davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (TX)

I have sent certified letters to XXXX, XXXX, Trans Union and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below. 
According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the credit report.
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Discovered some fraudulent activities on my business account at Truist Bank which emptied my account including several overdraft fees. Went to the local branch after attempting to reach Truist by phone but was advised by rep that the fraud claim could only be done over the phone. I left the bank and I have sat in my car for XXXX hrs on the phone on hold now as I am writing this waiting for an answer. This is unacceptable while my account continues to go in overdraft. Why couldnt the local branch handle this?
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

Received a letter on XX/XX/XXXX XXXX From someone stating I owed a debt. I sent them a certificate letter on XXXX XXXX asking for proof of debt and original debt ownership. I have yet to get a response from the debt collector. Would like to have this removed.
Consumer complaint received 2020-07-31
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

Wanted to use XXXX for internet services, but decided not to use them. Never had the service being billed for. The technician came to set up the service but I declined it, he called them and said we did not want the service. But keep sending bills and emails. Called XXXX numerous times to dispute that I was not paying for something that never got hooked up. Then they sent me to collections.
Consumer complaint received 2018-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX I initiated a wire transfer from my Capital One 360 checking account for the value of {$2700.00} to an intermediary bank for deposit into my XXXX   currency investment account. I have completed transfers like this at least five times in the past. 

My wire transfer was rejected because Capital One said only transfers related to closing on a home may be made to an intermediary or title bank. They referred me to their terms of service as proof of this rule, but it is not listed anywhere : https : //www.capitalone.comXXXX  I am currently in the process of moving my business from Capital One to XXXX XXXX instead , but this will take a fair amount of time. Regardless, misleading consumers is not appropriate and should be looked into.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have a credit card from BEST BUY/CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (CA)

After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me extreme stress lost of sleep. An caused me to get denied for numerous things which I consider damages.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc. (MO)

This is complicated. My daughter is XXXX years old and going to college. I am XXXX and XXXX. I am the non-custodial parent living in XXXX. The law states that the non-custodial parent ONLY is required to continue to pay XXXX XXXX as long as the child is in college  until she reaches XXXX years old OR UNLESS SHE FAILS TO REPORT HER PROGRESS TO ME, HOURS, GRADES ETC ... so I am paying {$3000.00} a year to support her and believe me I have contacted local, state and federal offices and nothing matters. I am nobody. I only know of where she may be in college at. Ive never got a report from her or the college, no grades, no nothing. I want my money back and for future funds, {$250.00} a month to quit being taken form me. I am doing without eating at times and have no idea if shes even still going to school. Cant tell you where she lives, nothing. She dont call, write or come see me. I have tried all the other avenues. I am a XXXX XXXX   too and I know the ropes but not well enough I guess.
Consumer complaint received 2022-03-09
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. (TX)

accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I have 2 fraudulent charges saying reversal XXXX XXXX for {$460.00} which overdrafted my account. When i reached out to chase bank fraud department they told me there was nothing they could do and that they had received a phone call with someone who had access to my information and personal details to pass the security questions. Chase bank would not give me more specific details and Chase bank told me to contact XXXX XXXX to dispute the charges.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Customer Service, Inc. (WA)

I was told I owed for magazines that I ordered by phone in XXXX of this year. They verified my address, and said they had a recording of me ordering the magazines. It never happened, I have never received any of the magazines, ten of them, that he said I had ordered. He was very aggressive. I told him that it was a fraudulent debt, that either they, or the company that supposedly sent me to collection, had invented this debt. I am XXXX and I think they are just trying to prey on an elderly person. I told him that if they didn't call me back within 24 hours and either have a copy of the phone call I can listen to, or cancel the phony debt, I would report them to whatever agency I could. They called me back the next day and told me the debt was cancelled, without explanation. I just want it on the record that either they or a company with which they do business is preying on the eldery and anyone else who has this experience with them should report them as well.
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account XXXX 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 2022-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2022 I filed a complaint with XXXX, XXXX, Experian and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : 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 XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX XXXX : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Consumer complaint received 2022-03-09
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX I filed a dispute # XXXX with Equifax concerning account # XXXX XXXX. This was an account that was included in bankruptcy ChapterXXXX XX/XX/XXXX. Equifax investigated and corrected wrong information that was being reported of missed and late payments during the bankruptcy Chapter XXXX. XX/XX/XXXX filed another dispute with same problem with XXXX dispute # XXXX and again XXXX dispute # XXXX and now again there is information on this same account that has dropped my credit score from XXXX to XXXX. It is now XXXX points down. I am not having this problem with any other agency. Only Equifax. I have submitted another dispute but my dispute will only work monthly as this information keeps finding its way back to this report. There is nothing NEW on my credit report that would cause a XXXX point drop in my credit score other than this issue. I am on top of this since our bankruptcy and have been working hard to repair our credit. Chapter XXXX was filed in order to pay our creditors back. I am not understanding why this agency on monthly basis has incorrect information that I have to continue to dispute in order to have an accurate credit score. My new dispute is XX/XX/XXXX # XXXX. If this information turns out to be accurate based on all the wrong information they have been receiving or reporting I feel the XXXX point drop needs to be re-evaluated. There are no other changes that would have caused this Thank You
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 2019-03-30
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. (CA)

On XXXX XXXX and my daughter were scheduled to fly XXXX  XXXX from Hawaii to XXXX XXXX. Due to some problems at the airport we missed our plane and had to change our tickets. The change fee was {$120.00}. ( I have a copy of this agreement, but it is too big to upload. ) I gave XXXX my existing tickets and they gave me new ones.

Only when I got my bill did I discover that XXXX   had charged me for **NEW** tickets, a charge of {$1100.00}. I disputed this with Citibank.

They sent me a form letter denying the dispute. I have sent them followup letters, but have been unable to get response. As for today, I don't think they are even reading my letters.

Maybe they will read a letter from you.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I received a phone call from someone using the Wells Fargo customer service number ( XXXX ) claiming they had detected an unusual payment being made using the XXXX service. I told him it was not me and to decline. He than proceeded under the guise of a Wells Fargo agent, to have me transfer money into what I thought was a new account to avoid any future fraud. Little did I know that he had me transfer {$5000.00} into an entirely different account via wire transfer into a XXXX account. By the time I realized what he was doing, he hung up on me. Within the next few minutes, {$1100.00} more was transferred out of my checking account. Now Wells Fargo is telling me that they cant get the money back from XXXX, and that theres nothing else they can do. I never received any fraud alerts from Wells Fargo for these two transfers. I have never used the wire transfer service for anything in the 20 years I have been a Wells Fargo customer. Nor have I ever sent that much money to another banking institution. And not one phone call, text, or alert from Wells Fargo. Now theyre telling me that theyre just going to leave me high and dry with my savings wiped out and {$1100.00} fraudulently taken out of my checking account
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

In the Fair Credit Reporting Act it stimulates that student loans are need based loans that the Creditors did not view the credit score when you borrowed money. So there should be not in the consumers credit report and it is not a credit based.
Consumer complaint received 2016-06-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

BSI financial services starting servicing my mortgage XX/XX/XXXX. My interest rate is PRIME - 1 %. They raised my interest rate on my loan ( outside of my initial HELOC disclosures requirements ) by 0.625 % on my HELOC. I just found out they did this after asking why my account / payment was raised to this interest rate & payment. I have never been late 30 days or more nor have I missed a payment date. When I called a while back & inquired, they could not answer why this was the case. Today, they stated it was because I did not escrow. No where in the multiple servicing history ( XXXX servicers ) where the servicers allowed to raise & /or adjustment my interest rate without disclosure. I would am filing a formal compliant to document this predatory lender philosophy. Also, I tried to set up my new account adjustments in XXXX, XXXX via their website. Thank you, XXXX XXXX
Consumer complaint received 2022-07-25
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. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )