davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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: SUNTRUST BANKS, INC. (FL)

I contacted Suntrust Auto Dealer on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (OH)

At the beginning of XXXX, I was charged XXXX for XXXX I didnt recognize this charge so I disputed it with my bank and they denied it for reasons unknown a couple months went by and {$110.00} was taken out of my account for the same charge Same Merchant, I called the merchant work with them and we came to the conclusion that I was not reliable for the funds so they issued a refund. I never received any of this money so I spoke with XXXX a couple times and they stated that the bank did a charge back on the XXXX on XX/XX/XXXX at XXXX XXXX which I never received the money back from to this day and they refused that they have it or had anything to do with it. They deny any involvement still waiting on the refund. Still waiting on the refund for the one XXXX, which they also denied dispute wise. They cant be investigating these disputes. The merchant itself reverse the charge yet theyre denying a dispute so what kind of investigation are they doing? They couldnt have contacted the company the merchant because they wouldve told them that they had already reversed it. I dont believe these disputes are done or investigated properly at all ever I sent in the paperwork that I received from XXXX stating they did not hold me liable for either charge and they still denied the dispute, so they clearly did not have any communication with XXXX at all so what kind of invasion investigation was done? I did all the investigating I dont get paid for it. Im around everything to take money out of my bank account. I dont feel safe. They cant even track down any refund that was done and when they did charge themselves, their service is terrible. They dont know whats going on. Theyre rude. Theyre not knowledgeable at all and there they always want to be done real fast. They try to tell you whatever you wan na hear and then theyre gone. They dont spend any time listening to you disputed wrong amount wrong places, because they have not paid attention to what I was saying if they werent such a hurry, maybe they Would have understood where I was coming from they refuse to provisional credit they refused to dispute they they left me with XXXX funds after I disputed this first one they still allowed the same company to take {$110.00} out which is beyond me. I just want my money back so I could close this account. I also has fraud on here. Ive received a letter that someone is attempting to change my address and disputes that I never even Filed.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NV)

Didn't get notified in written notification to my physical mailing address that is used as a security verification process to prove my identity to alert me that my email was changed to one that didn't belong to me where was one way to notify of activity on my account. 
Was never aware of additional accounts opened and money then transferred to this fraudulent accounts. 
That someone was able to open by providing my documents that where on my email account that was being access by someone else 's without my knowledge until I lost access and was able to regain access to it in XXXX  when I uncovered much of the fraud. That I have provided to only be told nothing can be done as for the amount of time gone by regardless of my attempts in the past of reporting suspiciousness fraud and never receiving any assistance in reviewing confirming or confirming the activity on my account. That allowed the theft
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

On XXXX XXXX I acquired the debt. XXXX XXXX, I have received the 1099c copy b for the account amount {$1100.00} which has been settled. The said company is still trying to collect on a debt that has been settled and I demand the records be updated to show the account has been paid in full. Let the records show Jefferson Captial Systems a third-party debt collector is attempting to what is called double dip and collect on a debt that has been settled. Any further attempts on this settled account will be met with further legal actions to show they purchased my private information without my consent and furthermore attempted to collect and harass me using illegal tactics to pay on a debt that has already been settled.
Consumer complaint received 2021-08-27
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. (NJ)

I asked & submitted documents supporting my case of fraudulent inquires on my credit report & Equifax neglects refuses to correct the issue. They claim they removed the items but there still showing up on m credit report.
Consumer complaint received 2022-12-21
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am not liable for this debt with Portfolio Recovery Associates. I do not have a contract with Portfolio Recovery Associates. Under 15 usc 1692cXXXX XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

I checked my account balance on Chevron/Texaco XXXX XXXX my account website, and the most recent statement showed the minimum payment due on a balance of {$100.00} is {$40.00} which is out of the ordinary, cause the bill isn't even due to XX/XX/2024. The minimum should be about {$29.00}, not {$40.00}. When I spoke to a rep she said it was because of a late payment, but the bill isn't due till XXXX XXXX XXXX I " won't '' be paying that, as I will pay the minimum of what I have been paying a month, {$30.00}.
Consumer complaint received 2024-06-17
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX there was a withdrawal of money from the card. On XXXX XXXX XXXX I noticed this and called the card company. They told me they would lock the card and make an investigation. They told me it would take 10 days for the investigation. On XXXX XXXX XXXX I received an email regarding the conclusion of the investigation. They concluded that they didnt find sufficient evidence to support my claim that someone took money from the card via an ATM. So no money was given back to the card.
Consumer complaint received 2022-11-30
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. (NC)

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 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 2022-11-30
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. (DE)

In accordance credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 609a ( 4 ) 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.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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.C. 1681b ( a ) ( 3 ) ( A ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

Hello, I had an account with XXXX since XXXX and was on auto pay. Never had a late payment. I relocated to New Mexico and asked for service to be transferred. However, after a call last month with XXXX, we were able to determine that account was not transferred but a new account was opened and it's the reason of this issue. 
When I moved to NM, we were temporarily in an apartment, until we closed on our home. We had XXXX  service at the apartment and couldn't transfer service to our house since XXXX  did not service the area where our home was located and therefore I closed the account. I called to pay off my account assumed I was paying the account in full not knowing that there were now 2 accounts and one of them was never payed. 
XXXX then sent this to collections without calling me first about the issue. 
I then made multiple attempt to contact XXXX to dispute the balance since I wasn't aware of the 2nd account. I left messages for an account manager to call me and never got a call. Not sure if this was due to not having enough personnel during Covid. I also asked Waypoint Resource group, the collection agency, since XXXX to have XXXX call me directly to provide me more information on the balance origin, but Waypoint kept telling me that they couldn't do that, until yesterday when I called Waypoint and they mentioned that they actually could. 
I was finally able to get a hold of XXXX last month but the customer service agent couldn't do much about the debt collection but finally informed me of what had happened with the 2nd account and I made the payment to waypoint. 
XXXX, to this day, hasn't returned my calls from requests made over the phone during XXXX and XXXX. Their automated system also makes it impossible to get to an actual human being when I put in my old account information. 
Waypoint employees keep providing conflicting information to consumers and get agitated and ask to terminate the call when I tried requesting their upper management. 

I would like XXXX corporate head of accounts to contact me about this as this has watered alot of my time/energy and negatively impacted credit score and mortgage rates. I had been a paying customer for years on auto pay and they didn't have the decency to reach out to me directly to clear things up. 
I would also like this removed from all credit bureaus immediately please. 
Thank you
Consumer complaint received 2017-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance (IL)

I filed a previous complaint  XXXX   XXXX ,  XXXX  about how SNAAC threatened me by saying they were gon na call my commander and have  XXXX  actions against me if i did not restart my allotment after I had the car voluntarily repossessed in  XXXX . I received the company response on  XXXX   XXXX .  Two  months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my  XXXX  rating and if i was receiving stipend from the post  XXXX   XXXX   XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time  SNAAC  has crossed a line with me. I am afraid they are doing this or worse to other veterans.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (PA)

The Branch Manager XXXX called me to asked questions about the customer service survey that I completed. Then she cut me off and interrupted me multiple times during the call. She never once asked me if I wanted to make a new appointment because I was past the grace period on my schedule time. Then she told me prescription is not always reality and just because the bank is empty that does not mean that the employee arent doing work. Even though she was the one I spoke with and told I was going to be late. Then when she called me she hung up the phone on me the call was so disrespectful.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2020-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I mailed in supporting documentation to Experian. Experian keeps reporting they verified a bankruptcy which was dismissed. 

I sent them three sets of documentation indicating this was and is being incorrectly reported. I am fed up with this incorrect information being on my report. 

They are also reporting incorrect information about XXXX XXXX   XXXX  account, which was closed and not reported. 

I sent them copies of court order indicating the support case was incorrect and they keep saying they reached out to XXXX which is not the original creditor.
Consumer complaint received 2024-06-27
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. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Robinson & Hoover (OK)

XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Robinson Hoover XXXX XXXX ( All attorneys in the Robinson Hoover XXXX XXXX XXXX XXXX ). Did not tell the court or Consumer Financial Protection Bureau. That all parties listed above, Failed to provide title within 30 days. The vehicle was returned and they still did not provide a title it's not a voluntary repossession you never picked up the car The car was delivered on premises at the dealership XXXX XXXX XXXX XXXX XXXX. Still collected money even though they know that they sold vehicle that is a lemon. Knowing that the vehicle can cause death or injury. XXXX is also liable for the vehicle that is defected and dangerous to drive. And their participating in a conspiracy to the commit murder, attempted murder, aiding and abetting, lying, abusing laws and trying to get me to pay for something that I'm not going to pay I never will I do not owe anything. They are dishonest people committing several crimes against me and justice will be served and I will be compensated I'm not going away until justice is served and I'm compensated with the number that I agree with. They need to be prosecuted in sentence to the XXXX XXXX and held liable. They keep changing numbers and trying to fabricate paperwork that they know is not true.