davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IN)

I had leased 2 phones with XXXX  in XXXX. In XXXX when I canceled service, I returned the phones. I was able to obtain proof of that then, so the first collection agency dropped it. Now I've got Jefferson capital system reporting the account as a new collection on my XXXX XXXX like its a new account, even I've already proven that it was paid, and not only was it settled, but settled XXXX yrs ago.
Consumer complaint received 2023-12-13
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)

WORKED IN STUDENT TRUCK DRIVING PROGRAM AT XXXX XXXX FOR ONLY 3 DAYS, HOWEVER BECAUSE I COULD NOT MEET THE PHYSICAL DEMANDS OF THE ROLE WHICH ENDED MY EMPLOYMENT IN THEIR PROGRAM WITHIN THOSE 3 DAYS. SEVERAL MONTHS LATER THEY CALLED ME DEMANDING THAT I PAY THEM {$4700.00} FOR THE TRUCK DRIVER TRAINING CLASSES THAT i NEVER TOOK. THESE PEOPLE ARE ALLEDGING THAT i HAVE A LOAN WITH THEM FOR EDUCATION, HOWEVER IT IS NOT TRUE AND I WAS NEVER PROPERLY MADE AWARE ACCORDING TO THE LAW. I BELIEVE THAT XXXX IS IN VIOLATION OF THE TRUTH IN ACT AND THE THE FAIR CREDIT REPORTING ACT FOR THE FOLLOWING : I NEVER RECIEVED DISCLOSURES FOR SUCH A PROMISORY NOTE, I HAVE NEVER RECIEVED AN INVOICE OR PAYMENT BOOKLET, THEY HAVE VIOLATED MY PRIVACY BY NOT NOTIFYING THAT THEY ARE SHARING ACCOUNT DETAILS WITH XXXX PARTIES AND THEY HAVE NEVER PRODUCED THE ORIGINAL PROMISSORY NOTE FOR SAID DEBT. i WOULD LIKE YOUR IN PROTECTING ME FROM THE UNSCRUPULOUS BEHAVIOR OF XXXX XXXX  BY DEMANDING THAT THEY STOP REPORTING THIS TO MY CONSUMER FILE FOR THEM TO CEASE AND DESIST THIS ALLEGED DEBT.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TX)

I opened the Credit Karma Spending Account due to tax purposes. on XXXX XXXX, 2024 I had a fraudulent charge on my account, I called immediately and the girl on the line canceled my virtual card since that is where the charge came from but told me that I have to wait until the charges cleared my bank. I called when it cleared, they told me I needed to access the email I had on file, I told them that I no longer had access to the email, and they said I needed to talk with another department and I got hung up on, I called, chatted and emailed so many times and every time they say it's being escalated, they can't help me, they'll make sure I get the right email ( I was finally able to access my old email ) but after like the 3rd time or so, the froze my account. Now no one will call me, email me back or anything, they are withholding my money and refuse to help me. I am having a mental breakdown and may need to seek help for this because this has been such a nightmare, it may not be a lot of money, but it makes a difference whether my kids eat or not and I already took out a loan so i could feed my family. I could write a book on everything that has happened so far, this is the very short version.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of america, my employer, has taken money directly from payroll ( both erroneous ) without notice, or due diligence. Other employees receive overpayment coupons. Being XXXX, the bank directly appropriated my pay, leaving me facing and having to go through an eviction. Several recorded calls " this shouldn't have happened. '' I have XXXX. I even wrote the CEO. Yesterday, as I even HR, " I'm in XXXX failure, without notice, and after deduction from payroll, the bank shut off my FSA card. No explanations. XXXX XXXX himself, and no response. " They '' just manipulated my check again. I asked a judge, and that type of collection would require a writ of garnishment or notice. Since the bank does it's own payroll, our CEO gets a tax break, while I'm almost out on the street.
Consumer complaint received 2023-12-13
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

On XX/XX/2024, Wakefield and Associates mailed letter stating {$320.00} was allegedly owed on an account. They also stated {$320.00} was allegedly owed on another account with the same institution. 

I do not have any responsibility for the debt they are trying to collect. 

I mailed, on XXXX XX/XX/2024, two separate dispute letters via certified mail, with attached certified mail receipts. This mail was received XXXX XX/XX/2024. 

More than 30 days after receipt of these disputes, Wakefield and Associates is still calling the phone number <redacted> and I have attached a voicemail recording to that effect taken on XX/XX/2024. 

Wakefield and Associates shall cease and desist all phone calls and other communications regarding this debt, other than to mail any evidence of validation of the alleged debt.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

While making more than the minimum payment on my Navy Federal credit card ( minimum payment due {$40.00} and, I noticed that I had to check the " I acknowledge that I'm paying less than my Due Amount '' box before I could proceed with my {$80.00} payment even though my {$80.00} was more than the {$40.00} that was due. 

This is misleading and deceptive practices. Furthermore if they are reporting this to the credit bureaus will add further insult to injury. 

