davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-05-28
Product: Credit card or prepaid 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: SANTANDER HOLDINGS USA, INC. (MA)

below is was the exact email i sent to santander with the same photos. all they had to do was XXXX " XXXX '' and call them. they'd get their answer if its a scam or not. as when i called the person said " no we are not new XXXX  parts. and there is a scam going on with people using my business ''. i even later emailed new photos to show " new XXXX parts '' had more people backing up my claim. or they could of spent 10mins searching for the shipping company and see that tracking is bogus along with all the phone numbers.

Photos provided to show evidence for fraudulent business. Paid for an auto part was told it was pending shipping. but the website they provided ( see figure 12 ) brings me to a site that the phone number is disconnected. XXXX the shipping business bring me to a different phone number, and that one isn't even a shipping company. the seller at one point said i had to contact the shipper to pay a fee for insurance ( see figures 8-11 ). At that point i knew it was not a legitimate business. No actual company is going to ask for payment via XXXX etc.

Figure 4 shows them posing as " XXXX  ''. XXXX  that does show an actual business, but when i called they knew nothing about the part i ordered and even said if someone said its coming from us its a scam. XXXX XXXX XXXX said they are aware that there is a scam but did not who or from where.

Also the entire conversation has multiple phone numbers, from multiple states.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC (MD)

Debt collector sent an unsolicited text message to a shared, non-private phone number owned by my mother, and publicly registered in her name. This text message contained my full name, address, stated that they were a debt collection agency and were collecting a debt, and provided details on my debt including private health information/clinic information. The debt collector did not do anything to encrypt the message or confirm that they had the right person before providing this information and so they provided this information to a family member.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-06
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. (TN)

Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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. (GA)

In accordance with the Fair Credit Reporting act Convergent accounts In accordance with the Fair Credit Reporting act Convergent accounts, XXXX XXXX XXXX # 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.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NV)

I was checking my credit report and noticed that VW had reported my old Car Loan to all 3 credit bureaus as 30 day late for the month of XXXX of XXXX  as well as 30 day late in XXXX of XXXX XXXX Multiple calls were made to VW customer service during that time sine we were in XXXX XXXX and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I enrolled the offer of FNBO {$300.00} Checking Bonus + {$200.00} Savings Bonus with details like below : " FNBO Bank is offering a bonus of up to {$500.00}. Bonus is broken down as follows : Open a new checking account with XXXX XXXX XXXX and receive a {$50.00} bonus Open FNBO Savings account the same day as your checking and receive a {$10.00} bonus Set up and receive qualifying direct deposits in your new checking account ( direct deposits totaling {$500.00} must post to your account XXXX XXXX periods in a row ) and receive a {$250.00} bonus Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus '' I was able to maintain the balance of at least {$3000.00} in the savings account ending in XXXX for at least 90 days. I deposited at least {$3000.00} on XX/XX/XXXX and kept it until XX/XX/XXXX. I attached all the statements showing these balance. 
However, I still didn't receive the bonus. Now the account was automatically closed due to XXXX balance. 
Based on the requirement " Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus ''. I should receive the bonus since I kept the balance for more than 90 days and checking account requirement was satisfied. 
Please resolve this ASAP!
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

sometime around XXXX And XXXX of 2023 my Bank of America account was closed due to fraud. The Account stated that a False checked was deposited into the account from XXXX but i am from and have been in XXXX. I had recently lost my phone around this time with my mobile banking app connected to that lost device. When i tried to log back into the account i was denied of service and with no clue why i tried to open another account. that when i got denied for any and all bank accounts.
Consumer complaint received 2023-05-28
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. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was using my Bank of America app to XXXX transfer an amount of {$170.00} to someone whom I know for a service they provided my daughter for her graduation makeup. I have the receiver of the XXXX transfer in my contacts already, especially because she is a relative and someone know to my family. Before I transferred the money, I check her number in my contacts, then entered her contact as to who I wanted to transfer the money to. I had checked before sending, and then sent it. I asked her to approve that she received the XXXX, then she says she didn't. So i checked if it had went through, and it did. We were confused as to why she didn't receive it so we gave it a couple seconds but nothing happened. I checked again under her number, which had her name on it, and i even called her under that contact to make sure it was her before transferring. She received the call, but not the transfer. I then realized that the last XXXX digits under the number were altered. I called the number to ask if they could simply return the XXXX back to me, and she had told me she doesn't even use XXXX and that she didn't receive a transfer of the amount i provided. I called Bank of America and they had told me to get in contact with XXXX during their business hours, and also told me that the XXXX transfer had gone through and that the person who received the XXXX actually uses it. I tried to get my money back multiple times, and asked Bank of America to get in contact with whoever received the money, but they refused. I asked them repeatedly especially after knowing that the receiver was also using Bank of America. Also, i had made sure that i wasn't in the wrong because I used my other bank, XXXX, to XXXX my relative the {$170.00} since she didn't get it from Bank of America, and i put in her contact, and it worked perfectly fine. I know this is on Bank of America, and it upsets me because i've been tied with them for over XXXX  years. I needed them to do the simplest thing, which was to contact who ever got my money, and simply ask to refund it back to me, which they couldn't do. I need my refund back please.
Consumer complaint received 2023-06-05
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. (TN)

I have requested repeatedly for the company XXXX XXXX and also XXXX, XXXX, and Transunion to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX
Consumer complaint received 2023-05-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX  accounts, Online Information Ser # 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.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid {$5500.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This company did not provide the legit hajj permit. So I asked my money back. As of now recieved only {$2500.00}. Remaining {$3000.00} i want back soon.
Consumer complaint received 2023-10-18
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: Consumer Financial Services (FL)

THIS IS NOT A DUPLICATION. 

