davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (PA)

There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L.

115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXXXXXX XXXX XXXX {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-09-07
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: BARCLAYS BANK DELAWARE (AZ)

I do not recognize or authorize these inquiries.

pursuant to 28 USC 1746 ( 1 ) I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/2021. 
XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXXXXXX Apartment complex XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single family
Consumer complaint received 2023-03-15
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. (NY)

last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the XXXX Data Beach because i received a letter in the mail from XXXX letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.
Consumer complaint received 2023-02-12
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. (IL)

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. 

Account name : # 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 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 2021-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from experian and XXXX
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

master card let my sister tranfer money off my card to her bank ( CHASE ) without me knowing for XXXX XXXX i told them but master card refuse to investegate ... my sister made her transition ( XXXX XXXX ) 5 months ago..and they still harass me ... can you help me.
Consumer complaint received 2023-05-15
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AC AutoPay LLC, Denver, CO Branch (NY)

I had filled out an application with Autopay XXXX XXXXXXXX to get a car loan however when I called them 7 minutes after my application had gone through and one lender already denied me. I spoke to XXXX and he gave me two options : That he could take my application out of the system or to just allow my application to go through to other lenders and they would discuss further options. I opted to have my application taken out of the system. That's when XXXX had told me that he could send my application to customer decline offer and I would no longer receive phone calls and nothing else on my application. This morning another inquiry was made on account from XXXX XXXX, which could only have resulted from my application with Autopay XXXX XXXX, and lowered my credit score in the process.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (FL)

Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!
Consumer complaint received 2020-06-09
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. (MI)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2020-06-09
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. (MI)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX I made a vehicle purchase and was laid off from my job. I informed Santander of the situation and was subsequently offered a deferment. A couple days after the deferment was offered and accepted my car was repossessed by santander who then claimed that they did not offer deferments. in XXXX the account was sold to XXXX In XXXX my credit report showed both XXXX  and santander repossession which stopped me from obtaining loans and affordable interest rates. I have been attempting to rebuild my credit but have been unable to due to the constant refreshing of this debt by santander. The FCRA proved me the opportunity to rebuild and re establish my credit with out impairment from fraudulent claims by past lenders. at this time, at XXXX is reporting a repo from XXXX when I contacted them on XX/XX/XXXX and I was informed that there were no records of my account. I asked santander to remove my account since they were unable to provide me with the accurate information. my birth date is XX/XX/XXXX and my last four of the ss are # XXXX ( for accuracy and account lookup )
Consumer complaint received 2023-05-15
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. (CA)

Consider this complaint as a follow-up to my prior complaint dated XX/XX/XXXX, that contains disputed items that came about to be fraudulent, Please remove the items for they are causing damage to my scores and files in my credit report, Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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 (MI)

A one day late payment occurred due to a critical family emergency. Not a 30 day late, just 1 day late. I paid the monthly payment. A late was added to my account and Barclays lowered my credit limit by {$1500.00}. Which lowered my overall credit and raised my debt to credit ratio and lowered my credit score. Once they added the late fee all the other steps they took against me are illegal. They raised my credit limit without my permission and lowered it all in less than a year.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (NY)

For a year of working hard paying my bills to improve my credit score on XXXX I noticed multiple alerts from my XXXX account someone has my Social Security number for The dark web. 
On XX/XX/XXXX I got an alert stating that my transfusion credit report dropped by over XXXX points and it was due to a company by the name of Commonwealth finance in Pennsylvania put a collection balance on my report in amount of {$300.00}. I proceeded to contact the number on my report to find out it was a collection agency stating that this was a balance from 2015 from a hospital visit which was not my account and is completely incorrect. She was rude disrespectful and will not provide me with some type of proof that this was legitimate I did a little bit of research online this company seems like it does this to consumers and when you go online they actually have a service to take the information off of your credit report for a fee and its the same company as the outfit that is the Collection agency commonwealth finance that put the information on my report, this agency which completely looks like a scam Multiple complaints online. Ive reached out to transfusion and I submitted a
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION (GA)

OnXX/XX/2019, I went into a BB & T bank, went into the lobby of the bank, at XXXX XXXX XXXX, XXXX, GA, XXXX, met with a teller and did three things : I ordered checks for my mother and me on our joint account ; I made a deposit of almost {$2000.00} into our joint savings ; and I bought some temporary checks. Mother, XXXX XXXX XXXX, had just about run out of checks and had more bills to pay. ( She is not on bill pay and not sure she trusts it, and does not trust paying bills over the phone w her debit card. ) On XXXX XXXX, I contacted the bank online to ask where the checks were in the system. And last Friday, onXX/XX/2019, I went back into the bank in desperation to see what had happened. The manager, XXXX XXXX, told me the checks had not been ordered. The teller told him I had not ordered checks. I ask them why they thought I would be buying temporary check and also checking online about the checks ' status if I had not ordered them. It makes no sense at all. The manager was rude to me and refused to give me more temporary checks or expedite checks to me quickly ; he would not pay the fees on those. He was rude and obnoxious to me and said he believed the teller, XXXX, instead of methat I had not ordered the checks in person on XXXX XXXX. He is at XXXX. It was the rudest exchange I have ever had with a bank employee in my life.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was notified through my email that I was signed up for online banking through bank of america. I do not have an account with Bank of America and called their Fraud line. The account was An Application for a checking account using my maiden name. The application was flagged for their review. And I placed a freeze through the check 's system.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Consumer complaint received 2020-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

Purchased jewelry, we returned to the store due to the jewelry breaking, merchandise was returned and balance was XXXX. Now 6 years later it is affecting my credit score, collection agency is refusing to remove it without this documentation even though XXXX XXXX agreed to remove it.
Consumer complaint received 2022-01-29
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 (AL)

Got a letter from apple recovery service saying they are collecting for credit acceptance corporation for the amount of XXXX dollars. I have not never bought a car or anything else for anything close to That amount of money I did not make this loan or any other loan for this amount. This is a fraud or they got the wrong person
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX my account was charged {$400.00} as a XXXX XXXX XXXX transaction that wasnt me. I called the bank and they said it has to post so i waited. i checked later that night and it was reversed so my balance was back to normal. Then on the XXXX they tried another {$400.00} transaction with the same name and it went through. So now my account is overdrawn {$400.00}
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

HI, I do not recognize these inquires on my credit reports on TransUnion I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.F. COLLECTION CORP. (NY)

XXXX  membership canceled due to breach of contract. All supporting documents sent to attorney representing XXXX. Collection agency deleted first dispute, and resubmitted another dispute for the same issue/amount. Dispute currently under investigation by XXXX, XXXX. My credit was in good standing for 20 years until DBF Collection agency dispute. I have recently been denied credit which otherwise would have been approved.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Bank has placed HSBC XXXX account a freeze and is requiring customer to visit a branch. The account is an HSBC XXXX account opened online and the customer has never been to a branch. 

The closest bank branch is over 300 miles away from the customer 's residence and the customer is unwilling to travel 300 miles to present his ID at a bank that opened multiple accounts for him online.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC (TN)

I am writing to bring to your attention a serious matter involving the unauthorized disclosure of my personal information. I recently became aware that Wakefield and Associates sent confidential information about my account to a phone number that does not belong to me. Wakefield and associates has sent text messages to a prior number that is my ex significant other now number. This incident raises significant concerns about the handling of my private data and constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA