davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (FL)

n accordance with the Fair Credit Reporting act 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 XXXX ( XXXX XXXX XXXX ) {$470.00}
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX  - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have contacted Wakefield and Associates several times about this account. They refuse to respond to my written notification asking for verification of debt. I have no knowledge of this account and need it removed asap. The original debtor, status, payment and close date are different on all 3 reports. This is in direct violation of the Fair Credit Reporting Act. I am requesting that this debtor be contacted to provide resolution. Below is the information as report on my credit report about this account. 

XXXX XXXX XXXX XXXX  XXXX Opened XXXX Reported Unknown Condition
Consumer complaint received 2022-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

I made XXXX transfer on XX/XX/22 at XXXX am. 
Goldman Sachs Bank USA locked me out of my account so I could not trace the funds and report them for fraud. They never processed a wire that was made and tried to get me to call in 2 for 1. They are not being honest.
Consumer complaint received 2020-12-28
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. (MN)

I have obtained the following unauthorized/fraud from my recently pulled credit report. Some of these inquiries remained after being disputed and should have been removed. Please see the following attachment with this complaint.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from XXXX, Equifax or XXXX.
Consumer complaint received 2023-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I received a call from XXXX XXXX from Huntingtons foreclosure department who asked me to submit a payment of XXXX dollars. Originally, I was asked for payment of XXXX. I sent him proof that I could pay. But, he increased the amount required to stop the foreclosure of my home up to XXXX. When I spoke to a different representative he also told me the ammout desired is XXXX instead of XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

XXXX has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because XXXX & True Accord are stating that I owe a debt when I do not and XXXX & True Accord are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to XXXX & True Accord are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me XXXX needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

when I opened my bank account I opted out my card being able to go thru if funds were not available to prevent any overdraft fees. since last week when I use my debit card PNC is deducting the amount I spent at the store plus putting a hold for extra on my account. which means every time I use my card I'm going to be paying double for my transactions until they clear from the bank which according to one of the managers it can take 5 to 7 business days.
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, I sent a letter to Experian regarding the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead of handling my disputes they accused me by stating that I used a third party credit repair agency. I feel totally violated and I hope the CFPB does something about this.
Consumer complaint received 2022-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, BANK OF AMERICA WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
Consumer complaint received 2020-12-28
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. (TN)

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (TN)

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (TN)

In the Fair Credit Reporting Act it stimulates that student loans are need based loans that the Creditors did not view the credit score when you borrowed money. So there should be not in the consumers credit report and it is not a credit based.
Consumer complaint received 2023-02-07
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, XXXX {$8300.00} Closed FCRA Violation : other loan not mine XXXX XXXX XXXX {$1200.00} XXXX XXXX {$670.00} FCRA Violation : hardenquiries not mine XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$780.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} XXXX XXXX  XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  XXXX Reported : XXXX XXXX XXXX XXXX {$340.00}
Consumer complaint received 2017-05-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harley Davidson Financial Services Inc (AR)

A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (UT)

My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost XXXX points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution
Consumer complaint received 2022-02-22
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: Total Card, Inc. (OH)

XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
XXXX when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested XXXX to remove due to incorrect/missing data and the age of line past XXXX. XXXX instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
Consumer complaint received 2020-12-28
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: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2022-02-18
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: UMB FINANCIAL CORPORATION (TX)

In XX/XX/2021, {$3100.00} was charged to my account for radio and online fees related to a fundraising ad campaign for XXXX XXXX XXXX XXXX XXXX, a nonprofit bringing XXXX XXXX XXXX XXXX  XXXX. The campaign was to run online for the month of XX/XX/2021 and then run a week of radio ads leading up to XX/XX/2021 during XXXX XXXX XXXX XXXX 

Ads did not run and as I began to complain the radio sales team stopped responding to my inquiries. I am attaching screen shots of the ads platform showing no ads running. 

I then contacted the radio station one last time informing them I would contact the credit card provider, UMB Financial. They did not respond so I went to UMB Financial explaining that the radio station did not provide the ad time as promised to get a refund. The following four months have been a back and forth with UMB stating I owe the {$3100.00} for ads that did not run. 

I have asked multiple times that the charges be reversed and am now contacting members of the media.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have submitted address correction information to both Experian and XXXX. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the Experian report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I had identity theft in XXXX in XX/XX/XXXX I requested my credit report and corrected wrong information. There was a collection XXXX at XXXX XXXX XXXX for {$2900.00} from XXXX XXXX XXXX. I disputed this account because I never received info on it. In XX/XX/XXXX the collection was deleted from my report. In XXXX I applied for a loan and this debt showed up again as opened XX/XX/XXXX. I disputed it with XXXX who said the collector was accurate? I never received any info on this debt? It was opened on XX/XX/XXXX But it was opened XX/XX/XXXX! That is not accurate. And I do not know if that is my Bill or identity theft because I was never given any info at all. The debt is barred XX/XX/XXXX which I dont understand because it was initially opened XX/XX/XXXX! It was deleted now XXXX says they provided accurate info? This cant be true.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (IL)

I received treatment by XXXX XXXX XXXX on XXXX. They sent the bill to collections through United Collection bureau XXXX for {$600.00}. 
I paid the {$600.00} in full. 
My health insurance paid the claim on XX/XX/2021. The collection bureau is refusing to refund or correct the account.
Consumer complaint received 2020-12-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX #  XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.