davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (IL)

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. 

XXXX, XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XX/XX/XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XX/XX/XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (FL)

Discover Card lowered my credit limit because XXXX reported delinquent payments on 2 credit cards, which were not mine but had been taken out in my name. 
A XXXX  XXXX XXXX XXXX and XXXX Credit Card XXXX 

I contacted XXXX XXXX XXXX and they are closing the fraudulent account. I have not yet contacted XXXX. 

I disputed this with XXXX but did not get a response by the date they said I would, XX/XX/XXXX.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (CA)

XXXX XXXX deliquent account via fraudulent mail theft unable to log in to monitor account. XXXX XXXX closed my account due to inactivity but no credit card was ever received and they never sent one. Now i get calls from XXXX  XXXX XXXX XXXX ) and I have told them 2 times before to NOT call work as I am unable to receive personal calls. Today I received yet another call at XXXX XXXX from ext XXXX and I state yet again they are not to call my work. At this point I would like to file a complaint against XXXX XXXX. They ignore my rights to not call my work and get me in trouble. They state they just received my account which is also a lie. Untrustworthy company who make lies and I can not believe what they say to be true.
Consumer complaint received 2019-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Conversation was started XX/XX/XXXX about an apartment ad. It went back and forth and a decision was made to move forward. A lease agreement was signed and I was asked to put down a deposit ( {$1000.00} XXXX and they would not accept anything but a wire transfer. It was sent from XXXX to Bank of America to the landlords account. After that I was harasses to send money amounts and payments outside the perimeters of the lease agreement that I signed and I refused and decided to exercise my right to a refund as stated by the lease I signed. I received lots of push back and avoidance of the issue. I had even received and invoice for the deposit but they still refused to refund me. Then they proceeded to no longer answer my calls or emails. I then contacted XXXX to reverse the transfer, who then contacted Bank of America. Bank of America said they could not reverse the transaction because they could not get a hold of the account owner. This is why I believed I was scammed. I have email and text records of the conversations, a signed copy of the lease and an invoice saying that I am entitled to my money and the account number the money was sent to is on the lease.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CO)

This Morning a process server called me from a Private number left a 48sec msg. Yawning and tiredXXXX XXXX. I will be served as a civil complaint Wednesday the XXXX and for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX  and XXXX XXXX direct line XXXX.14min call about Wells Fargo account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called Wells Fargo and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.
Consumer complaint received 2018-10-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (CA)

The company JPL Recovery solutions has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-06-15
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. (GA)

In accordance with The Fair Credit Reporting Act -XXXX XXXX XXXX  Account Number : 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
Consumer complaint received 2019-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I went to the emergency room at XXXX XXXX in XXXX, MI ( it may have been XXXX XXXX at that point in time ) sometime in XXXX. At the time, I had insurance and I paid my deductible on the spot. I was also told that there was an additional charge by the physician that treated me and I paid that on the spot as well. Sometime in XXXX, I started receiving calls from Wakefield Associates - reportedly a collection agency - about a debt that I " allegedly '' owed XXXX XXXX XXXX XXXX for an emergency room visit in XXXX. This was the first problem. I was never contacted by XXXX XXXX XXXX XXXX about this " alleged '' debt, it just somehow ended up in collections. I checked my credit report and I noticed that the collection was there. I immediately disputed the collection with the credit agency and they dropped it off my report. At that time - around XX/XX/XXXX - I called XXXX XXXX XXXX XXXX and they said that I owed {$140.00}. To avoid any further calls/conflict, I paid the {$140.00} on their website ( it gives you the website when you call them ), and yes, I have the receipt. Shortly thereafter, I let Wakefield Associates know that the debt was paid ( possibly twice ) and that needed to stop calling me and contact XXXX XXXX XXXX XXXX. The calls stopped. 

