davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TN)

Ive received my dispute results from XXXX and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from XXXX. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (PA)

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXX XXXX XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by Experian, XXXX and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to XXXX XXXX be removed immediately. 
XXXX XXXX XXXX Acct # XXXX ( XXXX  ) XXXX XXXX Acct # XXXX
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: SECURITY FINANCE CORP (GA)

On XX/XX/XXXX professional financial services continues to use false misleading deceptive practices I agree with thine adversary as I'm not under the law but under the grace of god I am XXXX XXXX the Master Merchant the implied surety I am the Security Certificate Holder of the principal Debtor/Franchise all proceeds are due unto me as I have right to subrogation as surety/Accommodation party. I demand my right of subrogation as it trumps the XXXX XXXX regard we as the beneficiary I demand my cash value in this transaction master everything all rights reserved without recorse
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both XXXX and Experian, and myself as the consumer, possess the right to safeguard personal information, as emphasized by XXXX XXXX XXXX, outlining XXXX 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, XXXX XXXX XXXX section XXXX a section XXXX specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with XXXX XXXX Code XXXX ( A ) ( XXXX ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Consumer complaint received 2023-01-02
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. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-17
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. (LA)

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. 

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XX/XX/2022 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 2023-06-23
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: Bread Financial Holdings, Inc. (FL)

XXXX Ive paid that off years ago and call the company and told them Im not using the card every again then they were still charging me XXXX XXXX  I paid my closing balance two years ago and they still saying I have this balance comenity they just closed my account without letting me sign in to my account to make the payment
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following addresses are not mine 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
Consumer complaint received 2024-04-17
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. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Complaint Regarding Overdraft Fees Despite Adequate Funds and Within Stated Timeframe I am writing to file a formal complaint against Regions Bank for what I believe to be unfair overdraft practices. Despite my efforts to maintain a positive balance, I have been repeatedly charged overdraft fees under circumstances that seem inconsistent with the bank 's stated policies. 

On multiple occasions, I have deposited funds into my account several hours before the XXXX XXXX  deadline set by Regions Bank to cover any negative balance and avoid overdraft fees. For instance, a deposit was made and timestamped at XXXX XXXX  ( XXXX XXXX ), well within the time frame provided by the bank. However, I found that I was still charged an overdraft fee the following day. The bank 's explanation was that the deposit did not post until the next morning, contradicting the timestamp shown on my account. 

This has been a recurring issue, and despite my attempts to resolve this with the bank, the situation persists. I am concerned that this practice may not align with the regulations that govern fair and transparent banking practices. 

Here are the details regarding the most recent incident : - **Date of Deposit** : [ XX/XX/2023 ] - **Timestamp of Deposit on Account** : XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] - **Overdraft Fee Charged** : [ {$100.00} ] - **Statement from Bank Regarding Overdraft Grace Period** : The bank 's policy states that I have until XXXX XXXX XXXX XXXX the following business day to cover any shortfall. 

This issue has placed a significant financial strain on me, especially as someone with limited financial resources. Regions Bank 's history of fines and regulatory action for similar practices heightens my concern. 

I am seeking a thorough investigation into these charges and a clear explanation from Regions Bank. I believe the overdraft fees charged are not in line with the bank 's policies as I understand them or the regulations set forth to protect consumers. I request that the CFPB look into this matter and ensure that any unfair fees are refunded, and that the bank 's practices are reviewed for compliance with applicable laws and regulations. 

Attached are screenshots of the most recent incident but I stress that this is a repeating problem, no matter how early the deposit is made. Contacting support states they have no control over things until the overdraft posts and they state they can not see the time stamps. 

Thank you for your attention to this matter. 

