davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e.Furthermore , pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and
Credit Unions have power to borrow money, issue bonds and debentures 12 USC 1431 15 USC 1602 15 USC 1637 15 USC 1640 15 USC 1681o 15 USC 1691e
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I went and received a new debit card from Regions Bank due to prior card expiring on XX/XX/XXXX, new card was printed and activated by the Regions bank on site, left and attempted to make a purchase and the debit card did not work, called the Regions bank and was informed its an on going issue and I could only come in and withdraw cash, have not received a working card or any assistance with the waste of gas and time resources required to the breach of contract by the regions bank denying me access to my funds unless walking into a Regions bank have attempted to get in touch with the Regions bank on multiple instances between XX/XX/XXXX and XX/XX/XXXX to no response being left without access to my account or money to pay bills or for groceries
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done any business with these companies.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies
Consumer complaint received 2023-09-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is operating in FRAUD against my ESTATE and TRUST claim ownership in my personal property never acquired with them however the mortgage note was fraudulently unlawfully sold to them by XXXX XXXX XXXX XXXX which I already 1099 A and 1099 C and hold copy B for also submitted my w4 process to the IRS, I have no business with WELLS FARGO BANK NA and if thus continues we can take this to the Supreme Court as a class action cause it's alot of XXXX XXXX ready to hop on board, this is fraud why the XXXX the CFPB DONT ADDRESS THAT and stop entertaining WELLS FARGO BANK NA foolishness! If they saying I owe them prove it where is the XXXX XXXX XXXX XXXX  documentation bearing my WET INK SIGNATURE prove your claim.
Consumer complaint received 2023-09-19
Product: Credit 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: SYNCHRONY FINANCIAL (GA)

My Sams credit card issued by Sychrony Bank was closed because of fraudulent charges made on my account. The bank resolved the issue and settled the claim. After the account was closed, new charges which I did not make were added to the account which as of yet still have not been identified to me. I have had several frustrating phone conversations with the company regarding the issue. They continue to add interest and I finally sent a certified letter to CEO Sychrony bank dated XX/XX/2023. A signed return receipt was received and to date, XX/XX/XXXX, I have received nothing but letters harassing me about payment with no investigation taking place.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management Inc has violated FDCPA as outlined in Daugherty V. Convergent Outsourcing Inc, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KY)

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 1. Received no communications from Jefferson Capital System at all. No phone, No mail notification.

2. Never verified this debt with me before reporting to the credit bureaus 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (AZ)

On XX/XX/XXXX I received an email from Affirm letting me know I had been approved for {$2000.00} at XXXX stores. I have never even heard of Affirm. I did not apply for this. Minutes later I received an email asking that I click to confirm my email. I did NOT click anything. Moments later I received an email with a code to click that was good for {$620.00} at XXXX stores. I did NOT click that. Then I received an email with two clickable links with important information about my loans. I did NOT click those either. I do NOT have any loans with Affirm. I replied to several of these email letting them know this was fraud. I finally figured out how to do that and received case number XXXX. I received an email from Affirm after they placed the fraud alert letting me know XXXX stores were processing my order. Finally, I received this email from Affirm : Hello XXXX, Thank you for taking the time to reach out to Affirm regarding your claim. 

This is XXXX from Affirm Customer Care and I want to assure you we are working to thoroughly investigate and resolve this right away. 

I have flagged that there is suspected unauthorized activity on your account and paused credit furnishing on any eligible loans associated with your Affirm account while we investigate this matter. 

The investigation process can take up to 30 days to complete and we will reach out to you with the outcome of our investigation or if any additional information is required. Please note a follow up email will be provided to you within 3-5 business days. 

If you have any questions or concerns, please contact us through the Affirm Help Center at helpcenter.affirm.com or calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX  to XXXX XXXX  CST seven days a week. 

Thank you and have a wonderful day! 

Best regards, XXXX XXXX. 
Affirm Help Center Affirm allowed bad actors to open fraudulent credit in my name. Affirm participated in and assisted bad actors in stealing my identity.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (FL)

I have been attending XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was in the hospital for a month. I got out of the hospital and went back to school. I finished my courses and stormy was supposed to find a site for me to my complete my hours, but that was never done and Step stormy lied and said that she gave me a location and the text message you will see she never told me I can go to the location I reach out to the school to resolve the matter and they said I needed my XXXX certificate in order to be able to go to a dental location to complete my hours at the time. FCC did not have anyone to do the XXXX classes by the time they had somebody to do the XXXX classes I was not able to do it because I had to work so I went ahead and paid for my XXXX classes and sent a copy of it to XXXX who at the time was working there and then I was waiting to complete my hours. They had to try to find a location willing to except me I ended up waiting and waiting and waiting and had to have XXXX and doctor appointments. Eventually the XXXX Department of education got involved with FCC and told them that they were not allowed to enroll new students. FCC told me that I was considered a new student which I do not understand how when I was in rolled in my school had already been funded by financial aid as well as my loans. Ive already paid the school so now I am out of an education and a certificate, and they want me to pay money what I would like it for FCC to own up to this or the XXXX Department of education or a FFFA to own up to their wrongdoing and allow me to complete my hours so that I can graduate and be able to work in a dental office as I should I should not be penalized due to the fault of their employees, not doing their job and then trying to cover up their mistakes by making it seem like it was a student issue versus an employee lack of work ethic issue I have tried to reach out to everyone no one seems to be able to help me everyone points fingers at everyone no one ever answered after being told XXXX minutes wait
Consumer complaint received 2024-09-09
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. (AZ)

I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY IS COMMITTING unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. I declare under penalty and perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by State & Federal Law to file. I also understand that knowing and willful statements or omission of material fact. They have also violated Georgia Revised Statue OCGA 16-9-121.
Consumer complaint received 2023-09-20
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. (FL)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm Regards. 
XXXX XXXX
Consumer complaint received 2024-09-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (OH)

I have repeatedly tried to resolve the issues with direct express and they refuse to give me access to my ss funds for XXXX  months now I've sent my state issued ID my ss card my birth certificate everything they have asked for I give them all my info when I call only to be told they can't verify my identity they can't seem to send a code to a phone I've had for XXXX  years or any email address I give them and they just refuse to cooperate I've done everything I've been asked and everytime I call I'm told I have to email them my information and wait I'm XXXX that is all the money I have and they are trying to keep it there has to be someone who can help me get my now XXXX  months of ss benefits totaling almost XXXX  dollars from them cause they refuse to give me access to my money that I dearly need
Consumer complaint received 2023-09-19
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. (IL)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (DE)

We took out a loan for a new heat pump and air conditioner in XX/XX/XXXX with the first payment due in XXXX. I paid them a triple payment ( {$150.00} ) on XX/XX/XXXX in an attempt to offset their XXXX 13 % interest rate. 

The company did not apply this payment as I expected. Normal companies would have posted it as the XX/XX/XXXX due date payment and the balance to principal. EnerBank posted it as 100 % interest and advanced my due date to XX/XX/XXXX. When I asked them to reverse that, reset the next due date to XX/XX/XXXX and the difference between their $ 50 monthly payment and my {$150.00} payment to principal only, I received two emails ( see below ) : " Thank you for contacting EnerBank USA. We have received your email communication. We believe it would be more beneficial to have a verbal conversation to answer your question ( s ) at a time that is convenient for you to discuss this matter. Please contact our Customer Service Department at XXXX. We are available XXXX XXXX am to XXXX XXXX. Thank you, EnerBank USA Customer Service Department '' My response to their email was : " Hi, please respond in writing to my inquiry. And follow the instructions you were given for posting my payment. '' Their response was an exact, carbon copy of the original email.