davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
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. (NY)

I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX. I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Consumer complaint received 2022-05-29
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: SYNCHRONY FINANCIAL (TX)

I approved one company to do a credit check and have had it do multiple inquiries on my credit as well as third party that I have not approved and not directly signed up for. I have been working so hard on my credit just gor it to be hurt by all of these people checking my credit when I don't want them to. I have disputed them and they just keep showing up.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

This company fraudulently sued me for old credit card debt in the wrong jurisdiction. They were sending mail and legal documents to an address that is not mine, but that of my bosses HOME address in OREGON. She " returned to sender '' everything, because I do not live there. 

XX/XX/XXXX I received an entry of judgement from the XXXX XXXX court house. My boss brought me the letter because she thought it was important. It was an entry of judgement and a lien put on my property because I didn't respond to the lawsuit. This company didn't even give me a fighting chance to respond, not only that, they sued me in the wrong jurisdiction. I live in Idaho, the lawsuit went through Oregon. 
I immediately called the courthouse, they gave me the phone number to the " lawyer '' and I called. This is a call center. I spoke with a XXXX the first time I called. He couldn't tell me why they were sending communications to an address that is not mine. I asked him several times, couldn't get an answer. 
I called back a second time that day and spoke with XXXX. She informed me the suit was XXXX XXXX XXXX for Comenity Bank. Couldn't give me dates on when debt was from. I asked for a settlement offer, to get this taken care of because these people now have a judgement wrongfully against me and I don't have money for a lawyer to fight this. Settlement offer is for XXXX. 
I called today, XX/XX/2024, to pay the settlement in full. I spoke with XXXX again. He took my routing and account information for payment in the amount of XXXX. He could not give me a confirmation number but said a letter would be sent to me. I then asked him when the court would receive satisfaction of judgement and the release of lien, he couldn't answer that with confidence, either. 
These people knowingly sent correspondence to a wrong address just so they could take it to court and win a judgement against me because they knew I wouldn't receive it. This is fraud!! They gave me no fighting chance to even respond to anything!
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I received a notice from XXXX XXXX XXXX XXXX XXXX today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
Consumer complaint received 2022-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I ran my credit report and discovered multiple accounts showing medical debts. I mailed off a letter requesting debt validation within 30 days to the collection agency on XX/XX/2022. I spoke with the agency via telephone in late XXXX and was advised they received my written request. They failed to send any validation of debts. I again mailed off a letter certified on XX/XX/2022 requesting debt validation within 15 days. The letter was received on XX/XX/2022. The XXXX agency has once again failed to provide debt validation. The USPS tracking number is XXXX.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an issue regarding the reversal of a bank transaction and the freezing of my account, which has caused significant inconvenience and financial strain on my life. 

Recently, I sold a bed frame and mattress. The buyer came to pick up the item in person and paid me a deposit of {$200.00} on XX/XX/XXXX, later {$1000.00} on XX/XX/XXXX, and a total of {$1200.00} using XXXX. She paid the deposit at that time, I was not aware of any risks involved and confirmed receipt of the full amount on the day of the transaction, subsequently handing over the bed and mattress to the buyers. 

However, nearly half a month after the transaction on XX/XX/XXXX was completed, I was suddenly notified by the bank that the transaction amount had been withdrawn and my account had been frozen, without any prior notice or inquiry from the bank. Upon contacting the bank for clarification, I was informed that the other party claimed the transfer was not authorized by them, necessitating the reversal of the transaction. Despite my immediate attempts to communicate with the buyers, they denied having requested the bank to reverse the transfer. 

I am deeply troubled and disappointed by the bank 's decision to take action without a thorough investigation. This has not only resulted in the loss of the proceeds from my private sale but also affected my ability to pay for next month 's rent and living expenses, significantly impacting my life. 

I am extremely dissatisfied with the handling of this matter by the bank, especially considering my repeated attempts to contact them for a resolution, to no avail. I hereby kindly request your intervention in this matter to investigate the authenticity of this transaction and assist me in recovering the erroneously withdrawn funds. 

