davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

The company Regional Acceptance Corporation has not been reporting the correct balance owed on my auto loan for my XXXX XXXX XXXX. XXXX reported on my or my husbands credit. I sent them two messages on their website. Please have them report the updated paid balance and what is left unpaid to the credit bureaus. My credit is suffering from their lack of reporting to all XXXX bureaus. Looks like the last date reported was for XXXX or XX/XX/XXXX. Balance left is {$35000.00} but last two payments were left under-reported. THANK YOU!
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I logged into Experian, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against XXXX XXXX XXXX L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NJ)

CMI collections has repeatedly called me about an account with XXXX XXXX XXXX XXXX. This account is still in dispute between me and XXXX and is not resolved. CMI has now sent debt collection info against my knowledge which has effected my Fico scores considerably. CMI and XXXX now refuse to communicate on this matter.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

TransUnion has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to report
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX , XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing job properly as it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX. 
Hoping for your action and kind consideration on my appeal.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX, XXXX # XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$3800.00}
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I borrowed {$5000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX. This money was borrowed through a " XXXX XXXX  '' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXX would be taking me to XXXX XXXX XXXX to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my XXXX XXXX XXXX trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX California XXXX XXXX of XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX. The relevant case number is XXXX. The judgment entered on this case by Commissioner XXXX XXXX was that the defendant XXXX myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with Experian and XXXX  regarding this matter. Experian amended but did not correct the entry on my credit report. As of XX/XX/XXXX, XXXX  continued to report my account as a " charge-off. '' I tried to file another dispute with Experian today. I was informed that Experian does not need to review my dispute further because they have already done so. Experian persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: Comerica (CA)

On XX/XX/XXXX I received my social security check thru direct express and when I checked the balance its lower than I expected. I checked the transactions and found out that there is a pending transaction of XXXX that I did not recognized, I called direct express and disputed the charge and told them not to pay, they said they will cancel the card so it cant be use and replaced with a new one. I went thru my account with direct Exoress customer service and found out that a merchant had been charging my acct ever month for the part 12 months on the day that I received my check. The customer service help me file the dispute and said I will sign a form that she is going to send and mail it back within 10 days. I did not get the form on the XXXX day. Anyway I called them before that and they it was already sent and just XXXX it back once you get it which I did. I called direct express 2 days later and they said that my dispute is denied .I argued with them because it looks like that they did not do an investigation but analyze it based on their form. 
I research and found out about the merchant and called them, I told them that I did not authorized those charges and they said they will refund the money and the customer service was doing that while talking to me and he said that it is not going through. I said because the old card was cancelled but I have a replacement card. They can only refund on the card they took money from and asked me to call direct express to temporarily reactivate the card. I called direct express and told them that even if you denied my dispute the merchant is willing to payback but on the card that was already cancelled, direct Exoress said dont worry the refund will go to the new card just tell the merchant that it will go through. So I called the merchant and told them what direct Exoress told me. The merchant and myself tried.to call direct express but the wait time is over 30 minutes. I called direct Exoress and asked them if we can do a conference call but they said they do call merchants instead they asked me to call merchant and asked for a letter that they will refund money and fax it to direct express. He gave me a fax that is not working. I called direct express so many times and is transferred to other departments and they said they will not reactivate temporarily the old card! I called merchant too so many times and asked them to refund in the new card if send me a check but they said they can only refund in the old card. Please help me get my refund. 

Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

After viewing my report I found accounts that I have never applied for. A bill with signature do not imply that the debt is legitimate anyone can send a bill and claim ownership. Also you are in a violation of FCRA 681b ( g ) ( 4 ) HIPAA Law. No one is allowed to share my medical information to anybody there is a violation of my privacy.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has been reporting multiple incorrect names on my report. Such incorrect spelling of the names has me to believe information reporting does not belong to me. I am requesting all incorrect names to be remove immediately so I can I have a correct updated information.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and XXXX mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and XXXX reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor XXXX had the right to Report any information pertaining to me to Equifax. In XXXX XXXX, XXXX XXXX and XXXX previous replies I disputed Equifax in XX/XX/2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and XXXX provide the Law which states that as a Lender they had the right to Report a Negative Remark to Equifax during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and XXXX has violated my rights. How and why would XXXX XXXX, XXXX XXXX or XXXX sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and XXXX explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed Equifax in XXXX or XXXX as they orginally stated.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (GA)

I took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

My deposit from Social Security was deposited into my account on the XXXX Wednesday, and my account was overdrawn by XXXX. The bank recovered their fees from the deposit but froze my funds where I could not make any transactions. I was in the process of purchasing food and my transaction was not approved. I called the bank and the bank stated my funds would be available the next day because the transaction had to be posted manually. I stated if that's the case no funds should have been taken out of my deposit as well until the next day. The money was there, my deposit was there and this is the XXXX Wednesday. I should not be penalized to not be able to get access to my money once my money was received by the bank. In my opinion this is a way to discourage me from using this bank for illegal tactics to the customer. This is not the bank funds when the money comes in from a government institution for a customer. This is an abuse of Power by the bank, and illegal and unlawful practices by bank. They also took a portion of my Stimulus money to cover overdraft fees. This bank is Regions Bank. I spoke with four different people and they all spoke the same script. I still was unable to use my money on the day it was suppose to be made available to me.
Consumer complaint received 2021-05-26
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. (FL)

On my Experian Credit Report I have a Credit card account that was closed at my request in XX/XX/XXXX. The creditor continued to bill this account after the account was paid in full and closed. I contacted the company several times and told them of the error. However they kept billing and now is saying it is a balance owing since XXXX. I disputed this on my credit report with Experian and they refuse to correct this. The credit card company has long stretches of the previous year showing no report of activity, however since XXXX and XXXX they are reporting this charge off and making it appear as a new delinquency. This is erroneous and false information. I have tried to talk to Experian and the operator named XXXX hung up on me. I was polite in trying to explain the situation and he just hung up! 
I want this account corrected and if the creditor hasn't reported every month then the delinquency was not an issue up until now. The account is due to come off my credit report in XXXX. However by this misleading information, they are hurting my current credit! I need help with this issue!
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (NC)

I have asked this company several times to stop contacting me but they still call. The person on the phone is abusive and tries to bully me into paying. I dont owe this debt and have asked them to quit calling every time.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS. 

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY WITH COPIES 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 THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

XXXX nor RCVL PER MNG have failed to present any supporting document regarding debt amount. I have several emails from XXXX confirming {$0.00} balance as well as XXXX tracking number with returned equipment. Without any reason they trying to collect a debt!
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

I am back a few hundred dollars on my American Express bill. Like XXXX bucks. I make payments every month just not the minimum. They have called and harassed me daily and have called 4 other members of my family for whom no information has been given to them on their numbers. They called landlines and cellphones of these family members stating why they were looking for and giving up personal information about my account. No one else is on that account but me. The supervisor apologized and claimed they had no idea they have 15 people on one account. Then called me and said they couldn't tell me anything until I varified my name..but have called other members in my family to talk about my business. It's happened now multiple times for each person. Not once, like 3 or 4 times each person.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NH)

I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.