davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX  Inqiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/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 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (FL)

I setup automatic payments for my son 's preschool with Ally bank. Ally, through a third party company, would mail a check directly to the preschool and debit my account. In late XXXX, the check for XXXX 's tuition was stolen and cashed by an unknown person. I have tried to get reimbursed for these funds as I had to write a second check to the preschool for tuition. For six months, Ally has given me the runaround and provided no solutions, and has yet to reimburse the {$180.00} ( although they said they would ). Ally has also been unable or unwilling to provide me with an image of the check that was cashed, despite numerous requests. I have contacted customer service, Ally 's fraud department and even reached out to a senior executive ( who was initially helpful, but still no progress ). Any help would be greatly appreciated.
Consumer complaint received 2020-03-11
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)

Although I have shown Transunion that XXXX was unable to validate the {$4900.00} balance, Transunion continues to report this unvalidated information on my credit report.
Consumer complaint received 2020-03-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We sold our home and closed the first mortgage and HELOC with Bank of America on XX/XX/2020. The title company overpaid the HELOC by {$630.00} from our sales proceeds. Bank of America advised me on XX/XX/2020 that I would be receiving a live check for the overpayment in 5-7 business days. 

It is now XX/XX/2020, and XXXX XXXX from Bank of America assured me that my refund check is en route. As of XX/XX/2020, eight ( 8 ) business days since the close, my refund check has not been received. Bank of America is unfairly holding on to my money and has been deceptive with their communications, stating via email and on phone calls that my refund due would be back in hand in 5-7 business days. 

My HELOC was paid monthly and 100 % on time every month. Bank of America automatically withdrew funds to pay the HELOC from our checking account at Bank of America. Instead of refunding the overpayment to the same checking account, Bank of America unilaterally elected to mail a live check. This act appears to be to the benefit of the bank continuing to earn interest on my money and similarly depriving me of access to my funds.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have two loans that qualify for PSLF, but only one loan was actually discharged while the other still continues to accrue interest. No explanation was provided by MOHELA. 

When I called MOHELA and navigated the company 's automated phone menu, the system reported that I submitted my PSLF form on XX/XX/XXXX when I actually submitted it on XX/XX/XXXX. I tried to select the option to speak to a representative, but the automated phone system just sent me in a loop back to the main phone menu.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

*** This is basically a duplicate of the one filed a couple minutes ago on my checking account, I'm just filing the same thing on the savings account so they can refund/close it too *** On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went!

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (AZ)

So the incident occurred in XXXX of XXXX  when my identity was stolen and there was a {$700.00} charge or something at a XXXX in Arizona so basically the whole credit limit was used in XXXX transaction. I spoke to the card company aspire and they took it off of my record and found that it was fraudulent. Well since then they have brought it back up XXXX separate times causing me to lose and I placed to live my XXXX XXXX everything. They lie about when the purchase was to happen I want a receipt of the purchase and I want video because this is absurd and an harassment
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (KS)

My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.
Consumer complaint received 2022-09-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit 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 XX/XX/XXXX 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
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (LA)

I have a negative collection on my credit report for a medical debt totaling {$1500.00}. I contented ARC Management the collections agency listed and requested the origin of the debt and if it was ever filed with medical insurance. They wouldnt or could not give me an answer. Instead I was routed through two additional debt collection companies before I was finally informed that insurance had in fact paid and the amount owed was in fact {$290.00} and they can not explain or comprehend where ARC management got this outrageous amount from or why it was not removed from my report as it was routed through two other collections agencies. This entire time I have been being penalized with my credit score due to their incompetence and ineptitude.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (MD)

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Bay Area Receivables and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please remove this account from all XXXX credit bureaus until adequate validation has been received proven that the account belongs to me, and all information is correct.
Consumer complaint received 2020-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Meridian Buyer’s Group (TN)

I had bought a XXXX XXXX XXXX and it had an extended warranty and within day three the check engine light came on the warranty never was picked up I Kept calling the warranty people and they never helped the alternator went out so I took it to XXXX And we needed a new alternator and they wouldnt pay for it but that wasnt the only time it broke down
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX we were notified by Bank of America ( BA ) that our XX/XX/XXXX payment of {$200.00} was past due. Surprised that this is a routine automatic transfer which has worked well up until this point, we called BA and were informed that our transfer information which is hardwired into our account was missing, thus XXXX XXXX had no place to send the money. We did not know this. We immediately paid them the past due amount by phone, were refunded the late charge, interest on the same and agreed to increase the payment to {$300.00} due on XX/XX/XXXX. Today I opened the XXXX XXXX banking account to note TWO payments of {$300.00} were transferred to BA and indeed, two {$300.00} payments were posted by BA. Now I am NOT pleased. So today, they agree to reverse the second payment of {$300.00}. Starting with their IT department, these people are business-inept. I am now an ANGRY CUSTOMER. I request official address of their incompetent business practices and an apology from their CEO in XXXX acknowledging their IT people are unethical and unprofessional, deserving of counseling and termination. This is absolutely unacceptable. There is a trend here. Thank you for your help.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I opened a non-targeted Citi Bank checking and saving account combo on XX/XX/2018 because they have an ongoing promotion of {$400.00} to new customers who deposit more than {$15000.00} in new money. I deposited {$1500.00} on XX/XX/2018 and {$15000.00} on XX/XX/2018. I maintained at least {$15000.00} throughout the time with Citibank in order to get the promotion. Citibank has tendency of deceit and bait and switch on these marketing tactics. I have chatted with the customer service representatives many times on the bonus, and all of them informed me that I would get the {$400.00} by XX/XX/2018. You can see the attached screenshot. However, when I contacted Citibank on XX/XX/2018, they said that I did not qualify for the promotion, despite the fact that this is still an ongoing promotion on their website : https : //banking.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (KY)

I don't know anything about this debt from security credit service.the location is XXXX XXXX did not receive any money from this company and I did not sign any contract.i want this removed from my credit report.thank you.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC (KS)

RSH & Associates and XXXX XXXXXXXX will both not stop calling me despite me putting my number on the Do Not Call registry and blocking both of their numbers. XXXX from RSH repeatedly calls me from several numbers despite me telling him to stop, and that I keep blocking his numbers. He acknowledges this and keeps calling me all hours of the day for months on end.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b , Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX  XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


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 2024-03-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Recovery Services, Inc. (NY)

My complain is that financial recovery services inc address XXXX XXXX XXXX XXXX XXXX XXXXXXXX there phone is XXXX XXXX tge first frs file number is XXXX it charge off XXXX  the debt is from XXXX credit card and the second debt file number is XXXX that charge off XXXX, XXXX the debt is from XXXX what XXXX collwction agencey is trying to do is plannig to share my in d ormation to a third party planning to filed a civil judgement gor a very old crwdit card debt from XXXX. I, have a letter saying that thwy will not sue me because of the statue of limitatios but what, thwir doing illegal is trying to filed a lein or judgement to tryiny to sue this way and keep harrassing me
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.