davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

XXXX I deposited a {$4900.00} check at my bank. The teller tells me the check will be on hold a few days and I could not withdraw from it till it cleared. XXXX Monday XXXX I go online and see the check has cleared. Later that day, I make a payment of {$4300.00}. Tuesday morning XXXX, I go to my account to pay a bill and see I am overdrawn more than XXXX bucks. I take {$3000.00} out of my business and make a deposit to cover the overdraft and pay a bill until I can find out what happened. Next day I called the bank and they told me the check was no good. How could that be I ask because it showed in the plus column. Their answer was, the teller who took the check never put it on hold. XXXX prevention calls to question the check. I tell them the same people had written a check to me XXXX weeks prior and there were no issues with it. As a result of that, they have put my account on hold waiting to see if there is going to be a problem with a check that has cleared. I can't pay bills, buy food nor gas and I'm out {$4300.00} of my hard earned funds because of their mistake.
Consumer complaint received 2024-01-16
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: EQUIFAX, INC. (CA)

I have been disputing the following incorrect information on my credit report since XX/XX/XXXX and yet theyre still refusing to delete them from my credit history. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX is still showing up on my XXXX credit report. 

These are very old accounts and should no longer be reflecting on my credit report and my credit reports with XXXX, XXXX, and Equifax are inconsistent. 

I believe this is discrimination against me because I am an XXXXXXXX XXXX XXXX  who is trying to achieve goals that are being hindered due to inconsistency in my credit reporting.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have tried reaching Experian but no one ever answers the phone. There are a few recent inquiries which were allowed that I didnt authorize. These include XXXX XXXX XXXX XXXX on XX/XX/2018 and a XXXX inquiry on XX/XX/2018 please remove these imquiries. Also XXXX I do not have a relationship with XXXX XXXX they have done soft and hard pulls I do not authorize them to look at my credit nor XXXX XXXX please update my file promptly and delete these inquiries
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I contacted this firm in XXXX for a printout on what i owed. They sent me the printout on XX/XX/2019. I made a payment of the entire balance owed according to the printout. I was told that they would be sending me a letter saying the account was satisfied in the mail. I call The Firm after two weeks of not receiving the letter I asked why I wasn't receiving this letter yet and the response to the collector was that I still owe another {$70.00} for court costs. But that wasn't on the spreadsheet that I was sent. He said after I paid that they would send my letter. I find it's ridiculous cuz this date was four years old and I finally got to pay it off just to find out they won more money. I demand that the {$70.00} be taken care of and my letter be sent to me
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

IN XXXX I brought a vehicle from Credit Acceptance Corporation, XXXX XXXX XXXX MI. ( XXXX ) XXXX a pay here buy here place, I put XXXX dollars down on the vehicle. I was then given a vehicle from a family member, I called the Car place to return the truck, it wasn't even a week .They came and got the truck. I received letters months later, that the truck was sold at an auction for XXXX dollars. It was a balance they say I owe of XXXX. I am not agreeing with this balance after I turned the truck back to them. I am trying to get this repossession off my credit .It was not an repossession. When I reached to the company on XX/XX/XXXX they want me to settle for XXXX cents.I would not take that.Im trying to purchase a home.
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Smith and Debnam for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.
Consumer complaint received 2023-05-10
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. (PA)

fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-23
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. (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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I file a dispute 2 months ago to bank of america for fraud. Even ask for a reconsideration. I've send supporting documents and still haven't been able to get reburist for my funds. I've call everyday and been getting the same answer still pending. I was in XXXX and someone use my funds. They are giving me the run around and I'm about to lose my house over lack of funds and that not cool.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-17
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. (FL)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I had a credit card account with America first credit union and the account has been closed for years. I completed a XXXX  XXXX bk in 2018 and was showing closed but now as of yesterday the account is still showing as open. Called the bank and they said it shows as closed and to reach out to credit reporting.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (IL)

Case Number XXXX was closed simply because the company responded. However the company did respond, yet they were false in their promises just as they were in my initial complaint against the company. I received a response from a Ms XXXX XXXX, who stated that if I needed a payment date change to contact XXXX XXXX. On XX/XX/2019 I contacted Mr XXXX to do just that, with no response back, so on XX/XX/XXXX I emailed Ms XXXX in Regards to Mr XXXX not calling me back and Finally he did on XX/XX/2019 stating that he would change my payment date from the XX/XX/XXXX to the XX/XX/2019. To this day of XX/XX/2019 My date has not been changed. I have reached out to Mr XXXX a total of two times Friday XX/XX/XXXX and today XX/XX/XXXX to resolve this matter as well as Ms XXXX who is on vacation until the XX/XX/XXXX. On that conversation with Mr XXXX I informed him that I would not be able to make the XX/XX/XXXX payment until XX/XX/XXXX. He said that would be fine as I am changing the due date to the XXXX of each Month. The company is shamming me, and now I will have another late payment on my report due to their lies!!!!
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

My Torrid card was used in XX/XX/2023 for an amount of {$88.00}. This charge appeared on my XX/XX/2023 statement due XX/XX/XXXX. The payment was made in full on time and the account was subsequently closed. I received by both email and US Mail a letter stating the account had been closed and had a XXXX balance. A few days later, I received another statement with a {$28.00} balance. After reviewing the statement, it showed they charged a late fee on XX/XX/XXXX, yet I had a letter dated XX/XX/XXXX that the account balance was XXXX. I assumed this was some sort of glitch until this month ( XXXX ), I received another bill now totaling {$57.00}. Again, after reviewing, it was noticed that another {$28.00} late fee had been charged and {$1.00} " minimum interest '' ( interest on a late fee and a late fee on a late fee on a XXXX balance ). At this point I placed a call about this and was told they didn't apply my payment until XX/XX/XXXX and this set off the cycle of fees and interest. I was also told that none of this could be reversed because the account was closed so I either pay the fees and interest or it will be reflected as late paid on my credit bureaus. This sounds like extortion to me. Again, I have a letter dated XX/XX/XXXX from them that stated I have a XXXX balance and the account was closed. How can I have a letter dated XX/XX/XXXX showing a XXXX balance if a fee was charged XX/XX/XXXX?
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

My PayPal account is registered under the email address XXXX. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$9600.00} ; XXXX XXXXXXXX Balance Owed : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-12-19
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. (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. 

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 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SunTx Capital Partners (AR)

Freedom Truck Finance charges off my account while XXXX ; three years later they are showing the account open with an inflated balance not taking into account the resale. Basically they are defrauding the IRS by taking the deduction for the charge-off XXXX  and carrying an open unpaid account for XXXX showing total balance due, amount of payment for the month and account past due for over 180 days impacting my ability to progress in life severely on all credit bureaus! XXXX XXXX  is doing the same thing too!
Consumer complaint received 2023-11-17
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. (CA)

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (RI)

XXXX XXXX XXXX XXXX has sent an amount of XXXX to collections. 
-Transworld Systems Inc. is the debt collector. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed a medical service for my doctor 's office. 
XXXXThey were never accepted by health insurance so they would try to bill XXXX  for thousands of dollars and XXXX  would send me checks for a much smaller amount that I would endorse and send to XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX always accepted the checks as payment. If I spoke with them on the phone they would take whatever amount XXXX  offered. 
XXXXThey never sent me a bill directly in 5+ years of my doctor using their services. 
-As of XX/XX/2023 my doctor terminated his relationship with XXXX XXXX XXXX XXXX XXXX 
-Since then they have started sending all of his patients already settled accounts to collections. 
-I received notice of the debt via email from Transworld Systems Inc XXXX I have never given them or XXXX XXXX XXXX XXXX my email address. 
-The notice states that I now owe XXXX as of XX/XX/XXXX due to interest totaling XXXX since XX/XX/2023. 
-They have also never sent me any documentation about what services I owe them money for. 
-A search on the internet quickly returns the same experience by many other patients being harassed by XXXX XXXXXXXX XXXX XXXX and Transworld Systems Inc XXXX 
-I have disputed the full amount, requested validations details, both online and in written form.