davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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 confidentially under 15 USC 1681. 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.s 602 A. States I have a 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 2022-05-20
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: ALLY FINANCIAL INC. (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end plan as late for and purpose.
Consumer complaint received 2022-05-20
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. (CA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (FL)

On XX/XX/2023, I used the money transfer app XX/XX/XXXX to send a remittance overseas. Upon completion of the transfer, the money was debited from my account and I received amessage stating the transfer was in progress. After 45 minutes, my account to send transfer was closed and no further expalantion was given. My transfer now shows as pending cancellation. After speaking with a customer service agent, they stated a refund would be given but could not specify a date. The company has not answered my request for further information on why my account was closed and stated they would hold my information for 6 years.
Consumer complaint received 2019-07-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I Started an original application for VA streamline in XX/XX/2019 that one was situated with application due to misunderstanding. I submitted another application XXXX did not have most pleasant experience first processor XXXX XXXX you could not never get a hold of because voicemail was to full, emails never returned back, and he told me up front Navy FEDERAL was backlog that they were going take up whole 60 days.The loan should of straight forward with minimum documents needed. 
After reaching out to supervisor multiple times because it was impossible to get a hold Mr.XXXX  my loan application finally reassigned so I missed my 60 day lock rate due not having communication. I am on the verge not closing in timely manner which is causing me stress because I could of stayed with current lender do refinance way quicker because they my file ready to close but I turned it down because navy federal said I was closing on XXXX XXXX.I did not pay my current month because I was promised to close on that date. 
This journey has pure nightmare for someone that has a permanent mental condition.Even I close this month I am worried about potentially being 30 day late for XXXX payment.
Consumer complaint received 2021-11-14
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. (PA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and 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 your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2019-11-21
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: Automated Accounts Management Services (ID)

debt collection agency Automated Accounts Management Services acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from  Hospital XXXX XXXX XXXX in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, XXXX  allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.

I paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues
Consumer complaint received 2019-11-22
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. (MO)

My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX  {$410.00} 4 ) XXXX XXXX XXXX  XXXX  {$4000.00} 5 ) Dept of ED/XXXX  {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX  {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I am a XXXX XXXX XXXX XXXX  who has recently been harrassed for a financial issue I did not create. I am powerless to stop it, and my excellent credit is now going down. 

It began in the XXXX XXXX XXXX. 
XXXX XXXX sent a plumber out without me asking. I use XXXX for my AC maintenance so I trusted him. The plumbing salesman sold me a hot water heater to replace the one I have, which is currently working. It was to be installed in one week. The installation day arrived, and no one showed up or called. The next day I called them and cancelled the order. They said fine, and I also talked with the salesman so he knew, too. 

After a month had passed, I began receiving letters from a finance company claiming that I owed them money for a hot water heater. I reached out to XXXX for assistance, and an individual from the company expressed confusion about the situation but promised to investigate. Unfortunately, the following month, I received another letter from the finance company, sparking my growing concern. Since then, I have contacted BOTH XXXX and the finance company, known as Service Finance Company , LLC - EVERY WEEK. They blame each other and no one is helping the consumer- me! 

Now it is approaching 6 months and last month my credit, which was excellent, went down. That scared me, however I am never able to talk with anyone in upper management in either company. The managers are never available. In addition, they just don't care. I expressed frustration that I am powerless in their little game and it's affecting me more and more. 

Today I got a letter from the finance company me they will engage the law about the money that is owed. The person they are going after is ME, and I want to remind you that I do not have a new hot water heater sitting in my house. I never received anything from either of these companies! I don't know what to do. Can you please help me? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, fL XXXX XXXX
Consumer complaint received 2021-11-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (NV)

On XX/XX/XXXX I received a notice in the mail from Finance Of America reverse that my deceased mothers reverse mortgage was going to go into foreclosure unless I contacted them. I called them on XX/XX/XXXX and they instructed me to send an email to them stating that my deceased mothers estate had not yet gone to probate due to being held up in the courts due to Covid. I told them I could not apply for a mortgage in order to pay off their balance until my mothers estate and probate were settled in the courts. I got a response to my email generated from Finance Of America reverse that they would respond to me in 10 to 15 business days. They never responded to me.

Instead they want ahead with foreclosure without my knowledge without notifying me via mail or email.

I had to find out that the property went into foreclosure when I received two phone calls from realtors wanting to purchase the foreclosed property. 
My attorney states they applied for for closure through the courts on XX/XX/XXXX. On XX/XX/XXXX my refinance from XXXX XXXX paid off Finance Of America reverse the full amount.

That same day I received a phone call voicemail asking me to call Finance Of America reverse. I returned their call XX/XX/XXXX only to find out that I owed attorneys fees in the amount of {$1500.00} and I needed to pay it that day XX/XX/XXXX by XXXX XXXX East Coast time or they threatened that my entire XXXX XXXX payment that had been posted to the reverse mortgage account would be sent back to XXXX XXXX  and I would have to start the entire XXXX XXXX refinance process all over again. 
I scrambled that day XX/XX/XXXX to get to a bank that could make an appointment to do a wire transfer for me. Had I not paid the {$1500.00} they threatened me that they would return my XXXX XXXX payment back to XXXX XXXX and I would have to start the entire XXXX XXXX process all over again. 

I do not think I was given proper notice by Finance Of America reverse that this property was going into foreclosure. The only notice I got was on XX/XX/XXXX via US mail that I had to take action which I did at that time by calling them up and sending them that email I described above. 

I feel I should get a refund of the {$1500.00} attorney fees returned to me. My attorney states I should not have had to pay the {$1500.00} attorney fees. 
My attorney states I should track down the attorney at Finance Of America reverse and report them to the state bar association.

The Finance Of America reversess company I dealt with was out of XXXX Michigan. The attorney for them is listed as XXXX XXXX XXXX XXXX. I need to find the attorney responsible for not appropriately documenting and notifying me this this property would go into foreclosure. 
I need to get a refund of the attorneys fees of {$1500.00}.
Consumer complaint received 2024-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/2023, I filed a dispute with a late fee that appears on my credit report from Kohls. There was fraud detected on my charge card. Kohls customer service confirmed the fraudulent charges and advised NOT TO PAY any bills associated with this fraud until it was investigated. During this time, I received late fees from Kohls for {$4.00}. I disputed this fee with Kohls and they removed the fee with XXXX balance. However my credit report was affected and my score decreased. I filed a dispute and XXXX who verified this fraud, however my score decreased because of this. The investigation did not remove this late fee off my credit report and it remains today. I have never been late on any bills and this should be totally removed from my credit report. I have contacted Kohls who refuse assist in any manner.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I made a balance transfer on my Bank of America cash reward credit card earlier this year and the promotion rate will be expired in XX/XX/2020. I have been paying the minimum payment to fulfill the term and condition. However, I used this card for a purchase in XXXX and the credit company starts charging me interests in the past 2 months even though I learned their new purchase term and paid off the purchase. Now, this month, I still demand to pay interests for that purchase. 

I am totally frustrated by the way that the credit card company demand for interests on a new purchase. This is absolutely a rip-off.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

Paid off balance. I always got paper statements although rep says that I opted out of paper statements. Paid off balance, was not called apparently because there was no consent agreement to call me. Went through consent agreement to call me with rep. Then called Discover to rectify issue because I never had a missed payment and this was all miscommunication. I informed them that I spoke to rep that said that was my payoff and was not informed of residual interest. They then informed me that they did not see any record of that phone call. Then informed me that they still did not have consent to call me, even though I went through it with previous rep. Informed them that there is a lot of mess up and miscommunication within Discover, which is what led me to a negative inquiry on my credit report. Stated that same way Discover has no trace of my phone call for pay off, is the same way they have no consent to reach out to me even though it was completed. Rep from web services says she saw the consent was completed and a copy was sent to my Discover inbox XX/XX/2019, however on other end was being told it was not done. Informed them that this is a mistake on their end and they should fix the reporting especially after being a customer for over 5 years and not one single missed payment, then paying off balance and getting hit with negative inquiry, manager would not budge. Told me that he was sorry I felt that way but it was reported accurately. I informed him that I just paid off over {$2000.00} debt, I would not run from a {$43.00} payment as my email shows. Although previous rep noticed the miscommunication and removed late fees and took my payment immediately. However through all of this, Discover raised my credit limit to {$4000.00}. If I did not have a great payment history, and if this does not seem to be a miscommunication on their end, why would a creditor raise the credit line for a consumer that is bad about making on time payments? The response to that question was oh wow. Im typing this as I am waiting on hold with discover for over an hour to get a copy of the original consent agreement that their web services see was in my inbox, however they have no trace of. screent shot of that was also included.
Consumer complaint received 2022-05-18
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have been disputing the following debt " CREDENCE RM '' aka " XXXX XXXX XXXX XXXX  '' for over 120 days and have sent 4 rounds of dispute letters stating that the unverified items is in violation of federal law and is being reported incorrectly on my credit report. They have yet to show or provide me with any proof that this debt belongs to me. The first dispute was sent out on XX/XX/XXXX the second rounds of disputes was sent out on XX/XX/XXXX, the XXXX on XX/XX/XXXX and the final dispute was sent out on XX/XX/XXXX.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (CA)

XXXX lost a credit card dispute with XXXX XXXXXX/XX/XXXX card for {$150.00}. The XX/XX/XXXX company was trying to give me {$80.00} inXX/XX/XXXX instore credit which I have no use for. I used the XX/XX/XXXXservice for 10 days only then canceled it.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX XXXX a 3rd party collections company for Target sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.