davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (OH)

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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name Ohio department of human services Account number XXXX Account name XXXX. XXXX XXXXXXXX Account number XXXX Account name 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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.

15 U.S.C 1681 ( A ) ( 3 ) look XXXX XXXX made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

Beginning on XX/XX/2019 there were 8 unauthorized charges to my business checking account ( XXXX XXXX XXXX ) with BBVA Compass. I immediately contacted the banks fraud department to make them aware. Since the charges were still pending they advised me to deactivate the debit card that the charges were on and call back once they posted. on XX/XX/XXXX all the fraudulent charges were posted to my account and a total of {$2700.00} was deducted from my account. I immediately called the fraud department back to dispute the charges. I was told I would receive an email to confirm the dispute. I never received the email so a week later I went to my local branch on XXXX XXXX in XXXX TX. They told me they would take care of it and I would hear from them in a day or two. My local branch never called me back so I returned 2 days later to speak to the branch manager XXXX XXXX. XXXX assured me this would be taken care of and she would be in contact with me in a day or two. I never heard back from XXXX so I called her again on XX/XX/2019 for her to tell me that she could not help me and I needed to call the fraud department again myself. I called the fraud department at XXXX to ask why I still had not received my {$2700.00} back into my account. The fraud department told me that my dispute is being denied because Visa said it was verified. I explained that I without any doubt never made these overseas charges and I demanded to see proof that I made them. The man on the phone told me I would receive all the information in the mail. What I received in the mail did not provide any proof that I authorized these charges only a letter stating they were denying me. I also asked him how I can dispute this and he said for me to XXXX it or contact my local police department to file charges. Below is the breakdown of the fraudulent charges. 

XX/XX/2019 {$1100.00} XXXX XXXX XXXX XX/XX/2019 {$510.00} XXXX XXXX   XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$33.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX I never authorized any of the above transactions and strongly believe that BBVA Compass is not abiding by the contractual agreement they made with me in protecting me against fraud. BBVA Compass must reimburse me for the total amount of {$2700.00} according to my agreement.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (IL)

It appears that the Company Rent Debt Automated Collections, LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and XXXX XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

I, XXXX XXXX am speaking for myself in this claim. IC SYSTEM is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. I C system is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to IC system for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received an automated voicemail from " XXXX '' from " The Underwriting Department '' regarding my Capital One credit card. They claimed that based on my payment history I qualified for a 1.9 % interest rate, that I just needed to call back and provide additional information. They said that it was the only call I would receive about the offer and that the offer would expire in 3 days. The phone number provided was XXXX. 

I did not call the number back, I called Capital One. They have launched an investigation.
Consumer complaint received 2018-11-13
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. (NY)

Today XX/XX/2018 I received from Experian credit reporting agency the results from an investigation. Experian did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. Experian writes they have updated the information and review my report. First off this XXXX  XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I recieved a notice from USAA federal savings banks that they are going to close my account because it is currently overdrafted. 

I have been so XXXX XXXX Never over drafting and managing my finances like an expert. THEY KNOW EXACTLY WHEN AND HOW MUCH I GET PAID. 

Yesterday I filed a complain regarding Title 15 chapter 41 and now it seems they are immediately retaliating against me. Keep in mind that complaint : complaint XXXX i stated that I have continuesly been financially prepping to avoid negative accounts and sustain a modest and meek living. 

The information i provided is true and full in detail and I swear under law and purgery that it is accurate. 

Letter details from USAA : XX/XX/2023 XXXX XXXX XXXX, USAA is committed to keeping you informed about important changes to your account. This notice is to inform you that your USAA Federal Savings Bank account ending in XXXX is overdrawn in the amount of {$190.00}. Under the terms of the Depository Agreement and Disclosures, you agreed to resolve any insufficient funds immediately. If you fail to bring your account to a positive balance, we will close your account. If you have questions or believe an error occurred, please contact USAA immediately. Thank you for allowing us to serve you. Sincerely, XXXX XXXX XXXX Assistant Vice President, Member Debt Solutions USAA Federal Savings Bank If you have declared bankruptcy, call us immediately at XXXX so we can honor all provisions of the United States Bankruptcy Code. If you are outside the U.S., call us collect at XXXX. USAA is required by the laws in some states to inform you that this communication is from a debt collector attempting to collect a debt, and any information obtained will be used for that purpose.
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

My current FHA backed mortgage is being serviced with BSI Financial Services. When Covid hit, our income was significantly impacted. We called BSI Financial asking them about our options. They had us download the Loss Mitigation application, but we never filled it out. We then called and asked again what our options were as we are still currently experiencing a hardship. BSI told us that they do not offer forbearances, and that paying our mortgage was the best  option for us. On XX/XX/, we sent an email asking again what our option are for a forbearance explaining to them the hours and income had been reduced significantly. They never responded to our email request. On XXXX BSI called my work, reaching my manager, and  having him tell me that I need to get in touch with BSI and to call them at XXXX. We were not able to pay the full amount of our payment ( we were {$300.00} short ), and they said that we had 3 months to pay that remaining {$300.00} over 3 months, but if it went over the 3rd month that it would be a bad situation. Our credit has now been impacted significantly, even though the CARES Act allowed forbearances on all federally backed mortgages, and a  freeze on foreclosures.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i had did many complaints with bank of America and is ongoing thing. i feel my identity been robbed of my credit card i want a full investigate because i did so many complaints and never was resolve. i been a client of bank of America two decades i never paid late. and i don't know my bills doesn't get low. my ability i cant i need to now who is robbing my credit and the minimum is XXXX but i pay XXXX every month to get off the amount of money i owed. to get of my debt but what i see the account don't get low i see something not right i be paying i already try talking to bank of America about my complaint of my credit card but still nothing gotten resolve. also i call the credit card number i speak to the operator and still they don't resolve my complaint. i need a full investigation whats going on i feel my identity been robbed. please thank you.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I made a cash deposit using a Drive-thru ATM at XXXX, PA on XX/XX/2019 around XXXX. I deposited {$1100.00} at first time and the ATM returned {$100.00} back to me, then I put another {$2000.00} then closed the whole transaction. I found out it only showed the system took {$2000.00} not the {$3000.00} in total on the same day. All {$3000.00} are 30 latest version of {$100.00}. I just got them at a bank from XXXX. The money is brand new. I called the Wells Fargo and made a claim on XX/XX/2019, but they refused my claim on XX/XX/2019. 

Based on Regulation E Electronic Fund Transfer Act from Federal Reserve System,  " the financial institution determines that no error occurred or that an error occurred in a different manner or amount from that described by the consumer, the financial institution must mail or deliver a written explanation of its findings within three business days after concluding its investigation. The explanation must include a notice of the consumers rights to request the documents upon which the financial institution relied in making its determination ( 12 CFR 1005.11 ( d ) ). '' I requested the detailed investgation information from Wells Fargo. After multiple phone calls and long waiting time, I only got pages of time list with unexplained code and no any data shown.
Consumer complaint received 2022-04-04
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. (GA)

I sent a letter to Equifax disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Equifax to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Consumer complaint received 2023-03-22
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. (FL)

This is an issue with only Equifax Legislation was passed last year XX/XX/XXXX regarding changes to medical debt collection. The specific change that I am referring to is the removal of all medical collection debt from an individuals credit bureau file if the debt is less than {$500.00} I notified Equifax several times and the latest was on XX/XX/XXXX and followed up on XX/XX/XXXX. Case number XXXX I requested and requests for them to remove the {$240.00} medical collection being reported by XXXX XXXX and XXXX. It is even showing the account opened on XX/XX/XXXX and update on XX/XX/XXXX. This should not even be an issues. This is supposed to be REMOVED per the legislation that was passed XX/XX/XXXX. I have gotten nowhere on the phone and spoke with three supervisors. I was told we will get around to it in the second half of the year UNACCEPTABLE
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

American Education Services has been unable to locate my student loan payments that I made through wage garnishment and tax return withholdings. I defaulted in XXXX. I paid {$510.00} every month from XXXX to XXXX. I took the loan out of default in XXXX. American Educational Services has no information about all the payments I made during those 15 years. I have saved pay stubs from my employer but no idea where the money went. Please help me. 20+ years and I still owe {$25000.00} more than I originally borrowed
Consumer complaint received 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GAMACHE & MYERS, PC (AR)

Debt collected lawyers trying to sue over an old debt around {$14000.00} from several years ago. I believe the year was 2016. Sending direct letters to judge requesting a final hearing.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM ASKING THAT YOU KINDLY REVIEW THESE ACCOUNTS AGAIN. THESE ACCOUNTS DOES NOT RELATE TO ANY CONTRACT AGREEMENTS MADE BY ME. I DO NOT KNOW OF ANYONE WHO WOULD HAVE HAD ACCESS TO MY INFORMATION TO BE ABLE TO DO SUCH A THING. THESE ACCOUNTS ARE CAUSING A GREAT DEED OF STRESS ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THESE ACCOUNTS REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one. Has not fixed the issue .. 2 cards open in my name without my knowledge by someone I know. I went to purchased house saw the cards on my credit report. I paid them down. Now the cards are maxed out. Over {$4500.00} on the cards. I dont even have the cards in my possession. I dont shop at XXXX XXXX, XXXX, XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BUDGET CONTROL SERVICES, INC. (CO)

I was served more than 6 years ago and then the debt was renewed after I made a settled amount with the original creditor for 3 times what the original debt was. I made contact with Budget Control Services to get further information, XXXX XXXX was very abrasive and rude. I provided them with all my documentation, offered to settle with them immediately and got no where. I forwarded the information to our attorney and financial planner and they were bewildered as to why they wouldn't settle. Then, my husband was served with a wage garnishment. Again, I called and offered to settle and they gave me a completely different amount than what the garnishment was submitted for. 
I told him, again, that I was going on the advise of our attorney and he stated " Your attorney is an XXXX and needs to go back to school to learn to read and write. '' I asked for a supervisor because I was done speaking with him. He responded " No! I'm done with you! '' and hung up. I finally got a hold of a supervisor and am still trying to work this out with him as I am still getting a different story every time I call.
Consumer complaint received 2019-06-12
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)

Back in XX/XX/2019, I attempted to contact Transunion to let them know I was a victim of identity theft. They have ignore my letters and have failed to remove bogus information from my file. ( which I know because they updated accounts to consumer disputes ) In accordance accounts which were opened by fraud within 4 business days, per FCRA Section 605B, my rights have been violated and I am now ready to seek legal help. This situation has caused me a bad reputation and being embarrassed and turned down. 

I have also attached the documents sent to Transunion below, have faith that they will correct the problem and clear my name from this bad dream