Please advise if these are misleading and deceptive debt collection practices.
Consumer complaint received 2023-12-22
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)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : 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 an account without my written instructions.
Consumer complaint received 2023-07-20
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. (FL)

XXXX XXXX is reporting the wrong address on the account on my Experian credit report this is an address that I have never used and it's not even on my credit report as an address this is an inaccurate information please delete this account immediately
Consumer complaint received 2024-03-28
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: ENCORE CAPITAL GROUP INC. (FL)

Never had a credit card with XXXX XXXX XXXX, I have summitted a police report that my identity was stolen provided information to the credit bureaus. There has been a fraud alert placed on my account due to that matter. According to the 15 U.S.C 1681 law there should not be any damages on my account. That is defamation to my character.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The XXXX  account has been paid in full and i have requested that it be removed from my credit report on several occasions. This old account has a very high impact on my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to submit a request, and it's not allowing me to upload anything to submit the dispute. 

It's due to XXXX XXXX  and should be resolved in 4 days ; however, it will only allow me to mail something in.
Consumer complaint received 2024-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (VA)

A car was purchased by my mother with me as a cosigner from XXXX XXXX and was handled by a company called Bridgecrest. 
There was another complaint about them from me a few years thar resulted in nothing but now there are other circumstances. 
Their agreement stated that is one of us were to become deceased or the car totalled in an accident they would cover the rest of the loan as paid. 
My mother passed away in XXXX of XXXX  so that should have made the loan dissappear right there and the car was totalled in an accident involving a disoriented driver jumping the curb, hitting the car, and knocking it into my neighbors yard causing damage to their house. 
XXXX was supposed to report this to XXXX but they wouldn't give my anymore info AS I WAS NOT THE OWNER OF THE CAR PER THE TITLE AND THEREFORE COULD NOT PERSONALLY REPORT THE CAR TOTALLED HAVE IT TOWED OR ANYTHING ELSE. 
Eventually as the insurance company would not let me arrange for towing I just let the city of XXXX impound the thing as again I am not the owner just a cosigner.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and Transunion stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from Transunion and the score went up XXXX point for each account removal due to fraud. XXXX also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX XXXX and asked why they reported a negative report on my credit when they were paid through Bankruptcy. They report XXXX this after the Bankruptcy was XXXX. I have written Transunion several times trying to get this corrected and it is still showing negative! Trans union have put on the record ( paid through payment plan and not Bankruptcy. They are not showing this as paid through bankruptcy. It was put on my credit in XXXX, and my Bankruptcy was XXXX in XXXX
Consumer complaint received 2023-12-11
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)

In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, TransUnion, and XXXX to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, TransUnion and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX or XXXX so as I requested again the due diligence is on the XXXX XXXX to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX 

I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact.

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (IN)

Over the last year, I have received phone calls and letters about a medical debt I have no knowledge of. I am the 4th generation of a common family name and believe this debt does not belong to me, and have requested proof of such. On XX/XX/XXXX, Wakefield and Associates created a derogatory mark on my XXXX credit report, claiming I owe {$1500.00}. This has affected my personal credit score. 

I have answered the debt collector 's calls before confirming my name, and claiming I have no knowledge of the debt before hanging up. I have also answered calls and informed them I was at work, and not to call me during my work day ( Instead of replying to this, the associate on the phone pressed for more of my personal info ). 

I filed a dispute on XXXX XXXX and the company denied my dispute without providing any proof or documentation of this debt. Finally, I faxed a written letter to their customer service office on XX/XX/XXXX. I have a confirmation this letter was faxed to the correct office and received. This letter demands Wakefield and Associates stops attempting to call me and exclusively communicate in writing via fax or the address they have on file for me. I requested they only contact me once they have adequate validation of this alleged debt. On Tuesday XX/XX/XXXX, Wakefield and Associates continued to call me and leave a voicemail.
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5300.00}
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, XXXX XXXX XXXX, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character. 
The continued reporting of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.
Consumer complaint received 2024-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting XXXXXXXX XXXX derogatory information of 120 days late that is in correct. But they are stating that I have a XXXX balance, so both of these can not be correct. Also reporting forclosure but the house was sold before forclosure. This should be removed from my credit file!!!!
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I have requested for my funds to be placed in one of my loans and they failed to do so and didn't follow my instructions. When I asked for a refund of the funds they claimed they issued a refund and when I called back weeks later they agreed they didn't send a refund. This is the second time this is happening and I am irritable at this point. I am trying to pay off my student loans and they are making it more difficult to do so and extending my pay time.
Consumer complaint received 2023-12-15
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. (IL)

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.
Consumer complaint received 2024-03-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (VA)

This is about a previously closed complaint, XXXX. 

I was sent a loan modification that stated my new loan payment would be {$2800.00} a month and that I had to pay the past due XXXX payment of {$3100.00}. I paid the past due escrow, and then UWM Changed the terms of the modification and increased my payment to {$3400.00} a month. 

I was told that the modification payment would be at or below my previous payment of {$2800.00}, and that is not the case. My payment has increased to {$3400.00} ( a {$560.00} increase ). This is unfair, and the entire process with UWM has been misleading and deceptive. This process has gone on since XXXX of 2023. 

They claim there was a tax and hazard insurance increase, but they should have known this when they did the modification and extended the terms of the loan or modification accordingly to keep my payments lower. I have been treated unfairly and misled. 

XXXX XXXX XXXX XXXX # XXXX XXXX ( XXXX ) XXXX