Fast forward to XX/XX/XXXX, I started receiving calls from Wakefield Associates about a debt in the amount of {$140.00} that I never paid to XXXX XXXX XXXX XXXX from services received in XXXX. This made me very angry because I was certain that I paid this bill at least once. I tracked down the receipt for this bill and immediately called both Wakefield Associates and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX said that my balance with them is {$0.00}. Wakefield Associates said that the debt was still on file. This makes me think this is some sort of scam between these two companies or at the very least shoddy accounting practices at XXXX XXXX XXXX XXXX. Either way, I'm reporting both of these companies. You can also find other people online complaining about XXXX XXXX XXXX XXXX sending their debts ( which in most cases were paid ) to collections.
Consumer complaint received 2021-11-30
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX Suntrust allowed XXXX to withdraw {$1100.00} from my bank account, without my approval, using a debit card ending in ( XXXX ) that was no longer active for it was closed by Suntrust on XX/XX/XXXX due to fraud. XXXX was never set up on automatic withdrawal for I would have to go into my account each month and submit a one time ACH payment. XXXX never had my routing number or my bank account number only the debit card information ending in ( XXXX ) which again was used for one time ACH payments. Attached is a timeline along with other proof documents which goes into detail our experience with XXXX. On XX/XX/XXXX we left XXXX due to months of dealing with their billing incompetence. There is no contract for service only for the devices. After we left XXXX they sent return boxes and labels. I returned all 4 phones ( proof attached ). I then received a bill for {$1100.00} which is obviously not correct for we only owed them one month of service. I then received a letter from a collection agency dated XX/XX/XXXX for the same incorrect amount {$1100.00}. On XX/XX/XXXX Suntrust allowed XXXX to withdraw the {$1100.00} using the closed debit card ending in XXXX. I placed a claim with Suntrust that day. Suntrust never retruned my funds while investigating and then denied my claim before they even received my proof. I submitted a rebuttal which after 45 days was denied for their decision did not change, I provided 17 pages of proof to back up my case. I did receive 2 reasons from Suntrust while speaking to two different agents for why XXXX was allowed to steal my money, both were different reasons. 
1. Suntrust stated I had a contract with XXXX therefore they allowed them to take an unauthorized payment ( Suntrust is my bank and a 3rd party that should not have been involved in civil matter ) 2. Suntrust stated XXXX was able to use a prior one time ACH payment approval code to push the unauthorized payment through on the closed debit card. ( I do not see how that is lawful for a one time ACH payment is for a specific amount for a specific date and is a one time payment )
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank Of America showed up on my credit report. Ive sent multiple letters asking someone with first hand knowledge to answer my questions I sent in. To date I have yet received the answered questions, that would prove that Bank Of America made a legal loan to myself while compiling with TRUTH AND LENDING ACT. Bank Of America has yet been able to produce any documents that show they loaned their own money in this alleged debt. I have been working for months to have them take their Tradeline off my credit report.
Consumer complaint received 2022-05-04
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. (GA)

In according with the Fair Credit Reporting act XXXX Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Consumer complaint received 2022-05-04
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: DISCOVER BANK (TX)

I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company which is XXXX  XXXX XXXX has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is TransUnion. They were the ones that refer me to FTC.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Complete Credit Solutions, Inc. (CA)

Complete Credit Solutions suddenly placed a collection account on my credit. It is account XXXX. They show it opened XX/XX/XXXX and reported XX/XX/XXXX. It also says date of last activity was XX/XX/XXXX. How can a new account be opened when last activity was years ago? It says original creditor XXXX but I do not ever recall a loan with them. I believe it was an erroneous account that we disputed long ago and was taken off. I believe it was over 7 years, almost 10. Now it has been placed back on our credit after disputing? No validation? Regardless of the origin, Complete Credit Solutions is re-aging the account to do maximum damage to my credit. We contacted and asked for validation but they did not want to discuss anything other than what we could pay. We told them it is disputed and wanted the debt to be validated. Nothing.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/2019 my XXXX year old sister was diagnosed with XXXX in her XXXX. She had a XXXX on her XXXX   and was going to need XXXX XXXX. My sister had just recently XXXX from college as a XXXX XXXX so her medical insurance that her college was providing was no longer valid therefore we had to pay my sisters XXXX out of pocket. It was very hard for the month of XX/XX/XXXX because doctors could not guarantee she was going to make it out of XXXX and my sister got very XXXX and had very little urge to live which broke me and made me basically forget about everything at that time i was going through very difficult time trying to stay strong for my sister. I regret very much not making that payment but with all that was going on i did not even know what day of the month it was. Also my aunt which is the primary one on the account we had some family issues and im the one that pays for the vechile but her cell phone number is the one on the account so if XXXX XXXX tried to get in contact with me to make that payment they were calling her amd she never reached out to me due to family issues. That phone call from XXXX would have reminded me i recently changed the phone number on the account to mine. Im very responsible when it comes to my CREDIT and bills so please help me i was going through hard times its my only missed payment and its affected me a lot. I'm willing to pay off the account if i have to enable to remove the late payment.
Consumer complaint received 2022-01-09
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. (CT)

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1.XXXX XXXX XXXX XXXX 
Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-05
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: FIRST PORTFOLIO SERVICING INC (MI)

XXXX-I called XXXX XXXX XXXX  Customer Services ( Vervent/Total Card ) regarding an outstanding account listed in my name with there company. The CSR informed me that the account was closed and there was nothing she could do. 
XXXX mailed a certified letter to XXXX XXXX XXXX ( Vervent/Total Card ) Corporate Office regarding Debt Validation of the outstanding balance that I called about in XX/XX/2020 listed above. To date I have not received a response regarding my request. 
XXXX disputed the information to XXXX XXXX, and XXXX, that I did not receive debt validation from XXXX XXXX XXXX  ( Vervent ) regarding account listed above. Each of the Credit Reporting agencies validated the debt was accurate even though the company did not validate debt. 
XXXX I called XXXX XXXX XXXX Customer Service ( Vervent/Total Card ) one last time for a resolution. XXXX ( CSR ) indicated once again there was nothing that the company could do. 

The company did not validate the debt, continued to report the information to the CRA 's and when I disputed it with the CRA 's they continued to report an invalidate debt.
Consumer complaint received 2023-04-10
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX