davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Falls Collection Service Inc. (IL)

I am writing to file a formal complaint regarding the actions of FINANCIAL CONTROL SERVICE in relation to an alleged debt they claim I owe. Despite numerous requests, FINANCIAL CONTROL SERVICE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that FINANCIAL CONTROL SERVICE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to XXXX XXXX XXXX XXXX and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that FINANCIAL CONTROL SERVICE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between FINANCIAL CONTROL SERVICE and XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows FINANCIAL CONTROL SERVICE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX XXXX and FINANCIAL CONTROL SERVICE, because it will state FINANCIAL CONTROL SERVICE purchased this debt with the knowledge of this account not being XXXX XXXX accurate, as well without my consent to purchase, and last but not least this negative item is not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of validity of this being reported on my personal consumer report. 3. Furnish proof of licensing and bonding to operate as a debt collector in the state of Illinois. 4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. If in fact, if FINANCIAL CONTROL SERVICE believes they have provided proper notification please provide a copy of certified mail receipt. I am requesting you provide the receipt because the date of mail will be XXXX days prior to the item being reported. Not only will my signature be present on the agreement but it will support that FINANCIAL CONTROL SERVICE took proper procedures giving me the opportunity to properly address this item being reported on my personal consumer report. If you can not provide this information, please remove this item from my credit report.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On Wednesday XX/XX/XXXX, my car was broken into and my wallet was stollen. 3 unauthorized transactions were done for a total amount {$700.00} by the same merchant. When I noticed they had stollen my wallet, I immediately called Chime to advise them of these unauthorized transactions but they said the transaction had to settle first before anything could be done. I filled a police report to XXXX XXXX the next morning which was XX/XX/XXXX, and contacted Chime with the police report number after the transaction was approved. I began my dispute and provided evidence of the transaction being unauthorized, as they also tried to use my XXXX debit card as well but was declined by XXXX due to fraud. After providing all the evidence i could provide chime sent me an email saying my dispute was not approved and that the transactions were settled. My denial letter did not include anything from Regulation E which states certain information must be included in the denial letters such as terminal location/transaction location, type of transaction ; ( atm, retail pos, online pos ), name of the financial institution that initiated the charge.
Consumer complaint received 2024-06-14
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. (PA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account was garnished with Bank of America and the bank claimed at first it was taxes never filed taxes before then said it was XXXX  taxes never had any XXXX  charges never been in trouble then got a letter from the bank it was gray meaning no understanding went to irs no record then finally got a police report claiming to be about me but not my information or name on it but they have take XXXX and caused me to lose My pho es and my car due to not being able to cover my bills thanks
Consumer complaint received 2024-06-14
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. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX "
Consumer complaint received 2024-06-14
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/year> Bank of America took {$12000.00} out of my personal checking account and transferred it and used it to pay off my past due business checking account. 

I never received any letters or any warnings that this would be done. On XX/XX/year>, I called them and they said that there was nothing that they could do that this pays off my debt with them. This right of offset made my checking account over drawn and it puts me in a financial hardship as well.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I recently consolidated my student loans and applied for the XXXX plan which was granted. My monthly payment should be {$0.00} based upon my income and number of dependents. However, I received a bill from my servicer, Aidvantage, stating that I have a bill of {$320.00} due on XX/XX/XXXX. 

When I log into the servicer website, it shows that my account is currently in forbearance with a {$0.00} payment amount which I assume is the forbearance payment amount ( I don't know why I'm in forbearance but it says it ends XX/XX/XXXX ). 

I spoke to Aidvantage customer service via their chat functionality and asked that they recalculate my XXXX payment because I believe they miscalculated. The rep all but refused to do so, instead questioning why I thought it was incorrect. She then told me that the payment is calculated for {$0.00} and that my account is in forbearance to allow for the more recent provisions of XXXX to be implemented. 

However, my forbearance ends XX/XX/XXXX. The representative said the process of updating accounts ( the very reason she cites for the forbearance existing ) won't complete until XXXX. So it makes no sense that my account would be placed in forbearance for less time than it will take to complete the process that precipitated the forbearance. 

The representative insists that my XXXX payment will be {$0.00}. But the bill that is still active on my account shows {$320.00}. So I'm suspicious of the information she provided me and I got the impression that she was basically just blowing me off. I don't believe what she told me is accurate ( she repeatedly just copy/pasted info from the StudentAid.gov website about the payment recount ). 

