davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (AZ)

This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions.

Account Name : FIRST PREMIER BANK ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX
Consumer complaint received 2019-07-17
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. (CO)

Irecentlypulledmycreditreportfromall3bureausandfoundmanyerrorsthatIhaverequestedtobeupdatedorremovedandthebureausarenotdoingasIask.Theywillsimplyputastatementthatsays"MeetstherequirementsoftheFCRA''butitdoesnotmeettherequirementswhensection602isbeingviolated.Iaskforphysical,documentedproofthattheseaccountsaremineandtheyREFUSEtoprovidetheinformationrequested.

1.AcompanybythenameofXXXXXXXXisreportingaXXXXXXXXXXXXaccountthathasbeenturnedoverforcollections.TheylistisasbeingopenedonXXXXbutnoinquiryshowsuponmyfilestoshowthatIevenappliedforanaccountwithXXXXXXXXbecauseIneverhadanaccountwiththemthatwasasoleaccountofmine.WhenIcallthiscompanytheywillnotprovidemewiththeoriginalcontract,why?BecauseNOCONTRACTexists.ThecreditbureausareinpureviolationofXXXXXXXXCompliancethatspecificallysaysallinformationbeingreportedtothecreditbureausmustmeetcertainandproperformattingandtheydonot.MuchoftheinformationismissingandthisisaMetro2Complianceviolation.ThisaccountwithXXXXfundingisonlylistingXXXXnoonecanlegallycontactXXXXXXXXwithsuchaccountinformationandthereforeitisincompleteandamajorviolation.

2.XXXXXXXXisreportinganaccount,onceagainthebureaussayitmeetstherequirementsoftheFCRA,Iamdemandingwrittenproof,meaningahandsignedcontractthatsaysthisaccountismine.IhaveneverhadXXXXandyettheyarereportingthisonmyfiles.AlsoincompleteandmissinginformationmakesitveryhardtovalidatesoonceagainaMetro2Complianceviolationistakingplace.TheonlythingbeingreportedisapartialaccountlistedasXXXXthisisnotavalidaccountnumberandneedstoberemovedimmediatelyorsendmeverificationintheformofasignedcontractfromthecreditorshowingthisismine.

3.Alsotheyeachhavemanyoldaddressesbeingreportedonmyfilesalongwithmanynamesthatareincorrectandneedtoberemoved.TheonlythingthatshouldbereportingismycurrentaddressofXXXXXXXXXXXXXXXXXXXX,COXXXX,andtwonamesXXXXXXXXandXXXXXXXXXXXX.

ImmediatelyremovaloftheaboveinformationisdemandedorIwanttheminvestigatedforFCRAViolations.

3.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc. (VA)

On or about XX/XX/2023, I submitted a formal written debt validation request to RA Rogers INC Collection Consultants, at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Approximately two weeks later, I received a response from the named party, however, the information provided was not pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I again submitted a written reply on or about XX/XX/2023, notifying the named party that they have violated several of my consumer rights. Specifically, by failing to validate a debt at my request, which is an FDCPA violation and the named party continues to report a disputed debt to the Credit Bureaus : which is another FCRA violation. The named party was given two separate opportunities to furnish the requested FDCPA debt validation documentation. I have included the information that was requested below : Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature agreeing to the sell of my personal information to a third party, i.e., R. A. Rogers, Inc ; -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay R. A. Rogers, Inc., what you say I owe ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent ; As a result of their failure to comply with FDCPA regulations, I employ the " Estoppel by Silence '' in my defense and demand that this collection account be removed from the two credit bureaus ( XXXX and XXXX ) that the named party disclosed this information to and consequently damaged my credit profile. I look forward to working with you to get this matter resolved.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX I filed a complaint with CFPB ( XXXX ). The reply from SPS referenced 3 loan modifications between XXXX and XXXX with accrued Interest exceeding {$310000.00}. When I asked why this was not included in my mortgage interest, I was told it would not be reported until the mortgage was paid. The mortgage was paid in full in XXXX including the ridiculous accrued interest Charges. Now they tell me it was not actually interest. The computer I had the response saved on was stolen about 3 years ago, and I do not have a copy of their reply to you. Can I get a copy?
Consumer complaint received 2023-03-26
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. (MN)

Account Number XXXX. Date open XX/XX/XXXX Account Number XXXX date open XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

" Creditors often stop charging interest after they charge off a defaulted account because of certain business reasons and because they are otherwise obligated under the Truth in Lending Act to send monthly statements to cardholders. " Capital One is charging interest on a charged off account. Thus the account shows a XXXX percent usage balance of {$8300.00} on a {$7000.00} credit limit Capital One is charging interest on a charged off account. thus account shows a 115 % usage balance {$3400.00} on a {$3000.00} limit. 

They are " OBLIGATED '' to send me monthly statements and I have yet to receive just one.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Over and over I contacted Equifax in regards to inaccurate information that was reported on my credit report which only led to months of frustrating phone conversing and weeks of faxing personal documents which only lead to further frustration
Consumer complaint received 2022-12-01
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America received a check at the ATM and placed a 10 day deposit hold without notice. BOA refused to return the check inside where the deposit was made and refused to credit the account at the contact center via phone. The extended hold was unreasonable and I asked XXXX XXXX at the call center to contact the issuing bank and verify the funds because this hold was creating a substantial financial crisis for me. XXXX refused to even credit {$200.00} of the check to my account and refused to pick up the phone and verify the check to release funds. These actions are immortal and unfair and if the check was accepted then the funds should be released or the check returned. The banks use of ATM is no excuse for not returning property ( the check ) when refusing to credit the account. I was damaged by the actions of BOA and the check should have been returned on request to provide to the issuing institution.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. As a result I have be en gravely effected and my credit score is suffering as a result. No notice was ever given, with is also a violation. I am requesting that all inquiries be removed immediately.
Consumer complaint received 2023-03-26
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. (MD)

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. 

Account Name : XXXX XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX XXXX  & Account # XXXX 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.
Consumer complaint received 2022-12-01
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-03-26
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. (NJ)

Someone opened up a XXXX  XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Consumer complaint received 2019-05-05
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: AMERICAN EXPRESS COMPANY (FL)

they keep charging me for dispute i keep making and they wont credit my card even though the merchant even said the accept the refund and agree to charge back see attachment
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc. (MA)

I was contacted by Allied Account Services Inc, XXXX XXXX XXXX, XXXX, NY XXXX, phone # XXXX XXXX. I XXXX XXXX in R.I. that rents units to various tenants. These tenants set up individual accounts for utilities with XXXX XXXX ( R.I. ). A tenant did not pay their bills. I called XXXX XXXX, as far as they were concerned, I was not liable, but this collection agency just wanted anyone associated to try to collect. They have reported me as in debt and are trying to ruin my credit rating!
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX : I called to report financial hardship. I was placed on forbearance without informing me what they were doing, this later ended in crisis in XX/XX/XXXX by having to pay {$900.00} in interest alone. 

1st.- After my call with NAVIENT on XX/XX/XXXX in regard to the request of changing my plan, the Representative redirected me to the Federal Aid website for the application. The Representative NEVER mentioned she was going to place my account on Forbearance, NEVER mentioned that this will recruit a high amount of interest. Navient has many issues related to the hidden information of their plans to its borrowers as this has happened with my account. After I was directed from Navient to the Federal Student Aid website, I submitted my Income with taxes. In fact, they required my wife to open an account for verification purposes. So, during my application on their website, I submitted my proof of income through the FSA websites. I never received any further communication from Navient asking for my Income whatsoever.

2nd When I called Navient on XX/XX/XXXX to request information for my new application for XXXX, the Navient Representative changed my status without my authorization and my knowledge. I noticed this change when I received a direct email from my Navient account that this change was made on my account. I called to report to this representative the same day I received the notification, but no one helped me to file a claim against the representative who did change my status without my consent. So, I would like to take the opportunity to request you how I can report this agent and I would like to also make a copy of this report to the Federal Student Aid agency since this was very arbitrary.

I have attached to this request the ONLY NOTIFICATION received in XXXX when I requested to apply for Income-Driven Plan, but they placed me on Forbearance. And they said it is my fault because I did not send proof of Income, which is not true because The Federal Student Aid department was the one who asked me to do it for the application and I did it with them, I NEVER received a notification from Navient after XX/XX/XXXX asking for proof of my income. My application for the Income-Driven Plan was through FSA. I also attached the notification I received from Navient on XX/XX/XXXX after a Navient representative placed on Forbearance without my knowledge and consent. I noticed this change after I received the notification and made a call to Navient for correction. As you can see, there is an arbitrary behavior to place students on Forbearance without their previous knowledge. I would like Navient to provide the agents name who did this to my account and make a complaint in regard to this situation as well. 

Please, do not allow Navient to investigate themselves. They are going to cover their failures with excuses and blaming the student
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OR)

Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail. 
I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX  ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list. 
My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.