davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
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. (MO)

TransUnion has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Was scammed for XXXX by an individual by submitting a deposit to their account at Wells Fargo from my account at Wells Fargo. Made deposit on XXXX21 ... .found out and notified Wells Fargo on XXXX21 and asked them to challenge transaction. Followed up on XXXX and Wells Fargo said there isn't anything they would do that it becomes a civil matter ... even though they have the ladies account info and everything..they wouldn't freeze her account or take any other action for me. Doesn't seem appropriate ....
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-04-06
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: AMERICAN HONDA FINANCE CORP (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hard Inquires on both XXXX XXXX and XXXX  that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX Coaf  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my credit report from transunion and XXXX and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have submitted the attached documents to Equifax, XXXX and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX XXXX. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (FL)

I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft and I have filled out a report with the CFPB also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 



I demand that the following accounts be verified or removed immediately : The following account is not mine Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

XXXX XXXX/Zellepay.com sent money thinking I was purchasing an item and was scammed for {$1600.00}. I didn't receive product out {$1600.00} and my bank of 25+ years won't reverse the charges. It was stated no error occurred. I didn't receive the product and was scammed out of my money. When speaking with customer service representative, they should be required to ask questions to deter fraud. Do you know this person? This can't be reversed? Something put in place to protect people and their hard earned money. Being a customer and never using a product such as Zelle and making large transactions should be some hold before the money is sent. This happened on XX/XX/XXXX. There needs to be some form of protection or products like this shouldn't be legal.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

Received letter from Perdue Brandon Fielder Collins & Mott LLP on unsubstantiated & false traffic ticket debt with threat of court action leading to arrest. No option to verify debt and they didnt properly disclose themselves as a debt collector. Also Texas Statue of Limitations on traffic tickets is 2 years and any tickets since I last was in the town they claimed would have been nearly 20 years ago so the debt is also invalid due to this. They didnt mention any details about debt owed other than a case number and the city. They are impersonating a government Mandated official. Possibly impersonating as the court or as my lawyer by making me enter a Guilty/Not Guilty Plea.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

15 year customer with Bank of America, past three years have been problematic Online notifications not working, causing overdrawn fees, only getting paid 11 months out of the year as a teacher and getting charged a maintenance fee since no autodeposit in XXXX every year. 
When called to speak to customer service always had to escalate to a supervisor Was told my account was flagged and blocked for any credits by numerous representatives the last few years. 
When I tried to close my savings and checking account by transferring money out I was immediately ( within 24 hours ) charged a monthly maintenance fee even tho the minimum balance {$300.00}, was in the account until the XXXX of the month and I called to close my account on the XXXX. 
The account was fully compliant for 12 out of the 15 days for this month. 
I was not able to close this account since there is a negative balance. 
Again after speaking to a supervisor no credit or proper solution was offered Its a {$5.00} charge. 
I was told that if I didnt pay the negative balance that it would go to collections
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (VA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

company involve is transunion they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account XXXX XXXX account XXXX XXXX account XXXX transunion did not enter notice of dispute this is a violation of section 623 of FCRA
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (WA)

Highlands Mortgage sent me a note that they are selling my mortgage to another company giving me just 6 days notice ( The requirement is 15 days ). Their letter arrived in the Mail on the XXXX, and the Mortgage transfers on XX/XX/XXXX. This, I believe was done in retaliation for my having told them of my plans to complain to this bureau on another issue ( CFPB : Complaint ID XXXX ) tied to their not having credited to me an extra payment for over 90 days, and still counting. The letter that they sent me was dated XX/XX/XXXX, which I believe was pre-dated to cover their bases, because on the XXXX itself, they last communicated to me they were still working on the said issue, and they could have just as well told me then that they were planning to sell the mortgage to another company. 

The issue at hand is that the mortgage is being sold to another company while we have an outstanding issue that hasn't been resolved, in this case, they are the debtor and owe me my money. Instead of resolving the issue, they are selling my mortgage to another company to avoid having to meet their debt obligations. 

I need the company to issue me a full accounting of all of the payments they have taken from my bank, including the extra payment, in writing, and an explicit statement, that my payments are one month ahead of due ( i.e. I am asking that the letter state that I am paid through XXXX, if the transfer is due to happen XX/XX/XXXX.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There is an account that is showing up on my credit report that is reporting wrong information. I have contacted the XXXX  and they said they do not fix credit bureau items. I have asked Experian countless times to remove this account from my report as it is showing wrong information. They send me letters saying the account was verified by the client. Yet they are still reporting the wrong information.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
Experian reports XXXX XXXX reports XXXX XXXX  reports XXXX
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Hi! My Paypal account has been permanently limited without any reason and I am unable to get any help from PayPal support. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. As I am well aware of the rules and policies by PayPal, I always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. I have not broken any of the user agreements or done anything wrong that led to my PayPal account being permanently limited. I am a website designer and work for my clients for designing the website and accept payment through PayPal. I have not done anything wrong. I would request PayPal to please re-investigate the matter and help me to restore my account. The email associated with my PayPal account is : XXXX XXXX
Consumer complaint received 2021-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (TX)

about XX/XX/XXXX, my American Express Serve debit/credit card was stolen near XXXX, Texas. In XX/XX/XXXX when I realized this, I contacted American Express and had the card suspended and a replacement sent to my mailing address. I know the name of the parties who stole the card and provided this to American Express. I submitted theft/credit card misuse complaint report with XXXX, Texas, police department about XX/XX/XXXX as is required. I provided all relevant info to XXXX, Texas Police Department and this complaint was sent to a Detective in the department ( Fraud Department ). I opened this account about XX/XX/XXXX. This account card is used as a debit and credit card, both and often the user must show identification to use the card for transactions, therefore, this case involves Identity Theft. The thieves in this case also were in possession of my state issued identification card and social security card, as well as insurance cards, etcetera. This account has Fraud Protection on it. American Express informed me about XX/XX/XXXX that I had to submit a completed Declaration of Fraud form, including for every fraudulent transaction that occurred during the time the card was out of my possession ( from XX/XX/XXXX to XX/XX/XXXX XXXX, which I did. This took several months. Over the course of the next couple of years, at some point I was also informed that I had to write a letter to the American Express Serve Office ( Account Protection Office ) in Georgia, which I did do. Fact, I was a XXXX XXXX XXXX  and was involved in several civil law cases during this time period, as still am. The files pertaining to this case and some others keep getting stolen, causing problems in proceeding with resolution in this case. After repeated attempts, American Express stubbornly refuses to return the stolen funds ( more than {$5200.00} ) .. The persons responsible for the theft are ex convicts with history of these kinds of thefts. I have made it clear to XXXX Police and American Express that I am willing to work toward prosecuting these individuals, including so that they can't do this to anyone else. American Express 's refusal to return these funds, even temporarily, is hampering prosecution on this case. In the meantime, the card as stolen again ( in XXXX ) and the thieves stole more than {$7200.00} from this account during a 9 month time period. As a last resort, I turned to the Texas Department of Banking regarding American Express odd handling of this case. From there I turned to the Office of the Comptroller of the Currency, who referred me to your agency. I am only asking for return of the {$5200.00} ish funds stolen from this account during the 5 month period the thieves were in possession of this card. American Express is in Breach of Contract on this matter. Respectfully
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have tried to fix this problem with all companies including 3 major reporting Bureaus XXXX, XXXX, and Experian with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am demanding these accounts be deleted from my report.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NV)

XX/XX/18 I contacted Hunter Warfield acct # XXXX XXXX XXXX they advised my account is being handled by an Atty office XXXX XXXX XXXX XXXX XXXX, XXXX that which I contacted advised that I'm a XXXX veteran and they advised the account is in pre-litigation I advised I would like to settle the account for {$1000.00} they told me to send over a financial analysis of my debt to income ratio which I did and haven't heard a response back. This kind of tactic of threatening to take me to court due to I had to move out of the apt due to I was injured on XXXX XXXX I incurred a XXXX injury along with XXXX side XXXX and they were aware of this and still continued to access me charges to my account and they also knew that my status was under Servicemens Civil Relief Act and didn't make the necessary changes to the account. This has continued to cause me and my family mental aguish and has affected mine and my spouse XXXX XXXX credit horribly. There scare tactics and not looking into someone's status especially dealing with health issues and charging unethical fees of adding on military discount fees back to our lease because we had to move out and not honoring the SCRA status of terminating my lease. Your attention and assistance to close this matter once and for all. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX