davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (WA)

On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX  - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (AL)

I received the attached letter dated XX/XX/XXXX stated that due to a lawsuit against them for putting holds on account back in XXXX, that I was entitled to a {$150.00} credit. That credit went to an outstanding balance of account numbers I did not recognize. I immediately called Wells Fargo and inquired about the letter because I did not recognize the closed account numbers. The person I spoke to explained the letter and could not find any account in my name that those numbers belonged to and needed to do some additional research because I was the rightful owner of the {$150.00} refund. However, today, XX/XX/XXXX, I received a called from Wells Fargo stating that he did further research and the {$150.00} went to an old defunct Wachovia Bank account that he claimed had a negative balance. If the account had a negative balance why was the account transferred over to Wells Fargo Bank who took over the old accounts of Wachovia if there was a negative balance? He had such a smug and sneaky attitude and wanted to send me a XXXX statement stating there was a negative balance. If that was true, why no one ever contacted me to let me know? I advised him not to send anything to my house dated XXXX. I contacted Wells because I did not understand the refund letter nor recognize the account numbers supposedly the {$150.00} refund was sent.
Consumer complaint received 2018-10-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (OH)

According to response from XXXX in complaint XXXX ; XXXX has reported to the credit bureaus on behalf of XXXX. According to the goodbye letter from XXXX ( attached ) XXXX was supposed to send a 'Welcome Notification ' that would include my new account number, transition information, etc. This information was not received. XXXX did not have any account information for me and was unable to pull up an account for me when requested during multiple calls prior to XXXX XXXX taking the loan back. I would like XXXX to provide a copy of the welcome letter with new account information to prove I was notified and to show they were servicing my loan from XX/XX/XXXX - XX/XX/XXXX as noted by XXXX in the attached document.
Consumer complaint received 2022-06-10
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. (MS)

On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by XXXX I then contacted XXXX Via phone and email, their phone reps said it was a mistake made by TransUnion, and it was not their fault at all. THEN I contacted TransUnion Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point XXXX and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX TransUnion has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, XXXX claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (IN)

On XX/XX/2020 PNC prevented me from transferring money from my personal account to XXXX. They would not allow a linking of my account to XXXX for a financial transfer. 
XXXX XXXX
Consumer complaint received 2018-04-11
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 (TX)

Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

Medicredit XX/XX/2013 {$360.00} they have this account as a chargeoff/collections I have contacted this company six times and asked them to send me a contract or any documents showing I had services here and they have not. Also I have disputed this with all three credit bureaus
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (PA)

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-06-10
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. (AR)

I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! 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. 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 2021-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the XXXX XXXX XXXX XXXX program and I saw an inaccurate report from ARS ACCOUNT RESOLUTION for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$770.00}. The account status shows 'seriously past due ' and they should not say that as these debts are not owed. 

I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by ARS ACCOUNT RESOLUTION is a VIOLATION of the HIPAA Act of 1996. ARS ACCOUNT RESOLUTION did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against ARS ACCOUNT RESOLUTION as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. ARS ACCOUNT RESOLUTION is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against ARS ACCOUNT RESOLUTION, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from ARS ACCOUNT RESOLUTION expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both XXXX  and XXXX. Not only did I have a XXXX as I am a single mother, but I also completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

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 reportsno consent is fraud. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/21 Balance {$3000.00}
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-05-17
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-03-09
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: EQUIFAX, INC. (IL)

I obtained a copy of my report and the report disclosed several dismissed bankruptcy cases that are not mine. I filed a dispute with Equifax and the cases were returned as verified. I contacted Equifax today and were told that the information was verified with the bankruptcy court directly. I contacted the court directly and they confirmed that they DO NOT verify case filing information for credit reporting agencies. Equifax has failed to verify the information directly with the furnisher of the information as is required by the regulation.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (WA)

We were looking at option to refinance, and Global Equity Finance through XXXX XXXX called me. It's funny that before even give me estimates, he already asked for personal documents which he reasoned is how they do it so he can quote me a good rate. 
I did submit them. I was given Loan Estimate twice. I said we are ok with the rate and we can proceed. 
Simultaneously I was dealing with another mortgage companies. he offered me a rate slightly higher than what Global Equity Finance offered. I could not pass offer of Global Equity, thus, i declined this.

We waited until after the memorial day weekend, and has been following up, only to find out that the person we were dealing with was terminated.

Because of the promise that was given to us, we missed other opportunities. We told them about the offer and showed to the new loan officer, and we were just told that we had a good offer, and then nothing! 
How would we know we are dealing with crooked loan officers? where is the check and balance there? How about the opportunities we lost!
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Hi, Someone made purchases using my Wells Fargo credit card for over {$10000.00}. This consists of a total of 9 fraudulent transactions made at an XXXX XXXX in XXXX, XXXX on XX/XX/2021. ( I live in XXXX, XXXX and have not been to XXXX, XXXX in several years! ) I have notified Wells Fargo and they are investigating. Could you please look into this matter as well. I am attaching the Wells Fargo statement showing these 9 fraudulent transactions made on XX/XX/2021. I am also attaching a report I made to XXXX Police on the same issue. Thank you and looking forward to hearing from you on this. 

Best, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-08-26
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. (GA)

The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX  {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MO)

I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data. 

Thank you
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a XXXX report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2019-08-26
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. (MO)

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX   XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX  {$680.00} 6 ] XXXX   {$71.00} 7 ] XXXX  XXXX XXXX