my mailing address on XX/XX/year>. Once looking back on my report about a week later, the account was removed. On XX/XX/year> I viewed my updated credit report and noticed the same account was back on my credit report, just under a different collection company. I reached out to XXXX by phone on XXXX XXXX and was refused my results for the prior dispute ( same account ), I asked why the account was back on my report after I had proven that it did not belong to me and it was removed, he told me that he was unaware of the reason - who I spoke with assured me he was refusing MY results on the recorded line. I never received notice or any form of communication from this new collections company, never been in any business with them, nor did I give them consent to furnish anything upon my credit report!