I submitted a claim, MULTIPLE TIMES NOW, they refuse to answer my questions on the phone, they refuse to work with me, they refuse to find a solution and help people who are innocently suffering with false inquiries. The company stated as follows : XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint and attachments. Our records show that XXXX XXXX applied for an auto loan on XX/XX/2023, via newroadsautoloan.com. XXXX received the credit application electronically. A copy of the disclosure and consent is attached. Ultimately, XXXX did not finance XXXX XXXX. If XXXX XXXX believes that the inquiries were submitted in error, please provide additional information to our Credit Report Response Team for investigation at XXXX XXXX XXXX XXXX XXXX, Attn : Credit report Response Team, XXXX XXXX XXXX, XXXX, CA XXXX. However, I did not authorize them to access my credit report. I have not spoken to ANY personal at this company to do such as long as I have lived on this earth! I do not know anything about this company. I could not tell you what they do or what their company offers- if they offer any services. No clue is they are even reliable or accreditable. I have never encountered them, do not wish to, and do not need to.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My account was closed without my knowledge on Friday XX/XX/year>. I have no delinquent accounts, 100 % on time payments and have never missed any payments on any of my credit account. I was told that my credit balances where too high but the total of all my accounts is less than XXXX $ and like I mentioned earlier I make all my payments on time and made all payments for this card on time. I also had a credit limit of {$3000.00} on this card that was closed and my balance was XXXX $ as I had not used it in a while. It was the Synchony home credit card.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

Discover Card has misleading information and has not shared credit injury findings. Approximately 3 months ago, I noticed my payments were not reflected on my account. When I contacted Discover Card, I was made aware that my account was suspended and that several offers were sent to me. I advised the representative that I have never received offers to assist with making my account current. However, I was told that my account would continue the suspense status until a review of my credit report around the XXXX of the month. Also, I will not be updated on the findings of Discover reviewing my credit report and other credit accounts ( performing monthly credit card inquiries ). I continued to pay discover with payments above minimum requirements due to discover only offering a program that would continue the suspense for 6 months or 12 after I complete the program. The card will be placed under a credit inquiry on the XXXX of the month to see if the suspense will be lifted. Discover has been running credit inquiries without my permission ; discover has not shared the results of the credit inquiry. Discover only has permission to run identity theft checks to protect me, discover has refused to inform me of the credit inquiry, only stating, " we can do this because of suspense. ". I expressed that if the account is in fact closed, I must be informed that Discover has denied the account being closed. Discover will continue to perform inquiries on my credit report/profile. When an account is available for status updates and changes, the consumer must be notified. Discovers does not have permission to run my credit report without my knowledge or consent.
Consumer complaint received 2023-07-03
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. (NY)

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 U.S.code 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$260.00} XXXX {$950.00} XXXX XXXX {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment . 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions.

15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : Equifax- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (MI)

Subject : Cease and Desist Communication, Notice of Identity Theft, and Request for Debt Validation Dear Sir/Madam, My name is XXXX  XXXX XXXX a federally protected consumer. I'm filing this complaint to bring to your attention a matter of utmost concern regarding the alleged debt you claim I owe. This communication serves as a formal complaint, notice of identity theft, and a request for debt validation. 

First and foremost, I want to make it explicitly clear that I have never given Amsher Collection Services any permission to use or disclose any of my identifying information. It has come to my attention that you have been using my personal information, without my consent, to contact me about an alleged debt. This unauthorized use of my identifying information constitutes a severe violation of my privacy rights and is a clear case of identity theft. 

As a consumer protected by federal law, I am aware that the assignment of a defaulted note is illegal, as stated in Article 9. This implies that any purported assignment of the alleged debt to your agency is invalid and void. Consequently, both the assignee ( Amsher Collection Services ) and the assigned ( original creditor ) are liable for violations under 15 U.S. Code 1692e ( 12 ). 

In light of the above, I demand that you immediately cease and desist all communications with me regarding this alleged debt. Furthermore, I request that you provide me with the following information : 1. Proof of your authorization to contact me regarding this alleged debt.

2. Documentation verifying the existence and validity of the alleged debt.

3. Documentation showing that the original creditor lawfully assigned the debt to Amsher Collection Services. 

If you are unable to provide sufficient proof that I owe this alleged debt, I demand that you remove all references to this debt from your records and cease any further attempts to collect it. Failure to comply with this request will leave me no choice but to pursue legal action seeking {$1000.00} per violation, as provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I expect a prompt response to this letter within 4 business days from your receipt. Your cooperation in resolving this matter amicably and without further delay will be greatly appreciated. Please send all correspondences regarding this issue to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX  XXXX