davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (VA)

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 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (TX)

I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/2024 Sunrise Credit Services XXXX {$190.00}, XX/XX/2024 XXXX XXXX  - {$1900.00}, XX/XX/2024 XXXX  XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 I have received a phone call from Bank of America for the person asking me are you XXXX XXXX, I said yes he asked me then did you authorize transection from your back account for the amount of XXXX $? I answered no I did not authorize this transaction. He stated that it was a productivity or my event account. And he asked me to open a new account with him over the phone at that point I was unsure of what is going on. I asked him to I got and I will check with the bank. At that time I checked my online bank account and I found that my account was frozen and the money was already moved out. 

Since that time I been calling Bank of America about 3 to 4 hours a day, I never had any communication from Bank of America trying to call me or communicate with me regarding this incident. I had a plain that was submitted a week after the incident, I do not know why he waited for a week from the backside especially I was calling them almost every day. After almost 5 weeks I was able to get a claim number. Throughout the process, it was never easy to reach the right destination of Bank of America, thank you transfer me between departments stating that this is not that her specialty and putting me on hold for about 3 to 4 hours daily. Always received different opinion and all individual based. Almost 5 weeks later, a person from the fraud department advised me to submit a claim on the fraud account. And the first time ever received a communication from Bank of America regarding this issue was mid XXXX when they sent me an email with encrypted letter requiring police report and a list of other documents. I have completed all the list and faxed XX/XX/2022. For now almost 7 weeks and there is no communication from Bank of America with me and the problem is not solved. My money is frozen in the fraud account and I can not use my money at this point. Police report already submitted with all the required documents for the back. My problem is the back not giving me any clear way to communicate with them and even the phone number listed in the letter they sent me, when I called them they say this is the wrong department.
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waterfall Revenue Group (FL)

I was in a car accident on XX/XX/2017 and XXXX XXXX paid all my medical bills. Medical center of XXXX submitted medical claims 2 years after my accident and XXXX said they dont pay claims after 2 years after XX/XX/2017. XXXX XXXX turn the medical debt of XXXX over to Waterfall Revenue Group. I sent an email and chatted to XXXX XXXX about this issue and said XXXX doesnt pay medical claims after 2 years of an accident. I checked my credit report and I now have a collection debt for the medical claim for my XX/XX/2017 accident from Waterfall revenue Group. This medical debt is less than XXXX but it was reported on all XXXX credit reporting agencies.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from XXXX  and Transunion.
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MARINER FINANCE, LLC (FL)

On XXXX, I was in an auto accident when a 30 ft truck backed up over me, in my new XXXX XXXX XXXX I purchased in XX/XX/XXXX. I have a loan against this vehicle with Mariner. I am suffering from XXXX XXXX from the accident including a XXXX XXXX, XXXX XXXX, and several XXXX XXXX. Not knowing what my financial situation was going to be not being able to work, because my accident, I paid {$10.00} for my loan for the month of XXXX. When I spoke to the branch manager, I explained that I would go online and make a payment every week my child support came in, and that I was unable to pay in full that day we spoke because my payments are contingent to my child support. The branch manager XXXX XXXX, stated " you will not have access to make any partial payments online because you are pass due ''. He demanded payment over the phone multiple times. I patiently continued to explain that because I can't work, I need to wait until my child support comes in to make a full payment. Mr. XXXX refused to work with me. I have been getting a loan from this company for 4 years if not longer. Even before when it was XXXX and then bought out by Mariner. I have an impeccable payment record. I paid every single month my loan was due, except maybe once or twice in all these years. Mr. XXXX is not open to deferring my XXXX payment, or any other agreement, despite my loosing my work income. Mariner Finance, Mr. XXXX has been calling my phone almost every day despite that I told him I would call on the last day of XXXX and make a payment by phone, since consumers are NOT allowed to make partial payments via their website. Which creates another issue for consumers. They have called almost every single day, two to four times a day, despite telling him I would call on the last day of XXXX and make a payment. Mr. XXXX stated that my loan was not contingent to my part time work. I stated that I understand this, but when my child support does not come in, which sometimes happens, I will feed my children before I make a loan payment. I know I get partial payments during the holidays because my exhusband does not work full weeks during the holidays. If us consumers can't make partial payments, then we are being denied our right to repay a debt, despite if it is past due. I have made an arrangement may of times to call and pay on the last day of the month, and NEVER was I HARASSED like this. I have never been harassed in this way. This is absolutely an abuse of debt collection methodologies, and must be stopped. As of today XXXX, at XXXX XXXX, they have called me 4 times already. I will make a payment today. However, this HARASSMENT is unlawful. Mr. XXXX is awful when speaking. He is not open to any agreement, especially considering my good repayment history.
Consumer complaint received 2023-01-16
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)

When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo on the telephone to try to get the bank to implement the feature of the system that would automatically block any transaction that overdraws the debit card. When I got to a certain point in the conversation, the phone automatically hung up abruptly as if it had been programmed to do so automatically by either the phone company or the bank itself, ( or the United States government? ) so that I could not effectively add that feature to my debit card.
Consumer complaint received 2022-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo sold my grad student loan to XXXX XXXX. There was no notification regarding total loss of options to refinance, consolidate or payoff as agreed in original promissory note. No lenders are willing to refinance-Wells Fargo XXXX XXXX. Accumulated to XXXX interest on a XXXX loan. This is unacceptable banking practice, unethical, immoral and unjust. The arrangements of transfer from W. Fargo to XXXX, ignored banking regulations, a documented agreement and global public trust. There are many others impacted by Wells Fargo 's lack of integrity and deception, viewable in online conversations. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The have sent multiple letters to the credit reporting bureaus ( XXXX, XXXX and Experian ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

While checking my current claims listing I noticed a listing from Portfolio Reccovery Associates in the amount of XXXX. An unveriffied debt they purchased from XXXX XXXX XXXX. This debt does not belong to me, it belongs to a family member. 

XXXX of this debt has been paid through my XXXX  XXXX case with a remaining balance owed of XXXX. They added themselves to my case. 

I was never notified of this debt by Portfolio or given a chance to dispute the debt directly to them. No mail or phone communication was attempted by Portfolio to give me a chance to dispute this unverified account.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

XX/XX/24 - XXXX notification below, I submitted I did not recognize the alert New transaction detected Hi XXXX, A transaction at USAA that required authentication questions ( such as " what was the name of your first pet? '' or " what is the make and model of the car you currently drive? '' ) was attempted or completed. 

XX/XX/24, XX/XX/24 - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XX/XX/24 - First discussion with XXXX over the phone regarding the notifications, was sent preventative measures XXXX - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XXXX, XXXX - Call with XXXX and USAA : was informed by XXXX that someone updated information on the USAA account on XXXX, Called USAA with XXXX on XXXX. They requested my name and date of birth, and were able to submit to their back office for further review. As per USAA 's recommendation shortly after the conversation, I am submitting a direct dispute following the review of my early warning report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NC)

On XXXX XXXX I dispute some companies with Experian and XXXX about unauthorized inquiries on my report and in 2 hours they update me saying the inquires were accurate. Those inquires are not! They closed my dispute and tell me the hard inquiries will stay on my record for 2 years
Consumer complaint received 2024-01-09
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NV)

According to the terms and conditions of COMENITY BANK, I submitted a billing error notice and COMENTIY BANK has yet to respond, which is a violation of federal law. COMENITY BANK has not mailed or delivered written acknowledgment of receiving the billing error within 30 days of receipt. The billing error notice requested clarification of the disputed amount including documentary evidence. Attached is a copy of the billing error notice, billing statement of disputed amount, and the certified mail receipt.
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 is missing that should be on the report
Company: Allied Collection Services, Inc. (Nevada) (TX)

i check my credit pretty regularly and i noticed last week that this Allied Collection Services showed up on my report for two bureaus which is XXXX  and XXXX. I am not happy because i have never received any letter regarding this collection or anything. i am disputing the validity of this debt until they can prove other wise. This company went about it the wrong way and in an unethical manner. Something just should automatically appear on ones credit report unless numerous attempts to try and collect via phone and mail. This comes as a surprise to me and i am not happy because i am gradually trying to increase my score to own my own home one day and this knocked my score down by 42 points. I have research my own information about this company and they dont do things the right way they do it their way. I am asking this so called debt they are saying is mine off of my credit report and for them to prove its mine under law. Also on this report on XXXX XXXX there is no account number or anything so i dont trust anything. Again, Allied has not contacted me to settle anything if this was my debt, they just put it on ones credit. Also i know what a collection letter looks like and most times they offer a settlement amount. i have nothing to reference to but this screenshot from XXXX XXXX. XXXX will say they will work with people and i know that any they will still put thru to collection services..my thing is this XXXX account associated with Allied Collections Services is inaccurate and i am disputing this debt because i was never contacted of this debt by Allied collection Services and it mysterioussly popped up on my credit report last week
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CA)

I filed a complaint with you regarding inability to activate my card. US bank left me a message yesterday saying they believed they had a solution to my problem. The woman asked me to call back at :. ( The line went silent ). I called the number she had called me from and was put on hold listening to obnoxious modern country music for half an hour. I hung up.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I have been banking with Chase Bank for the past XXXX months and really enjoyed the experience and all they have to offer. Two days ago they made the decision to close my bank accounts and freeze my funds. 

On XX/XX/year> I received a requested for a wire reversal to a client who had recently made multiple purchases from my company. I responded to the bank with a detailed letter explaining why I would deny the reversal of funds. Essentially stating the client paid for items and received all items in full. The bank said they would investigate the matter and get back to me. 

In my letter I detailed how the client had made a few purchases of products and paid through wire transfer. After the funds were received by my company the client came into our business and received the items he ordered in full. When I received the request for wire reversal I called my client to see why the request was placed. He told me that his bank issued the request not him. As well as explaining to me that after he purchased the items from my business he then handed the products over the another individual for safekeeping. It turns out the other individual had no intention of storing the items for him and stole the items to keep for himself. He was scammed by an individual not associated with my company. Obviously we can not be held liable for a client poor decision making after our business has been completed. 

On XX/XX/year> I received a text message saying I needed to provide account information to keep my accounts active. When I called I was notified that my accounts were being closed and there was nothing to be done about it. When I asked about access to my funds I was told there is no timeline for them to send me a certified check in the mail. I have received XXXX communication from the bank in this matter since I called to find out they have decided to close the accounts. 

This experience has been financially and emotionally draining. We can not operate without our funds. We have continued to lose business each day we do not have access to them. We need this issue escalated and resolved immediately. We have done nothing wrong in this entire situation and we are being punished for it. Not only losing access to our bank accounts, but now losing business everyday our funds are frozen.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and XXXX XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. XXXX continues to change account #. XXXX XXXX reports perfect payment all the way to XX/XX/XXXX. Experian reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Within the past four months I had noticed three collections having been reported on my credit report and a massive drop in my fico score. I reached out to the collections company noted on the record as " Credit Bureau Systems Inc ''. I immediately sent them a Validation letter on XX/XX/2019 and after 30 days had not received any written correspondence back from them. On XX/XX/2019 I received an account details letter claiming I was in debt to them in the amount of {$13000.00}. On XX/XX/2019 I again re-sent a Validation letter via certified mail. On XX/XX/2019 I received an " Account Itemization Letter '' in the mail now stating that I owed the amount of {$12000.00}. Neither of these correspondence letters have matching account numbers nor amounts owed. To date all three of these collections remain on my credit report.