Seeking official clarification / confirmation, I emailed Aidvantage through their website contact form ( a method of contact that I have little faith in given my past experience with student loan servicers ). 

I also directly emailed several contacts at Aidvantage. As an aside, it's quite clear that Aidvantage is purposefully trying to hide contact email addresses and prevent borrowers from easy and direct communication with their customer service reps. Despite this, I was able to identify several email addresses for customer service and some of their executives ( specifically, I emailed XXXX, XXXX, XXXX, XXXX, and XXXX ). I explained all of the above and requested that someone recalculate my payment correctly ( and/or forward my message to any executive customer service team that they may have ). Several days have now passed and I've received no response to any of my communications- neither the message sent via their online form nor the emails I sent to the above contacts. 

Aidvantage is miscalculating my XXXX plan payment, a common issue it seems if the number of complaints online is any indication ( it makes one suspicious that this may be intentional ). When I attempt to address the issue my concerns are dismissed or outright ignored.
Consumer complaint received 2024-07-11
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Conduent Incorporated (CA)

On XX/XX/XXXX I made a purchase with XXXXXXXX XXXX  where they pre authorized {$90.00}. I had XXXX in my account at the time. XXXX delivered and adjusted the amount they took to {$86.00}. But instead of adjusting my account went negative {$88.00} and the first authorization is still pending today.. XX/XX/XXXX. I reached out to the customer service department since the XXXX regarding this pending charge and they said it will not release. So when I got my payment on XX/XX/XXXX it was minus the XXXX it should have been. I spoke to the supervisor after being on hold for 4 hours ( Im not exaggerating ) for him to tell me that there was nothing they could do and the bank knows this is an issue and will not fix it. States there have been thousands of customers saying the same thing happens to them. Tried to get information on the bank associated with Way to go card for Wisconsin child support and he said there was no other way to reach out to them.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Braviant Holdings, LLC (CT)

XXXX/BALANCE CR is showing and. open account with a balance when it's been paid for over 2. yrs with a XXXX balance and is closed. They agree it's been paid but say they have no idea why it's still reporting with a balance on my credit report. 
I want it either removed or updated to correctly show a XXXX balance and closed account.
Consumer complaint received 2024-08-20
Product: Credit reporting 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. (UT)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (KY)

Continuously accused by Truist Bank, after having to file identity theft for accessing credit report without consent to deny Home Equity Loan, being accused of depositing a fraudulent check, now after breaching their own agreement for a cash reserve line of credit that was not due for payment until the following month. Truist has put it in collection, but not informing the collect agency that the funds they used to pay the line of credit cash reserve came from the fraudulent check and the payment was not due til the following month ( XX/XX/XXXX. Replied to collection agencys email XX/XX/XXXX I received on XX/XX/XXXX and mailed them copies of date cash reserve was due for payment, other documents to show Breach of Agreement by Truist XX/XX/XXXX. Truist for some reason is trying to ruin my credit and my life, but willing to say why this is happening.
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (NY)

I was surprised by what I saw when reviewing my credit report, I saw a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe my payment to you were made on time like they have always been. My only thought that I never received a bill from you.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-13
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. (TX)

XXXX XXXX and Transunion are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (MO)

I attempted to cash a check issued by my own business XXXX XXXX XXXX XXXX a check for the amount of {$36.00}. The check was issued from my XXXX XXXX  account ending in XXXX, and was issued on XX/XX/year> -- and bears the check number # XXXX. Ingo Money -- a check cashing service that is used by a great majority of the online banks -- has seemingly suspended my account due to what it looks like they're describing as 'irregularities. ' This has happened before and was resolved by a previous Consumer Financial Protection Bureau complaint/ticket. The complaint ID on that case was : XXXX Ingo Money suspending my account -- and other people 's accounts -- for legitimate checks -- causes significant handicaps to people 's ability to access banking services. I am requesting once again that the CFPB intervene to restore access to Ingo Money 's check cashing services.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/year>, there was a hard inquiry conducted by Capital One which I do not recognize or authorize. 

I contacted both XXXX and Capital One regarding this matter multiple times. XXXX told me I would have to contact Capital One. I sent a letter to Capital One but the company only sent me a very generic response that did not address my concerns or provide any clarity on the matter. As this inquiry was not initiated or authorized by me, I am requesting that XXXX investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please find attached the letter from Capital One and my Identity theft report attached.