davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (TN)

On XX/XX/2014 I went into the Emergency room. I was uninsured and when I received my bill it was {$420.00} and the other amount was written off as " Contract Adjustment Below is  the definition of Contract Adjustment. 

A Contractual Adjustment is a part of a patients bill that a doctor or hospital must write-off ( not charge for ) because of billing agreements with the insurance company. Adjustments, or write-offs, are the dollars that are adjusted off a patient account for any reason. The Contractual Adjustment is the most common type of adjustment. 

Now thud company Debt Recovery Solutions , LLC is trying to collect on the Contract Adjustment. This is the second company that has tried this they even dinged my credit but XXXX XXXX took my side on the dispute and removed it from my credit report. 

The company has even sent me proof that there is a XXXX Balance but claim they want they want me to pay the Contractual Adjustment amount. I have sent then proof from the Hospital but they refuse to stop collection.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (VA)

I went to the XXXX XXXX branch and they told me they could not close my account or give me the funds and they sent me to another branch telling me that branch would/could cash out/close my XXXX XXXX XXXX account. Drove 20+ miles to other branch and then got told there they misunderstood and did not know I wanted all the funds but would give me only {$4000.00} of my $ 34,400+ account. I spoke with XXXX and then the branch mgt. XXXX and explained I wanted to close my account and get the CASH. They told me they could not give me money and could give me cashiers checks, BUT they gave me 2 cashiers checks for {$15000.00} each, made to me ... but I could not cash them or get them cashed and I would have to wait until XXXX or XXXX for them to get the money ordered and in so I could cash the checks for CASH! Now, today, I am told by XXXX, mgr., that they did not order my CASH in time so I will have to wait another week ... Meanwhile BB & T has MY money, they claim it is out of MY account ( in their bank still ) and no interest they owe me and they refuse to give me MY MONEY! I WANT MY MONEY THIS WEEK!!!!
Consumer complaint received 2023-03-29
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. (CO)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO XXXX
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

on or about XX/XX/2019 I opened a checking account with USAA bank account ending XXXX and issued a ATM card ending XXXX. I was unable to activate the ATM card or use the checking account in anyway. I used a electronic check to open the account in the amount of XXXX from my checking account with XXXX XXXX which paid check on XX/XX/19. USAA tried to connect the two accounts which I refused twice and then I was later told that my new account with USAA was blocked and I had no access to it or my deposit. I was told that USAA no longer wanted to do business with me and account was under review. I told USAA I felt the same way and thought that they were crooks and not a bank only wishing to sell be there insurance products and control my funds thru a central location and fleece my funds with there products and services. I told them I wanted funds returned and their scam account closed. I was promised a refund within two weeks which never happened and still haven`t received my funds over 40 days later or information when I would receive my money. I`ve been robbed by USAA for not being stupid and had to change my account info on my XXXX XXXX to protect myself.
Consumer complaint received 2020-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (CA)

Third party stated on XX/XX/XXXX XXXX XXXX XXXX was at {$22000.00} and they would manage to bring it down to {$8000.00} as long as I payed a {$4000.00} entry fee and agree to pay a monthly fee that is do to change depending on my yearly income for 10 years. I agreed and went on paying for 2 years a monthly service fee of {$39.00}. Coming to the third year of renewal they stopped pulling money out of my student bank account on XX/XX/XXXX I called and they wouldnt answer I decided to check my email to see if they notified me of company change but instead read an email stating Arete financial freedom was being sued. I proceeded to call XXXX XXXX they stated my account was being stopped every year since XXXX and that it was a fraud. They advised me to put a complaint and enter their program of repayment.
Consumer complaint received 2019-01-14
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. (CA)

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Consumer complaint received 2023-07-31
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. (CA)

In 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do no provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the cfpb to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.
Consumer complaint received 2019-01-14
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: COMMERCE BANK (IL)

My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. Submitted a loan modification application on behalf of our client. 

