davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (TN)

1.I have never had an account with this company FROST ARNETT XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FROST ARNETT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX  XXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX   XXXX {$3000.00} not mine XXXX  XXXX XXXX XXXX {$820.00} not mine XXXX  XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX   XXXX {$1000.00} not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

The creditor, XXXX XXXX XXXX XXXX of XXXX University, has contacted me repeatedly throughout XXXX attempting to collect a debt they allege I owe. I resigned from their organization in XXXX of XXXX. I responded to every email with a request for an itemized bill of my " outstanding balance '' but was never once received a response. My last contact with them directly was XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from TSI systems stating I owe {$190.00}. I later received what I believe is supposed to be a Notice of Debt from TSI, but it did not include any itemized or detailed information about the debt in question. It listed the account number and amount due but no further details. I believe the pursuit of debt in question is invalid on the basis of never receiving a requested bill in the first place, but it is my perception that TSI has violated the new regulations under the FDCPA.
Consumer complaint received 2017-04-24
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: REGIONS FINANCIAL CORPORATION (GA)

I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by XXXX which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On approximately   XXXX   XXXX  . When I requested a new card and reported my husband 's death. They informed me since he was the main card holder that our points dropped from  XXXX  plus this month 's statement to  XXXX . I told them that they used both of our incomes when the card was applied for, but they saw his death as a way to delete some points that they would not have to pay out. On a phone call on   XXXX   XXXX  , I was harassed by them when they would not give me my account balance after I gave them all the information required. Every person I talked with was extremely rude and not compassionate at all. They used my husband 's death as way to make money.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My consumer reports from XXXX, XXXX, and Equifax contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

XXXX Reports containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (ID)

I was in an XXXX Retail store on XX/XX/XXXX and during checkout I was told I could apply for an instore credit card and receive 20 % off my first purchase. I was not immediately approved and was told it had to go to secondary review. Roughly a month later, I received my card in the mail with promotional material advising that I would get 20 % off my first purchase. I made my first purchase on XX/XX/XXXX. During checkout, I said this is my first purchase, please make sure I get my 20 % discount. The store clerk advised they could not apply that discount for me and that I would need to call customer service for a code. I called customer service and was advised to go ahead and make the purchase and it would automatically be credited on my statement. I proceeded with the {$960.00} transaction. Then, I never received my first statement. I started receiving text messages and phone calls. I called right away and questioned my discount and now the assessment of late fees and finance charges. The phone representative said I needed to use a code in the store in order to get the 20 % off and that I should have received it by mail ... I paid my purchase balance in full and I was under the impression they removed the fees. This was not the case. Only a partial credit was provided and now there is an additional late fee and finance charge on my account. They have refused to remove the fees and have only issued a dispute on my initial purchase as of today, XX/XX/XXXX to get my 20 % off.
Consumer complaint received 2018-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: E*TRADE BANK (WA)

I originally obtained this HELOC loan through E-TRADE mortgage back in XX/XX/XXXX because I had a huge hole in the front of my house due to water damage, so I was desperate. E-TRADE offered to help but I was skeptical because when I tried to tell them my income over the phone they would put me on hold then com back and say, " oh so you make XXXX a year, '' which was about XXXX more than I made but I went with whatever game they were playing cause I needed the money. In XX/XX/XXXX I filed for bankruptcy and all my debt was discharged accept the HELOC, it was reaffirmed. Now the only advantage for me to reaffirm that loan was to help rebuild my credit and by law the lender is required to report my payments to the credit bureau. They did not. I brought this to their attention several times but they continued to treat my loan like it was discharged. So fast forward to XX/XX/XXXXand E-TRADE raises my payment from {$260.00} a month to over {$900.00} on a {$82000.00} loan. I called them and told them there was no way I could pay that. It was way more that my 1st mortgage. I tried to get them to work with me but they were nothing but rude, so I quit paying. It was the only way to get them to work with me. 18 months later I found out they sent my HELOC to XXXX, a debt collector/loan servicer for discharged loans. I have tried to settle with them for a lesser amount a few times through refi but each time my financing fell through. XXXX had approved a settlement 18 months ago for {$35000.00} but once again financing fell through. I now have financing in place and offered them even more, {$37000.00}, but this time they said they want {$90000.00}. So here I am with a loan that they never reported any payments on in 9 years. This loan should not be tagged as a reaffirmed loan since it was never treated as such and I should not be accumulating overages and past due amounts over the bankruptcy amount of {$82000.00}. I would really like XXXX  to honor their agreement that we had to settle at $ XXXX or for this loan to just go away. I tried to due the right thing and make my payments after bankruptcy and have not missed any payments on any of my loans accept this one. I really feel I was forced into a bad situation and ETRADE never followed the law on reporting. It's too late to report 9 years after the fact and it would now hurt all the repairs I have done to my credit. I need some help. 

XXXX XXXX
Consumer complaint received 2022-08-10
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-10
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Paypal, so far the most complained among the virtual currencies, blocked my account without any explanation or logics on XXXX 2015 and it is still blocked after my several attempts to have it unlifted!! Paypal, following its tradition of doing ridiculous and stupid things, is keeping the restrictions on my account and it seems nothing can be done in order to be able to make transactions in my account! I am unable to send payments as well as receiving payments and without any explanation from Paypal! I only get nonsense words from Paypal agents on the phone, whatever they state is contradictory and incoherent and when I want to speak with a supervisor I get cut off!! I posted a complaint in this website : http : //www.paypalcomplaints.org/ but Paypal remains completely passive on it, shameful!!!
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was looking for a sublease for 4 months and got into contact with XXXX XXXX through XXXX XXXX XXXX XXXX XXXX page around XX/XX/2022. She said that an apartment was available in downtown XXXX, and connected me to XXXX XXXX. XXXX XXXX contacted me and said that there was a furnished apartment available at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. She said that I had to pay the security deposit {$600.00} and first month 's payment, {$1000.00} upfront. I sent the money through XXXX, XXXX, and we signed the contract, providing that a sublease agreement has been created and that I could move in on XX/XX/XXXX. A few weeks later, XXXX XXXX emailed me, insisting that I had the pay the second month 's rent as well, saying that it was the landlord 's request. I refused because it was not specified in the contract. It was odd that she asked for the 2nd months payment ; I've never had a landlord asked me that. I contacted the numbers on the contract and they didn't answer. I found XXXX 's property site on XXXX, and when I asked to speak to their employee, XXXX XXXX, they said that she never worked there. I sent them a copy of the contract that I signed, with XXXX XXXX ' logo on it, and they said that it was a fake. They said that XXXX XXXX had nothing to do with this contract and that I got scammed. 

I contacted Bank of America regarding this issue and told them that this was a fraudulent transaction. They refused to return the {$1600.00} that was sent via XXXX