davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (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. 

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, 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 2020-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AR)

My name is XXXX XXXX. Im relatively young and was montering my credit report. Everything was fine and my score was steadily going up. I did notice that i had one negative account that was in collections for a XXXX dollars. I havent recived any correspondence or phone calls for that matter. I found out by checking my credit report which is a shame especially when Im young and Im trying to establish good credit. contacted the debt collecting agency gave them {$40.00} and tell them to set up a payment arrangement they said they would and then that was it but it still showing that I missed a payment is showing that I have a derogatory public record now this kind of XXXX is why people get so upset when people try so hard you can see on my other accounts are just fine paid on time and now Im going to have an uphill battle to try to get my credit score back up and I dont even know if its legitimate because I had two health insurance at the time so did they even bill the health insurances also XXXX  always collects copays or any other money upfront that insurance wont cover! Why because there for profit! and not very Efficient professional and will never go to them again
Consumer complaint received 2020-02-21
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. (TX)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION WITHIN MY TRANSUNION REPORT THAT I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a XXXX XXXX device in XX/XX/2019 which required a monthly subscription. In XX/XX/2019 I attempted multiple times to contact the company to cancel the monthly subscription via the customer service number on the web site unsuccessfully. In early XX/XX/2019 I contacted Bank of America the credit card company for assistance in contacting the merchant. BOF A had only the unreachable customer service number that I attempted from the web site. B of A issued me credits for the charges in XXXX and the next few months, and continued to allow the XXXX XXXX to charge my credit card .At one point I was issued a new credit number and the merchant was still able to charge me services that I had been trying for 6 months to cancle. Bof A has refused to the last 2 months of charges.
Consumer complaint received 2020-02-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2022-10-14
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I was made aware of fraudulent transactions after being in the hospital for a severed finger. I had been unable to check my bank account online due to no service in hospital and when I was released I was made aware of these transactions. Then I made a note and went over all receipts and there were multiple unknown transactions after I had used the fuel pump and got gas. Three online two in stores and one manually entered. I called the bank and notified them. Three days later they called saying they were suspending my debit card use for 12 months for protection due to my past disputes from my soon to be ex husband who I have not given permission or allowed to even be near me cause he wrote bad checks and stole my debit card multiple times. Then the next day they closed my claim and stated that no signs of fraud were made aware. Then when I tried to escalate it they told me there's nothing I can do even if he somehow stole it or someone else did they knew my pin and had my card which I believe I had but I was also in hospital and unsure of placement of items. The dates were XX/XX/XXXX for the amounts of XXXX XXXX XXXX  XXXX XXXX XXXX 's XXXX tracsup XXXX
Consumer complaint received 2020-02-21
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. (TX)

I disputed XXXX XXXX XXXX and both XXXX  and XXXX came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothXXXX and XXXX  did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. 

I gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. 

Basis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original XXXX primary lease/account holder ). 

We paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies XXXX, Experian and XXXX  ) Date first reported XX/XX/XXXX ( XXXX, Experian and XXXX  ) is incorrect. 

Copies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. 

Unauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. 

Scribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a " collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

I settled with this debt collector XXXX XXXX XXXX XXXX who collects on XXXX XXXX XXXX XXXX XXXX /XXXX  XXXX. 

The account was paid in full and removed from my credit, then after 8 months returned anew on my credit as new debt
Consumer complaint received 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

LOAN : XXXX XXXX County SunTrust Mortgage was PAID XX/XX/2006 - the Mortgage was sold 16 Years ago. 
SunTrust Has failed to File a satisfaction and release for 16 Years ago and should be fined for damages. Any lender which has sold the Mortgage and it's NOT even the servicer, must file a satisfaction and release within 30 Days. 
SunTrust Mortgage should have satisfy : Upon full payoff of the mortgage from another, and here with I the mortgagor demand of the mortgagee that satisfaction be recorded. The mortgagee had 60 days from the date of the sale without recourse to comply, or face liability. Marginal Satisfaction : Not allowed. 
SunTrust Mortgage should face penalties and In the case of a civil action arising out of the failure of the mortgagee to properly record, within 30 days of demand, a satisfied mortgage, the prevailing party shall be entitled to attorneys fees and costs, and shall be guilty of a misdemeanor of the second degree. 

Once a mortgage or deed of trust is paid and sold, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property. 

The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction. 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. 
Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. A satisfaction is where the former holder of the mortgage records and files with the office of the clerk a satisfaction on the face of the the recorded mortgage, which is attested by the clerk. 

SunTrust Mortgage was paid 16 Years ago, does not have a mortgage or note. 
The recording of a satisfaction is to be made forthwith or be held liable for all the damages!
Consumer complaint received 2022-10-15
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: On Q Financial (SC)

In XX/XX/XXXX, I started the process with OnQ financial for a construction loan with a new home mortgage per the referral of the home builder. Throughout the entire process, XXXX  was extremely difficult and rude to work with and pulled my credit more times than necessary and dragging out the process which negatively affected my credit score. Credit score was over XXXX and less than a year later was down to XXXX. Consequently, this then disqualified me as an excellent candidate and affected which loans I was approved for as well as a higher interest rate. Hard credit pulls each time, not soft as their communication stated. In addition, now that the construction is in process, each month there is incorrect information provided as far as the loan information such as an interest rate of 33 % when it should have been 6.5 %, sending the invoices to an address that I do not live at, not sending on time thereby causing a late fee, etc. Furthermore, my partner had the same house, same loan, started same time, etc but they treated him differently than myself and he closed 2 months earlier than I did since they continued to drag my process out. They also charged him a lower fee for an appraisal. 
Hard Credit pulls occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally signed loan docs and started the payments on XX/XX/XXXX, a full year later, when the builder had all my documents and contracts signed back in XX/XX/XXXX. XXXX XXXX was playing a game with me and my credit history and made so many errors it went into full underwriting for a simple loan for a customer with a small financial portfolio. She wasted my time and required the same documents multiple times. When I finally signed, the package was also incorrect information and documents. Frustrating process and more difficult than necessary due to her lack of ineptitude. Despite multiple complaints to the builder and financial institution, she was not replaced nor has received any adverse affects to herself and her position.
Consumer complaint received 2020-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX 2020. I got a call from Usaa XXXX representative alerting me about suspicious activity on my account saying that was breach to my account using my XXXX address login in on XXXX device and making some transaction made with " XXXX '' XXXX telling person on the phone that my account was compromised and that wasn't me disputing all activity, transaction or even possessing same XXXX device and making transfer of {$10.00} and {$1000.00} thru " XXXX '' I'm reporting fraud and asking agent to lock my checking account, she told me If i do that i need to change my all credentials which I did same night. Next day on XXXX XXXX I'm going to Usaa bank to talk to Usaa representative but i found my self in office with computer and phone that i can use to " talk to '' someone .I did talk to XXXX XXXX XXXX on the phone and she also told me that XXXX is still connected to my account and she will remove it and they agents will investigate my case. Next days I been on the phone hours with multiple usaa agents been transfer from XXXX department to another leaving numerous voicemail to agents that they supposed to talk to me asap assigned to my case witch they never get back in contact with me. I found denial letter on XXXX that i couldn't get excess until XXXX because my online account been suspended or locket again. In same letter said my claim submitted on XXXX been denied because they investigation shown no fraudulent activity found. XXXX closed. 
Today is XXXX XXXX spend XXXX hour on phone to get copy of documentation doing investigation so i can file report to police they told me I can get them by XXXX. and if i want to denied they decision i need to send proof of identity theft. They are so unprofessional and not organized. My husbands XXXX account been compromised same day with same XXXX XXXX but he got his money back and his problem was solved by XXXX representative same day. No problem no investigation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXk/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
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. (CA)

XXXX, XXXX, XXXX XXXX XXXX collection account no. XXXX is inaccurately and wrongfully re-aging the date of first delinquency on their acct. on EQUIFAX BUREAU. 
I have attached the exact same evidence XXXX saw to delete " for the retention period ''. 

10 days from today the 7 year retention period ends.Equifax in their most recent CFPB complaint ( attached here ) did not investigate as XXXX has done.This will not bode well for Equifax in court when the judge and jury is awarding punitive damages for more than 50 fraudulent verifications- ( according to the lawyer creditors ) XXXX  Legal did not consult their creditor for removal because sufficient proof of the re-aging was supplied here just as you have before you today.

So if not removed from EQUIFAX BUREAU BY XX/XX/20 please send a {$10000.00} check for damages.This is the max.limit small claims damages in my area.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX ( Sunday ) American Express called me 5 times to collect a debt, these calls have continued at a maximum of 10 calls per day from number XXXX after requesting that the calls stop and that the debt would be taken care within the next week, the debt collector proceeded to contact my employer 4 times within 5 hours revealing that they were collecting a debt and from what company they were from. When leaving work I received written notes from all the calls from American Express. The company has violated my rights