davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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. (SC)

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I had an issue related in the past, mailing in my payment to Citicards. This recent time, i mailed them a payment for my whole balance XX/XX/XXXX and when a week went by and it still wasn't applied to my account i tried to ask about via chat on their website, the representative was very unprofessional and didn't seem to want to take the time to research if my payment was indeed received. She just told me to cancel the check and send another one. I told her i didn't want to do that at such a late time. I tried to call and chat a few other times all not seeming to know how to help me or unwilling to. I finally was forced to pay again online the Friday, XX/XX/XXXX for the full payment i stopped payment of the check Monday, XX/XX/XXXX and of course after they " received '' the check. I had lodged a complaint on their fb page and entered a case where i was told i was going to get a response 2 days later. A week and half later they send me a canned letter response recounting that they received a check that was stopped payment on and if i want my payment to be received faster i need to pay for expedited shipping. I feel they had the payment and were not processing it as they are trying to push me to get paperless and autopay, they repeatedly send me emails telling me to get it and once switched my account to paperless without my permission. Their customer service is very bad and unhelpful.
Consumer complaint received 2022-02-08
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-27
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: TD BANK US HOLDING COMPANY (IL)

I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/202XXXX XXXX
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has started charging multiple fees for ATM transactions. I check my balance and withdrew some money and got charged 3 fees. I called the bank and got 2 of them reversed. However, this practice is abusive and their policy has changed without any warning.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I actually just found out about being able to do this after my credit has taken a huge hit from these credit card companies that claim to have a zero fraud liability feature on their neither do they ask me if a purchase is me knowing that i rarely use my credit card. I had lost my wallet some time ago as time passed i would notice one card after the other was getting used and so i have been trying to call these companies but they either say the purchase was me and that i have to pay it or that they are going to send an afraid it for me to sign and list the purchases but they somehow magically get lost in the mail so i thought until like the fourth time around
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-14
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. (MD)

This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.
Consumer complaint received 2022-03-14
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)

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Equifax, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Consumer complaint received 2022-03-14
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (MO)

Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (OK)

I am filing a complaint against Caine & Weiner. This company is in clear violation of the following and these debts should be removed immediately. The creditor did not verify the debt. I am exercising my right under the Fair Credit Reporting Act, Section 609, and requested information regarding items that are listed on my consumer credit report. The creditor did not respond within a reasonable amount of time nor provided me with a copy of my signature with the provider of service where I authorized a release of my information to Caine & Weine in the amount of {$640.00}. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature which has not been sent from this creditor. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt which has yet been sent. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. This company was unable to verify the account with the original contract, and the information should be removed Immediately!!!!
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (IL)

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX  amount : {$1500.00} date :XX/XX/XXXX 2.AFNI Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date :XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date :XX/XX/XXXX 5.XXXX XXXX amount :XXXX  & {$100.00} date : XX/XX/XXXX& XX/XX/XXXX 6.XXXX XXXX  every account
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/22, I contacted to Capital One to request a waiver of my annual fee. I have been a loyal customer closed to 15 years and asked that they be proactive and change my card profile after company waived the annual fee for the last 10 years. This year, they refused to remove the fee and also had no alternative products to offer as an upgrade for a person with excellent credit ( XXXX XXXX XXXX ) .After talking to two agents and being hung up during the call, I talked to an agent that processed ref # XXXX formal complaint. I received no response after they stated they would contact me within seven days on outcome. 

I called back on XX/XX/22 to ask about my complaint and no-one could find the reference inquiry. I talked to a multiple agents that refused to escalate my call. I also was hung up on during one call with a XXXX agent. I had my next call escalated from XXXX to XXXX and she processed my additional complaint where Capital One changed my due date and billing cycle. I assume they would waive the annual fee as they made predatory changes to my account by changing the due date to an earlier date. I asked for a new complaint to be escalated. They processed that complain reference # XXXX. They also did not respond within the committed 10 day XXXX. 

Lastly, I called today on XX/XX/22 and asked about a interest rate charge for a " purchase '' of {$0.00} cents. My account balance was XXXX and I made a partial payment to the annual fee awaiting a response to my previous complaints above. The company institute Unfair Deceptive Acts and Practices ( UDAAP ) by charging an interest on an annual fee which is not a purchase. The agent XXXX refused to provide me a reference number but did provide a case # XXXX after multiple requests so I could file a complaint with the CFPB.
Consumer complaint received 2019-07-31
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. (SC)

I demanded Experian verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX,
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

About the two accounts Private Student Loans of my Daughter and I am the Co Signee own by : American Education Services the amount are {$14000.00} and the other is {$15000.00}, its a Default since 2006. Right now in Credit reporting Agency is in accurate of the total amount??? ... ... Then this collection agency the XXXX XXXX XXXX .they buy the loan..is XXXX  balance and charge off ... .Now they sue me and there is Judgement already freeze my bank account and garnish my salary. and the Limit of Limitation passed Already and what i need is the Debt Validation ... Any help can be appreciated on you company ..Thank you very much
Consumer complaint received 2022-10-08
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. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, and on days prior to and after XX/XX/XXXX, Capital One has continued to call and harass me about an alleged debt. Capital One has also made calls to me at very inconvenient times. Capital One has violated 15 U.S 1692d and 15 U.S 1692c ( a ) ( 1 ).
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

I wrote a detailed letter to Midland Credit Management asking to validate my debt and provided several items needed to validate the debt. I requested them to stop all forms of contact except through written as well as not reporting on my credit account until the debt was validated. I then received a letter after months of hearing nothing back that answered none of my requests and regurgitated the initial request for payment, and then they proceeded to report the debt on my credit report.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (MA)

In XXXX as a brand new XXXX, I was approved for the military Star Card from the Army & Air Force Exchange Service ( AAFES ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from AAFES from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by AAFES, I called AAFES and was referred to XXXX XXXX XXXX, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The XXXX representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that AAFES do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her SSN. - I was at a XXXX XXXX XXXX  for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked XXXX for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX XXXX since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a XXXX XXXX XXXX XXXX XXXX  while receiving treatment.