davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-07
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)

I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NJ)

i received a call on my phone from a person claiming to be from Citi bank fraud department. This individual made inquiries into the charge on my account. This unknow individual was convincing and ultimately was able to convince me that he was going to transfer {>= XXXX} into her account which he gains access to. He then had me transfer through XXXX $ XXXX an outside account. This individual becomes rude after being on the phone for about half hour. I called Citi bank and learned that I was not talking to Citi bank associates but rather had been the victim of a fraud.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

XXXX XXXX said they would not make a hard or soft inquiry if I completed a loan application. I filled it out and did not get a loan. They lied and did report it on my credit and I want to file a complaint against XXXX XXXX for being untruthful and marking my credit when they said they would not. 

Please keep these corrupt companies in line and make them not hit someone credit when they promise they will not. Thank you
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NV)

On XX/XX/XXXX, I sent a certified letter to Capio Partners asking them for debt validation of the an account, as I never received any bills prior to debt of {$540.00} hitting my credit report. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the medical service provider.

The documentation included 4 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX Hospital and Medical Center ) They have violated the regulations of the HIPAA Act of 1996.

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
Consumer complaint received 2022-09-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TN)

I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (PA)

n accordance with the Fair Credit Reporting act 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 2021-07-13
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. (NM)

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/XXXX-XX/XX/XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (LA)

I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.
Consumer complaint received 2017-01-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The basis of my complaint is that Fidelity Creditor Service has been reporting against my credit since XXXX without valid proof of debt. 

In spite of their claims to the contrary they have never provided any proof. Since I know for a fact there was never any agreement between me and the supposed original creditor it is impossible that any proof could exist. Since XXXX FCS has been trying to force me to pay them {$9300.00} without a Contract or Agreement, Signatures, Invoice, or Court Order. Nothing in the documents they provide implies, suggests, or proves a debt for any amount is owed by anyone. They continue to illegally report against my credit trying to force me to pay them {$9300.00}. 

This was totally substantiated by the documents they eventually did send me due to the complaint I filed with the CA XXXX in XXXX, XXXX. In their accompanying letter FCS suggests that if any questions I should contact the original creditor XXXX XXXX. I have informed FCS many times the original creditor XXXX has been out of business nearly 3 years. I have repeatedly requested from FCS updated contact info. Call the phone number they provide and hear for yourself it is no longer in service. A perfect example of how FCS tries to intentionally mislead and misdirect. Copies are included. 

Fidelity Creditor Service insists a proposal form and filings for dismissal of a small claims court case is considered a valid debt. This filing clearly shows me as the plaintiff and the supposed original creditor as the defendant. She in turn was going to countersue. Both cases were dismissed before going to trial. A quick search of XXXX County public court records using the case number provided from FCS clearly shows the entire case dismissed. A copy is included. 

In XXXX, XXXX I filed a complaint with the CFPB against Fidelity Creditor Service in an effort to force them to provide to me proof of this debt. They could have just simply sent it to me but instead uploaded a reply full of inaccuracies clearly designed to confuse. Their reply states they have validated this debt and are quite satisfied having it remain on my credit. 

To help illustrate the frustration dealing with the ongoing FCS lies and deceit I am including a page from my credit report. It is the result of an XXXX request sent in XXXX, XXXX to FCS on my behalf to validate this debt. A copy is included. 

I am also including documents that while not directly connected to my situation illustrates how FCS has a proven history of a complete lack of moral or business ethics to attack unsuspecting consumers. It is my opinion the XXXX/FCS operation is unlawful and predatory. They advertise that a consumer 's credit will be reported against for a small fee while taking no responsibility whatsoever regarding debt validity. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (FL)

This is not a duplicate complaint- This correspondence serves to address and distinguish from previously filed complaint # XXXX Subject : Clarification and Legal Challenge Regarding Vehicle Repossession Threat by Navy Federal Credit Union To Whom It May Concern, This correspondence serves to address and distinguish from previously filed complaint # XXXX, This is not a duplicate complaint. It is my understanding that Navy Federal Credit Union ( hereafter referred to as " Navy Federal '' ) is considering the repossession of a vehicle that has been legally discharged. This action is a result of Navy Federal 's refusal to acknowledge and process the negotiable instruments I have repeatedly submitted. 

In several instances, I have provided affidavits, duly signed and sealed, to Navy Federal 's principal, outlining the details of the consumer credit transaction in question. To date, these affidavits have neither been acknowledged nor responded to by Navy Federal, thereby placing them in a position of default. I have requested, without success, that Navy Federal furnish documentation substantiating their legal claim to United States Dollars as a part of this transaction. 

This matter bears resemblance to the case law established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where it was recognized that the banking practices involved in creating money or credit on the institution 's books are standard. Despite this precedent, Navy Federal has failed to provide any lawful justification under United States statutes for their actions.

Moreover, Navy Federal 's communication regarding my account states that the information provided is for compliance and/or informational purposes only, and not an attempt at debt collection. This conflicts with the threatening nature of the communications concerning vehicle repossession, which is causing undue emotional stress and XXXX. 

It is important to note that the vehicle in question is part of a Trust recorded in XXXX XXXX, FL, holding the first lien, and is thus protected against repossession. Despite requests, Navy Federal has not provided necessary information for initiating arbitration in this matter. Additionally, Navy Federal 's actions app
ear to be in violation of Title 15 USC 1692, which prohibits abusive, deceptive, and unfair debt collection practices, and Title 15 USC 1692f, which prohibits the use of unfair or unconscionable means in debt collection. Specifically, Navy Federal 's engagement with a third-party for repossession efforts may infringe upon 15 USC 1692f ( 6 ), which restricts nonjudicial actions to dispossess or disable property without a present and enforceable security interest.

I am seeking immediate clarification and remediation regarding these matters and anticipate a prompt and lawful resolution. I am also seeking the title to my vehicle free and clear.
Consumer complaint received 2022-04-01
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. (PA)

n accordance with the Fair Credit Reporting act 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 2018-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I originated a wire transfer on XX/XX/XXXX to a company called Coinbase to invest the money in cryptocurrency. I followed the exact instructions and wired {$4000.00} from my checking account to my Coinbase account. I confirmed with my bank that the wire was completed and also called the recipient bank XXXX XXXX XXXX who also acknowledged receipt of the wire on the XX/XX/XXXX.

As of today, XX/XX/XXXX, the money has not been credited to my account and all inquiries go unanswered. I have attached the wire information for your information : The wire originated from XXXX XXXX XXXX XXXX Transit Routing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX Confirmation Number XXXX From Account XXXX To Account XXXX Wire Processing Date XX/XX/XXXX Wire Submitted Date XX/XX/XXXX Amount {$4000.00} Receiving Bank Name and ABA Number XXXX XXXX XXXX, XXXX Beneficiary Name and Account Coinbase, XXXX XXXX ( Additional Notes ) XXXX Status Completed XXXX  XXXX Please find the address that I could locate for Coinbase : ( XXXX ) XXXX Coinbase, Inc 5 years in business XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Sadly, it seems that I am not the only Coinbase victim and I have read multiple posts from people experiencing the same issues.
Consumer complaint received 2017-12-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-08
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: Bread Financial Holdings, Inc. (CA)

I bought a set a quilt set on Wayfair.com and was used the Comenity credit card. After I received and didn't like the color of the product, I returned the full set and paid {$12.00} return shipping fee. 

I should have any more balance but they kept saying I owe them something and accumulate late fee and asking for payment. I refuse to pay for something that I have successfully returned and paid return shipping fee.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

My credit report shows hard inquiries on my account indicating that I have applied for a loan. I have not. This company knows full well that I am in the midst of a divorce, that my EX is court ordered to pay the loan and has not. They know that I HAVE NOT applied for a loan as they KNOW I do not currently have a job and have been jobless for almost a year at this point in time. This has all been reported to their collections department many, many times. I have NEVER applied for a loan and nor would I. 

If they have an application in error, I want to know who signed it as it was NOT me. THREE times in the past slightly over a year they have dinged my credit with a hard inquiry. AGAIN, I Have NOT and NOR would I apply for a loan without a job.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Recovery Service, Inc. (WI) (IN)

XXXX XXXX SOLD MY FRAUDULENT ACCOUNT TO ACCOUNT RECOVERY SERVICE AND WENT ON MY CREDIT WITHOUT VALIDATION, CALLED MY HUSBAND CELL 11 TIMES AND HAVE XXXX HARD INQUIRIES ON MY XXXX  CREDIT TREPORT. 

LASTLY, PAID XXXX XXXX I ERROR ANDREFUSED TO REFUND MONIES. XXXX XXXX ALSO, CALLED AND TRIED TO COLLECT SAME ACCOUNT. 

ALL OF YOU ARE IN VIOLATION OF THE DODD FRAN ACT. 

THERE ARE ATOTAL OF COLLECTIONS CLOWNS ON MY CREDIT, CALLED CELL, FAILED TO VALIDAATE DEBT, ALL ARE REPORTING ON ALL BUREAUS. 

YOU WILL BE SUED IN CLASS ACTION ALONG WITH THE OTHER CLOWNS AND U.S CELL.