Thank you for your time and assistance. I look forward to your reply and hope for a swift resolution to this issue.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Executive Financial Consultants, Inc (FL)

I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my XXXX CB, I received response from XXXX that this account was verified as accurate and updated.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid 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: U.S. BANCORP (NM)

I made a purchase on line to a trial merchant the items was eye cream & Face cream. the items did not work out and I called and canceled with in their time frame that was given to the costumer, their was to only be a charge for shipping of each item through the same company but separate shipping cost. One was {$4.00} and the other was {$5.00} but after I had canceled they must have immediately shipped out more product and when that was delivered to my address I checked my credit card charges on line and discovered They charged to my Visa credit card through U.S.Bank {$89.00} & {$86.00} for the initial shipment pulse {$92.00} that I had received on  XX/XX/XXXX . I called the company and told them I had called and canceled within their time frame and should not have been charged, and that they had sent out & charged another fee of {$92.00}. I then called the U.S.Bank visa credit card company and explained it all and said I was disputing the charges & I 'm fighting the credit card.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has XXXX 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
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (FL)

My ex husband forged my name On a lease for an apartment complex to get a lease on apartment after we broke up and got divorced. I was living since XX/XX/2018 with XXXX XXXX ( now my husband ) at XXXX XXXX XXXX XXXX Fl XXXX. Can verify this XXXX. The credit bureau removed it once and then have added it back, and I keep disputing it, but they will not remove it. NATIONAL CREDIT SYSTEMS has no authority to post a collection. They never sued me or brought any civil action ( which I would have gladly defended myself and won in a courtroom ) so they can not just add a collection and RUIN my Credit just because they feel like it. They have NO judgement or Lien against me. PLEASE make them remove this. It is hurting me trying to buy a car, or buy a home. My signature appears NOWHERE because I signed nothing. PLEASE HELP ME.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One
Consumer complaint received 2023-03-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balance {$360000.00} ; XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX Balance {$360000.00}.
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Back in XX/XX/XXXX I paid off the entire balance I had on my Amazon card synchrony Bank, in XXXX I was charged a late fee, I called synchrony bank and they told me I put a stop payment on my automatic payment that runs thru XXXX XXXX checking, I explained to the operator and she asked me to call XXXX XXXX and correct the issue, I did call XXXX  and spent several hours with them and they didnt find any issues blocking automatic payment to synchrony bank, today I ran into the same issue synchrony is trying to collect late fees for the account, reported to my XXXX XXXXXXXX credit report and deducted from XXXX to XXXX, they are looking to collect late fees and said can not remove them from the account, today XX/XX/XXXX spoke with XXXX XXXX No operator number, extension number, or last name, refused to correct the account and said I put stop payment to my automated payments theres nothing she can do. I never put stop payment on my account! To prove it while I was on the phone with her I sent {$150.00} and she confirmed the payment was made, so I just want to straighten this up and recover my credit score remove any late fees and delete bad record in my credit report ( s ) clearly some glitch in their system is rejecting my auto pay, and they blame it on my and my bank while my credit score is being affected by their reporting and today i found out they are closing my credit account, i didnt do anything wrong, just pay loyalty and this bank is punishing me and my credit score for their failure to fix the issue.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I have federal loans out for my son that were put into auto deferment during Covid, in the meantime the loan changed its owner to nelnet that we could not identify and then did not update our mailing address when we moved in 2021. We are behind because the loan company did not inform us that it restarted XXXX that the loan was bought by someone else. It also did not have our new mailing address. I need this delinquency removed from my credit report.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I called the bank about getting access to my debit card so I can use it to purchase things. I got told I didnt have access to my account due to my account being overdrafted. I then went through the bank process and was told that once I paid the overdraft I would immediately have access to my cards. I paid the overdraft fee and then almost immediately after I was locked out of my account again and hung up on by the bank. I called the bank back only to be told that it would be XXXX hours before I had access again. I got transferred to another department where I was told my account was coded in a way where my account was being closed. After spending over XXXX hours on the phone it took them that long to tell me my account was being closed after still having paid the overdraft
Consumer complaint received 2022-05-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-05-29
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. (TN)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX ( Date Opened : ( insert date ), Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-08-18
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: CL Holdings LLC (VA)

I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I opened a TD BANK N.A. checkings account on XX/XX/2022 ending in XXXX, as a consumer pursuant 15 U.S.C. 1692a ( 3 ). i received TD BANK N.A. banking access card and TD BANK N.A. checks with my Autograph. I attempted to create a online TD BANK N.A. account on XXXX XXXX, but was denied access due to a said fraud alert. Upon learning this I mailed a letter out to the C.F.O of TD BANK N.A. on XX/XX/2022, and TD BANK N.A. has failed to respond through any medium. 
2 ) I have a right to an authenticated record of accounting. I am is not requesting a statement of account, the i am is requesting for an authenticated record of the accounting. I am hereby disputing the alleged debt, and to require that TD BANK N.A. provides the requested information within the time allotted by law, which is fourteen calendar-days.

ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXXXXXX {$540.00},, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these were settled years ago but change and sold to several other companies. Delete ASAP
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I had a credit card balance of {$5500.00} with Citibank, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to Citi. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on XXXX and it shows that I still owe a balance of {$2200.00} to Citi. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " XXXX  credit report - Citi bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.