-- -
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

I lost my TD Double Up credit card ending XXXX while travelling through XXXX. A number of charges were made with the card. These were in towns in XXXX I have never visited in my life, and included a rental car. I reported the card as lost timely, and disputed the transactions immediately. I have disputed these transactions twice now with XXXX XXXX, and the Fraud Dept keeps reapplying them to my account after providing ridiculous rationales, such as that no one used the card after the fraud. Obviously this would not be possible, as I called and had a hold placed on the card after it was lost. I did not make these charges, and feel they are violating the Fair Credit Billing Act in that they are trying to make me responsible for fraudulent transactions ( see below from my statement ) : 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 2023-09-15
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. (NJ)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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
Consumer complaint received 2023-12-28
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: CITIBANK, N.A. (WA)

I ordered tickets from what I later discovered to be a scam site ( XXXX ). I contacted my bank and let them know then bought tickets from XXXX. The tickets I purchased from the scam site were {$180.00}. The tickets I purchased from XXXX were {$85.00}. The address for XXXX is not verified and they have no phone number. Their XXXX rating is an F and there are tons of people online complaining that they are fraudulent but my credit card company ( citi ) said it's not their problem. Wow.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Insikt, Inc. (AZ)

XXXX sent my unemployment mail to XXXX XXXX parents home, his mom gave me one letter and I never received my benefits, XXXX job esigns was also on my fidelity account fraudulently and my taxes were frauded and changed illegally. For some reason his parents address is on MY credit report and I've NEVER lived there, XXXX XXXX XXXX XXXX XXXX az XXXX.
Consumer complaint received 2023-12-28
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: Specialized Loan Servicing Holdings LLC (PA)

Was a victim of a scam, fraud, was tricked. Credit card debt is unsecured. It does not simply turn into secured just because a bad salesman gets a huge commission and writes a 30 yr note to make the fraud debt affordable?? XXXX!!! XXXX XXXX should have been recommended, but was not until the following year. The debt was erased and this is verifiable on XXXX. Also verifiable, there are no liens on my property. CFPB states a debt collector may not try to collect the debt after XXXX XXXX clears that debt. So, the harassment needs to stop. SLS.net is not doing due diligence to research what I am telling them. Instead, they feel they can take my home after a scam that went wrong. Also, I am on XXXX and have been sin e 2017. I am certain that there are likely laws to void the transaction and protect even beyond the XXXX XXXX XXXX. Just because attorneys are expensive, no longer pro Bono doesn't mean SLS can bully me this way. My house was damaged last year. Their homeowners would not help either. The house is worth less as a result. Plus, I need to live there. There is no other place for me. I have XXXX sources of income now, and am doing better than I ever have. At the very least, they could allow time to begin repaying, but they don't seem interested in being decent towards me at all, like sharks instead. The credit card debt was treated as such with the bankruptcy. I gave verified this simply by searching for the rules online. It's not that difficult. I have no idea why SLS is being so difficult. All I need is a month and I can have enough to do a XXXX XXXX. I shouldn't have to pay their loan anyway. Often, there are exceptions to rules. I learned that as a XXXX after learning the IRS rules. This situation is similar. Please study your exceptions, SLS. I think they are being excessively out of bounds here.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CREDIT ACCEPTANCE CORPORATION (KY)

financial ruin by tricking into unaffordable, high-interest auto loans while cutting backroom deals with dealers to increase their own profits! Scam into a fraud Contract. 
Also I went to the dealership an The Rep I spoke with I had To file a complaint After emailing to come into the office for high interest Rate on my contract an when I got there they couldn't help me due to A lot of people are in my situation.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX XXXX I called bridgecrest and expressed to them I fell into financial hardship which I deeply expressed I arranged for a promised deferment if I pay a portion of {$500.00} which I did which brought the balance down will they do a deferment they said yes. 

Bridgecrest never honored their promise which is leading me more into debtI have expressed to them I been a customer for about 3 years now I believe I deserve some relief especially with the crisis the country is in and all the kickback money they got to help customers in situations like this I told them that I been making payments dont repossess my car especially after I just paid for car insuranceI have expressed times are hard especially with XXXX we are in a state of emergency food is high I can barely support myself atleast let me keep my car I can make it work for me I told them I make whatever payments I am able to but still constantly threaten by emails multiple phone calls of repossession or I have until this date to payits lead me to XXXX and XXXX to the point I have XXXX XXXXXXXX and getting worse
Consumer complaint received 2024-04-16
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. (FL)

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.