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. contacted Shellpoint to acquire an update on the modification review. We were advised by XXXX XXXX that we need to wait until XX/XX/XXXX to apply due to a past approval. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint and were advised that the file was approved for a modification on or about XX/XX/XXXX. However, the approval was closed out because the trial letter was returned to Shellpoint. 
We advised them that we are their attorneys and it should have come to our office. 
They requested that we call them back, so they can investigate the matter. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint and we were advised by a supervisor that they would contact the investor and confirm if the investor is willing to honor the trial due to the following reasons. 
1. The trial letter was never sent out to the client 2. Our office was never advised of the approval and we are their attorney of record 3. Our client was never advised of the approval XX/XX/XXXX we received a voicemail from Shellpoint notifying us that the file has been submitted for an approval and will call us back with an update. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called and emailed Shellpoint for an  update no response was provided XXXX/XXXX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint for an update no response was provided XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint for an update. At this point we were notified by XXXX XXXX that they never received the final modification agreement sent to the client on XX/XX/XXXX and the file was closed on XX/XX/XXXX and we now need to wait until XX/XX/XXXX to reapply. 
I informed Mr. XXXX that our client has notified Shellpoint several times that hey never received the contract. I also began to notify them on the information above and I was told that the conversation was a moot point. I requested a supervisor and was immediately told that they are unavailable and transferred to their voicemail. I have not received a call back however, we believe Shellpoint is contacting our client and ignoring our office despite our request to have all calls are correspondence to be sent to our office. We also requested for the tracking number from the contract sent to our client on XX/XX/XXXX however, it was not provided. 
We believe that Shellpoint is not acting in good faith. We have been misinformed and possibly deliberately mislead by their staff at the benefit of Shellpoint. Our client is determined to save her home, if Shellpoint was acting in good faith and not misleading us this matter would have been resolved.
Consumer complaint received 2018-09-11
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: CITIBANK, N.A. (FL)

On XX/XX/18 I called XXXX and opened up a dispute with Citi Card relating to three transactions that appeared on XX/XX/18 - XX/XX/18 ( XXXX statement ). These were : 1 ) XXXXXXXX XXXX XXXXXXXX purchase for {$790.00} on XX/XX/18, which I or my wife did not make or authorize. 2 ) Two XXXX networks payments made on XX/XX/18 for {$61.00}, and {$8.00}, which neither I nor my wife authorized. ( We are not a XXXX  /XXXX   customer. ) I was told they needed 7-10 business days to resolve this. I called on XX/XX/18 and was referred to XXXX on Citi 's Billing Dispute Team ( whose phone number is XXXX ). As when I opened the dispute on XX/XX/XXXX XXXX asked me a number of questions relating to these transactions. I told him I did not authorize these transactions and that I contacted XXXX XXXX and that they told me that they could not track who made the {$790.00} purchase. XXXX told me he would give me a credit for the XXXX XXXX {$790.00} and the XXXX {$61.00}. ( They had credited our Citi card with the {$8.00}, ( XXXX would also sending me two letters that I would have to sign and return. I called today XX/XX/18 and talked to XXXX at the Citi Card Billing dispute and she said that this was opened up as merchandise not received. She opened up a new dispute for these amounts, so we are restarting the process.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp. (GA)

I had an auto loan with XXXX XXXX XXXX. The vehicle ( XXXX XXXX  / XXXX / XXXX-4 CYL ) needed repairs in which I took it to a repair shop. The owner XXXX ( ( XXXX ) XXXX ) gave the cost of repairs. I then decided to a voluntary repo in which the vehicle was supposed to be picked up. I should only be being billed for the difference of what it was sold for. I should not be being billed for the full amount of the vehicle. I've tried numerous times to negotiate this cost with them to no avail.
Consumer complaint received 2018-07-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned.

They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Law Office of James R. Vaughan, P.C. (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX  responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX  made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX  family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX  without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX  engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

This company has made it impossible for me to resume working for XXXX. I was charged with a XXXX XXXX  and this company quickly reported that pending charge to XXXX. I have been unable to work at XXXX since even though this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my record on XX/XX/year>. I reached out to first advantage who took 30 days to come back and say that the charge was still pending and that their information was accurate. They wanted me to reach out to the courts and provide them with proof it was dropped, even though that is not my job nor should I, the consumer, have to prove my innocence to a reporting company that can not properly report information. My background is totally clear and the charge I was wrongfully charged with was dropped, not dismissed, by the police agency that charged me. I need them to accurately report my information to XXXX so that k may gain my employment back. As I should and would be able to do.
Consumer complaint received 2022-07-27
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. (MD)

I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency XXXX, EQUIFAX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.Tennessee dept of human svcs, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.