davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXX/XX/XXXX - HAS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-02-02
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: TD BANK US HOLDING COMPANY (FL)

Contacted TDBank to inquire as to why there was a credit pull on my report, they had not knowledge of this being done or my information. But for this i took a XXXX point hit for no reason. I then contacted XXXX to file a dispute. This is currently be looked after. I will know within 72 hours.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I already complained on Bank Of America, XXXX XXXX XXXX XXXX Its been 2 weeks still I didn't get any response from them. because of this I am not able to take Mortgage loan for a house even I can afford, Please try to fix this as soon as possible, Thanks in advance!! 

Complaint ID : XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP (CA)

I received mail from my XXXX  that the law firm Kenosian and Miele, LLP attempted to garnish wages. The first time I contacted this law firm after receiving the documents from my employer I was told by their representative/employee XXXX XXXX that I had been sued by them for a past debt that I owed to XXXX XXXX XXXX  XXXX I was told that this past debt was in the amount of XXXX, XXXX this was supposedly from XXXX according to XXXX XXXX. The amount that Kenodian and Miele, LLP has obtained a judgement against me for was XXXX dollars. According to XXXX XXXX the dept that I owe has become this high due to interest and fees accrued. Who added these additional fees and interest is unclear to me. XXXX XXXX XXXX  is no longer in business. I attempted to contact XXXX myself to make sure that I actually owe them a dept and the number is no longer in service.This is the information where I attempted to contact XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX. 
Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Web site : XXXX XXXX XXXX Now remember Kenosian and Miele, LLP is claiming that I owe them money based on an old credit card from XXXX. XXXX was sold to XXXX  XXXX in XXXX of XXXX. According to the XXXX XXXX Superior Court website Kenodian & Miele, LLP filed a judgement against me in XXXX. This was the first filing I guess. They have been filing ever since for a total of 17 years!!! Each time adding fees and " interest '' on a debt I don't even owe. It gets even better because XXXX themselves even lost a class action suit for unethical financial practices and had to pay their consumers about XXXX XXXX dollars total. So maybe XXXX actually owes me a check if this debt is real? 
So today ( XX/XX/XXXX ) I contacted Kenosian and Miele, LLP to gather more information about the so-called dept that I owed. I spoke with one of their representatives by the name of XXXX. She declined to give me her last name stating " I am the only XXXX in the office ''. She reports that I now owe them XXXX, XXXX and they will be attempting to collect this debt by attempting to garnish my wages, or levy my bank account. She did not tell me the amount of the original dept, and maybe was not aware that XXXX no longer exist, and was actually sued in a class action suit. She did claim however that they are collecting on the behalf of XXXX XXXX XXXX XXXX -- I am unable to find contact information on this agency. When doing online research about Kenosian & Milele, LLP I found that I am not the only victim of their scams, they have done this to several other consumers and was even sued and lost to a consumer in XXXX. 
I can only imagine the emotional and financial damage and stress this " law firm '' has caused its victims.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

My credit card bill did not make sense. I called and spoke to a representative who said it would be " reconciled ''. I did not hear back. I have now called 8 times, and still have no explanation. The representative today said the case was closed but I have no explanation, no idea what has happened - nor did he.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

I wont a letter simply saying in XXXX, say 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Aldous & Associates, PLLC (AZ)

This is just a follow of with the company with the eviction notion the company asked for more detailed information. The eviction is from XXXX XXXX XXXX XXXX in XXXX Indiana. This currently has me homeless because it has a false eviction on my credit and every apartment is denying me because of this eviction
Consumer complaint received 2023-02-28
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00}
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

I wont a letter simply saying in XXXX, say 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America credit card charge me very high interest every month in addition to my monthly payments {$400.00} to this credit they makes me broken. 
Every month the bank take {$230.00} as interest. My score was XXXX and now became XXXX because of this interest I can't continue paying this amount. 
So I need to fix this problem.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

I signed a contract with Level One Law in XXXX First payment was XX/XX/2022 of XXXX XXXX a month. I made 5 payments of XXXX. Totaling XXXX. They said I had 30 days to get a full refund I did not see that in the contract. Besides what I have been told they can not use my funds except for a settlement and no settlement was ever reached. One time they told me fees would be paid in XXXX another time XXXX of XXXX. I know if you they reach a settlement they can deduct their fees for that settlement. But nothing more and as stated earlier no settlement was ever reach
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (IA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

