davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC (NY)

In late XXXX, I signed up with Americor to settle three credit cards I had with XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX  XXXX ). 

I made monthly payments beginning in XX/XX/XXXX, and in total, I made payments to Americor totaling more than {$20000.00} over the XXXX period. 

Americor settled and paid the XXXX card for the full balance of {$780.00}. XXXX also settled and paid the XXXX card for the full balance of {$3200.00}. Then, without my knowledge or agreement, Americor entered into a stipulation of settlement agreement with XXXX, related to a lawsuit XXXX brought against me on this debt. The settlement required me to make monthly payments of {$250.00} totaling {$6000.00} of the {$8400.00} total. Americor then defaulted on this agreement after only {$4000.00} of payments were made, even though there should have been approximately {$12000.00} of funds available in my account. 

In sum, Americor collected {$20000.00} from me to settle {$12000.00} worth of debt, but they failed to do even do that. They paid off two of the credit cards at the full balance, providing me with no benefit. And with the third card, they defaulted on the slightly reduced settlement, resulting in numerous court dates and the likelihood that I will be liable for the full amount of the remaining unpaid balance on the card.
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (UT)

Pinnacle LCC - Owner of the XXXX XXXX XXXX XXXX  ( XXXX ) XXXX and the house I rented a room in from XXXX XXXX to XXXX XXXX
The owner of the home I rented from Has posted a fraudulent collection entry on my credit report for {$600.00}.
He evicted me giving 3 days notice forcing me to sign an agreement to a 3 day eviction. This because I had been arested for XXXX XXXX and he said he read the police report. This did not take place at the rental property and this rich guy was trying to punish me for a the XXXX XXXX.
The owner of pinnicle LCC, and the manager at XXXX XXXX still owe me the remainder of the rent for XXXX after the XXXX XXXX eviction in addition to the {$350.00} deposit. {$500.00}.
This is insult added to keeping my rent and deposit money. Clearly, this guy has it out for me and he 's taking the time to violate me because of the XXXX. He 's writing on me credit report what about what he ows me to cause me more distress while taking a tax write off.
Consumer complaint received 2022-08-23
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)

Its been at least 10 years since the first collection person called me about a account someone set up in my name. I get letters from creditors and banks saying I owe money or I was turned down for a credit card. I send them back letters saying that was not me.
Consumer complaint received 2024-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In General : The bofa said that I deposit a check 2 times but I dont know what happened and the bank just auto deduct my money from another account to cover them. 

timeline : On XXXX : I deposit a check ( called " XXXX '' ) of XXXX $ to account ending with XXXX, everything go through. I throw that check somewhere and forget it On XXXX : By some reason. I dont use that account anymore and move to another account. 

On XXXX : BOFA said that I deposit that check XXXX again so they deduct me XXXX $ on account ending with XXXX. But no information about the transaction that show me deposit that check to that account or any where On XXXX : I called them about that problem. I ask them reason and why and they just said to me that I deposit that check XXXX 2 times. I ask them show me information the second time of that deposit ( like where is it going, to what account ) but they just can provide the date and the banker said that it deposit to acount XXXX but that account just received that check XXXX only XXXX.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (KY)

I've been checking my 1 Collection from XXXX XXXX, which appears as " XXXX XXXX XXXX '', and for the past 5 months, Experian.com has shown me a Removal Date of " XX/XX/XXXX ''. I checked my report and now the removal date isn't even showing. I called Experian and now they are trying to tell me it's XX/XX/XXXX and they have no record of it ever saying XX/XX/XXXX. That's a lie!! I've been looking forward to it's removal for a reason!!
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-23
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Was signed up for overdraft on card, but don't want to be
Company: First Data Corporation (NC)

Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
<P/>
Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
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This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
<P/>
Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
<P/>
I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
<P/>
What will Money Newtoek be dong about this?
Consumer complaint received 2020-08-01
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: COOLEY ENTERPRISES INC (NE)

The credit bureau is reporting a closed account from Clay Cooley Motor Company on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IN)

I am writing to file a formal complaint against Regions Bank regarding the unjust hold placed on my account, which has severely impacted my ability to operate my business and meet financial obligations. The details of the incident are as follows :, I deposited a check in the amount of {$20000.00}, issued to me by one of my clients, into my account at Regions Bank. Unfortunately, the check was returned due to insufficient funds, and the bank charged me a return fee for this transaction. Subsequently, Regions Bank placed a hold on the funds in my account, preventing me from accessing the money needed to operate my business effectively. 

Despite providing all the documentation requested by Regions Bank to address the issue, including the original check and any other relevant information, the hold on my account remains in place, causing significant financial hardship. As a result, I am now behind on essential bills and expenses that I would have covered with the funds in my account. 

I find Regions Bank 's actions to be unjust and detrimental to my business operations. The prolonged inaction on their part has only exacerbated the financial strain I am facing. Therefore, I am left with no choice but to consider taking legal actions to address this matter if a prompt and satisfactory resolution is not provided. 

In light of the circumstances and the bank 's failure to address the issue appropriately, I request the following resolutions : 1. Immediate release of the hold on my account to grant me access to the funds necessary for operating my business and meeting financial obligations.

2. Reimbursement of any fees incurred as a result of the returned check and the account hold.

3. Closure of my account with Regions Bank and prompt disbursement of the remaining balance to me, including the funds affected by the hold. 

I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Regions Bank takes the necessary actions to resolve the issue promptly and fairly.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX Acct # XXXX, The XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2023-05-24
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: SYNCHRONY FINANCIAL (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by XXXX USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank/ PPC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank/ PPC , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Synchrony Bank/ PPC whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank/ PPC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of XXXX.
Consumer complaint received 2023-05-29
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. (GA)

I sent a letter last XXXX  XXXX, XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX 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 XX/XX/XXXX, XXXX XXXX  Complaint Detail XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX