davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CATHAY BANK (CA)

On XX/XX/XXXX, I met with XXXX XXXX XXXX, the Assistant to the Vice President & Branch Manager ( XXXX XXXX  XXXX ) of Cathay Bank, at the XXXX XXXX XXXX, formerly a tea house. 
He expressed his unease with his colleagues due to their illicit conduct, leading to his resignation from the bank. He advised me to move the assets linked to the aforementioned XXXX CDs from Cathay Bank to XXXX XXXX XXXX for more favorable terms. 

XXXX conveyed instructions to me through written correspondence on how to approach the withdrawal of funds from Cathay Bank. The correspondence read as follows : " Hi XXXX, when you go to Cathay bank today. Please don't tell them that you are taking the money to XXXX XXXX XXXX. Thank you Just say you got a better rate with a credit union XXXX XXXX revealed a culture of deception at Cathay Banks XXXX branch, where inaccurate information was provided to clients. Employees were found to be concealing their wrongdoing in their interactions with customers. 

XXXX XXXX disclosed a pattern of deceit prevailing among the staff at Cathay Banks XXXX branch, where erroneous information was being propagated to clientele. The employees habitually masking their misdeeds in their dealings with customers. 
Additionally, XXXX XXXX also highlighted that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both misguided me into forgoing the promotional rate of XXXX XXXX APY for a three-year term on XX/XX/XXXX, when I upgraded the new promotional rate for the XXXX CDs of my family. XXXX XXXX XXXX XXXX informed me that the promotional rate for the XXXX XXXX XXXX of XXXX would be XXXX XXXX APY for three years, and the bank manager, XXXX XXXX XXXX, likewise confirmed the promotional rate for XXXX to be XXXX XXXX for three years. However, they were deceiving me. Because the actual rate for the year XXXX was XXXX XXXX for a single year. 
Cathay Banks XXXX branch has acknowledged about the consumers financial loss due to their faults. But the bank has continued refusing to compensate the damage for their consumers. Cathay Banks investigation is unfair.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX  but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-22
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)

I did not give written instruction to furnish the following experience and payment transaction. 

XXXX XXXX XXXX XXXX  reporting as late These are the laws being violated : Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

Was mailed two garnishments with two different amounts stating that the garnishments were from my county local court offices. When I contacted my local court offices for a date to appear and to resolve the issue my local court stated that they did not have a date or any information for that case #. I also asked my local court why did I receive two garnishments with different amounts and the court representative informed me that the paper work I was speaking of did not come from the courts. I called the attorney that was on the paper work and I formed the attorney of what the court communicated to me that I am only legally obligated to pay what is on the garnishment paper work. Both garnishments had to different amounts and dates. The attorney then informed me to only pay the amount on the second garnishment for the lessor amount even though I received two garnishments on the same day for two different amounts and NOW is trying to collect more than what was on both garnishments stating that interest in incurred daily. I made a payment on XX/XX/XXXX and in less than 9-days there is over {$21.00} in additional interest. My local court office and the garnishment states that I am only suppose to pay the amount on the garnishment paperwork. Also payment receipts mailed to me by the attorney office is not accurate and I can confirm with banking records/documentation and the documentation of payments are not correct from the attorneys office and looks to be altered to favor there practice. 

For example I made a {$500.00} payment on XXXX before noon eastern time and my receipt says I made the payment on XXXX and the statement states the payment was received on XX/XX/XXXX and my bank statement paid the merchant on XX/XX/XXXX.
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2023-10-21
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: PENTAGON FEDERAL CREDIT UNION (FL)

I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, Pentagon Federal credit union. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. XXXX has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.
Consumer complaint received 2023-01-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (MD)

In response from your statement on XX/XX/XXXX. The company GREAT LAKES offer repayment options but they deny being a debt collector, it does not make any sense. In Pursuant 15usc1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The balance in the GREAT LAKES account is a positive balance which means I do not owe anything. For this company is convincing me into paying for something that I do not owe is indirectly collecting a debt which would make this company a debt collector. In pursuant to 15usc 1692 ( a ) abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. This company is being deceptive and unfair because they deny being a debt collection agency but yet they want me the original creditor to pay for an account in a positive balance. In pursuant to 15usc 1681 ( a ) ( 1 ) of congressional findings and statement of purpose states 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 The reason why this is the first statement under the U.S. code of this section is because the law knows the banking system is doing the exact opposite. GREAT LAKES is not using fairness and accurate credit reporting because I am allegedly obligated to pay for something in a positive balance of {$26000.00} which is not accurate nor fair. If I owed a debt the balance would be in a negative balance and it is not only unfair and inaccurate, but it is false and misleading information in pursuant to 15usc 1692e. This is my new evidence and proof. I am demanding this company to zero the balance and I need a response within 15 days.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (OH)

Zwicker and Associates Never provided any information regarding the validity of the debt they are trying to collect. also they are still trying to collect on the debt. They are now trying to sue me in a civil court in XXXX XXXX Ohio. I have a Hearing on XX/XX/2024. I even sent them a follow up letter to be sure they had every opportunity to verify the debt they are trying to collect. Which nothing has been received still and it has been nearly 60+ days since I sent off the first letter for the validation of debt.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (IN)

1. On XX/XX/2023, I opened a checking account at Truist Bank with a deposit of {$50.00} ( page XXXX ). 
2. On XX/XX/2023, Truist sent me a letter stating that my account ( ending XXXX ) was being closed ( page 2 ). I verified that the account was closed because the direct deposit of my salary was returned. 
3. On XX/XX/2023, Truist sent a letter to collect {$52.00} for the overdraft and closing fee ( page XXXX ). This makes no sense because my account was closed on XX/XX/2023. They have not even refunded my initial deposit of {$50.00}.
Consumer complaint received 2022-10-28
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. (OK)

I found a company that I was intersted in, but they wanted to run a credit check and when I asked would it be a hard inquiry I opt out and they still ran my credit without my consent and it keeps showing up every month along with other companies I did not apply for credit for. 
XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score is been reported really low although. I have : -Low utilization of credit cards -Paid off car loan with XXXX XXXX XXXX XXXX Collection account ( XXXX XXXX ) has submitted the account to be deleted. 
- All accounts are current and paid as agreed. 

Based on all these factors, my score on all three Credit Bureaus should be in high XXXX ( XXXX )
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX. 

Federal and state laws have been violated by the attorney, firm, and XXXX XXXX  clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX  charged off account - when in fact I never paid any months payments to charged off account. 

15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

My husband was swayed by the high-pressure marketing strategies with XXXX XXXX XXXX XXXX XXXX He thought that it sounded wonderful and he thought that our XXXX daughter would love to be able to go to different vacation areas. After XXXX set us up with Barclays Bank credit cards to purchase a few " points '', my husband realized that we couldn't afford this and also that the few " points '' were pretty much useless. I knew that we couldn't afford those few points, but he really thought that we could swing it. Shortly afterwards, he realized that we couldn't afford them, but we had already signed papers. After he allowed me to contact XXXX to let them know that we couldn't afford it-especially after he came down with Covid again and wasn't able to work and I had to have XXXX and couldn't work- they released us from the contract. We have the signed documents stating that they released us from the contract, XXXX # XXXX. However, Barclays Bank continues to harass us about paying for something that we don't even own. They call us usually at least two and three times a day and every time that we answer, there is either no one on the line or they hang up. I don't know how to get them to stop calling. We can't afford to hire a lawyer and I know that this is going to mess up our credit. Plus, it is causing so much stress on us, because we always try to pay our bills on time.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NY)

This is my first time contacting you regarding this account. I have viewed my credit reports and noticed a collection account from Aldous is reporting on my reports. I sent them a request for validation on XX/XX/2022 and the tracking number is XXXX XXXX XXXX XXXX XXXX with USPS. As of today I have not received a response or any proof of the alleged debt. I am demanding this account be deleted from my credit reports asap.