I am part of the XXXXXXXX XXXX XXXXXXXX case. My student loans have been forgiven for XXXX  XXXX XXXX however, as part of this lawsuit, I should receive a refund for the payments that I made towards specific loans from XXXX XXXX XXXXXXXX according to my calculations that refund should be around {$1600.00}. I have not received that refund. I have reached out to my loan servicer as well as the department of education and.Borrowers defense And have gotten no responses this process was originally supposed to be done by XX/XX/2024 2024
Consumer complaint received 2022-10-28
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. (MO)

I am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX  is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.
Consumer complaint received 2023-07-05
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. (PA)

In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc. (WA)

On XXXX, I wired {$990.00} from my chase bank account ending with XXXX to my checking account in XXXX XXXX XXXX XXXX XXXX 
I checked with the associate 24hrs later to figure out why the funds were not available in my account in XXXX and the associate confirm the delivery of the funds. However, the associate asked me to wait another 24 hrs for the funds to be reflected in my account. 
I called 48 hrs and the funds were still delivered and reflected in my account. The associate still confirmed the same story and asked me to wait couple more days. 
3 weeks later, I inquired about the funds again and the associate asked me to provide my bank statement to check if the funds were not delivered to my account in XXXX. I attached my bank statement to associate ( Taptap send payment ) email proving the wire was not delivered. The associate promised to investigate the issue and involve the management team. 
On XXXX I received an email from TapTap send indicating they will not refund the wire and that they have received information from their partners confirming the delivery of the funds. 
Till today, the funds were not delivered nor did I receive a refund for my funds. 
I feel like my money was stolen from me. This company has so money bad reviews about similar problems where recipients never receive their money. They should be investigate for fraud and completely out of business!
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

To CBE Group Inc. Date : XX/XX/2023 XXXX XXXX  XXXX XXXX IA. XXXX On XX/XX/2023, I requested Information from your company to which you were not able to provide within a thirty-day period. You attempted to circumvent my request by addressing your response to my wife, XXXX XXXX, when I alone XXXX XXXX, was the one who initially wrote the request. 

Your Collection company, verbally claimed to me, to have been given my IRS account by the IRS. By law, IRS selling or relinquishing my account to a collection agency releases their authority to collect funds form said client ( s ). The Collection agency ( CBE ) must provide any, and all legal information pertaining to the said clients account upon request. Your company failed to provide any valid information from your company in reference to the account in question. 

Anyone could find out who owes money to the IRS and claim to be an entity to collect said funds ( if they have the skill set to do so ) IRS data base has been breached before, so the publics information is not secure as it should be. 

IRS never provided me with a name of the any company as being a company authorized to collect said funds on their behalf or as the entity, they have sold the account to for collections. 

Note : I was making monthly installment payments to IRS through my XXXX XXXX account when IRS stopped receiving the payments. In my attempt to contact IRS via a personal interview there were no local interviews available in the XXXX area resulting in me having to drive three hours away from my home to XXXX XXXX, to have a face-to-face review of my account. I was set up to interview with an older lady that could not answer any questions, nor did she know how to access the information requested. I asked to see a supervisor because she could not answer any question. She stated there wasnt a supervisor on grounds and that I would have to reschedule. She was completely incompetent to working the position and could not help me to understand the reason for the charges incurred on the account. IRS makes it so difficult to contact them to get an understanding of accounts to the point that people cant get their questions answered. Yet the people are held to IRS statement regardless of IRS being right or the customer. IRS will delay the people on purpose while charging them for those delays which is so unfair. 

I am requesting the removal of all accounts baring my name and XXXX XXXX name from your accounts/ legers. I am also requesting no reporting to any credit reporting agency of this none- collectable account. 

I will also send a copy of this letter to the Federal Trade Commission, Consumer Financial Protection Bureau, and the State Attorney General Office.
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have been dealing with this since last year. I have paid approximately XXXX since XX/XX/year>. I emailed them, but received no response. I tried calling them and after three phone calls and being on hold for 4 hours I finally reached someone that told me it was because I had been put on the Save Plan and that they would correct it. Several more emails and phone calls when this was not the case. Finally got through again for someone to tell me it would take 2-3 months to correct which is ridiculous. Still I have been paying and selecting to move my payment date forward for all except one of my payments and still every month it says I have a payment. I emailed them again and received a response asking for the dates I made payments that should have moved the payment dates forward. I sent them a screenshot and then received a response back stating that it was not easy to communicate over email and that I needed to call them. I am at my wits end with this company. On XX/XX/XXXX I received an email stating I was put in Administrative Forbearance due to all the issues, but the table they sent I don't understand and I CONTINUE to have an amount due every month.