davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: REGIONS FINANCIAL CORPORATION (MS)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Regions Bank regarding a deeply concerning matter that involves discriminatory practices and the violation of my consumer rights. The details of this matter are as follows : On XX/XX/2023, I applied for a Consumer Credit Grant with Regions Bank, located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. However, to my astonishment, my credit application was denied with an explanation citing adverse action. I believe that the denial of credit was a direct result of discriminatory practices and a violation of my rights as a consumer under federal law.

Under the Equal Credit Opportunity Act ( ECOA ), it is explicitly prohibited to discriminate against consumers based on factors such as race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the good faith exercise of rights under the Consumer Credit Protection Act. I suspect that my credit application was denied due to internal remarks or alleged debts from another company, which are wholly irrelevant to my creditworthiness or ability to meet my financial obligations. 

This discriminatory action is in direct violation of the ECOA, specifically codified in 15 U.S.C. 1691c, and could potentially render Regions Bank liable for civil penalties under 15 U.S.C. 1692k. Moreover, I am convinced that my rights under 15 U.S.C. 1691 ( a ) ( 3 ) have been violated due to my perceived exercise of consumer rights.

In my previous correspondence with Regions Bank, I have outlined the evidence suggesting that the denial of credit was a result of an unauthorized use of my credit card, which is my social security number. This is a direct violation of XXXX XXXX. XXXX ( I ) and XXXX XXXX. XXXX ( p ), and it demonstrates fraudulent activity on behalf of the bank. 

Furthermore, I firmly believe that Regions Bank is in breach of XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX C.F.R. XXXX, as my credit application was denied without adequate consideration of my ability to repay based on reasonable factors such as income, cash flows, net worth, credit history, and other relevant financial indicators. 

My intent in filing this complaint is to seek a resolution in accordance with my rights and applicable laws. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Regions Bank for these violations. Additionally, I seek remedies and compensation for the damages I have incurred as a result of this incident. 

I implore the Consumer Financial Protection Bureau to intervene and ensure that all consumers are treated fairly and equitably. I look forward to your prompt attention to this matter and a resolution that upholds consumer rights and accountability. 

Thank you for your assistance. 

Sincerely, XXXX
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly XXXX years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but XXXX refuses to remove the account. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus in XXXX and to LVNV directly in XXXX. XXXX simply ignored everything I sent them and verified the account. This account does not belong to me and they are refusing to even properly investigate it.
Consumer complaint received 2021-04-16
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. (MI)

Equifax is the ONLY credit reporting agency, that is falsely reporting a paid collection for {$150.00} from my previous apartment community XXXX XXXX. This account was paid BEFORE it made it to collections. it never should of reported at all, I believe something was definitely delayed with all that happened with the covid XXXX shut down, and worse enough its a negative reflection on my credit report. Equifax informed me within a few days that this was accurate and its NOT.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX  XXXX Balance Owed : {$52.00}
Consumer complaint received 2021-04-16
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: U.S. BANCORP (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND EXXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Requested short sale permissions from my servicer to sell my home. Received correspondence I was eligible for relocation assistance and short sale was approved. The title agent prepared Hud settlement statement reflecting {$10000.00} relocation fee, submitted to mortgage servicer. Mortgage servicer requested the relocation amount be lowered to 3 % per the investor request, resubmitted HUD settlement statement reflecting {$7600.00} per mortgage servicer request. I call today and I'm informed relocation expense was denied. I have been mislead by my mortgage servicer and the investor. II have spoken with several individuals in the short sale dept. and I given different. information each time. I feel my mortgage servicer is not providing me with truthful information. I also feel they have not contacted my investor for the relocation funds even I received correspondence stating they would give me relocation expenses
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have received a letter from Experian that they " have added an Extended Fraud Victim Alert to your credit report as requested on your behalf '' i never gave Experian permission to a fraud alert let alone an EXTENDED FRAUD VICTIM ALERT. Experian has been making it hard for me to acquire credit from creditors due to this fraud alert. They are in violation a few laws for doing this ; 15 US code 1681 ( a ) ( 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. It is not fair that i am getting declined for loans and credit and they are not respecting my right to privacy.
Consumer complaint received 2021-04-16
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. (FL)

Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX XXXX. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.
Consumer complaint received 2021-04-16
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. (FL)

I have contacted Equifax and mailed the information and uploaded it. This is still showing on my credit and I was informed that my credit will be updated in XXXX hours. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Med-1 Solutions, LLC (TN)

I was making regular monthly payments to XXXX XXXX XXXX for medical bills not covered by my insurance. I believe it was in XXXX that I received a call from them stating that they could not accept the payments that I had been making and wanted more money monthly. I agreed to pay them a maximum of {$25.00} dollars monthly until the bill was paid. The following month I did not receive a statement and shortly thereafter I received a letter informing me that I had been turned over to REV 1 a collection agency.
I immediately called REV 1 and attempted to resolve it. On the first call I was led to believe that as long as I paid {$53.00} a month it would not show on my credit report. After speaking with my wife we thought it best to go ahead and do this even though it would put us in a bind with the other medical bills we are paying. I called REV 1 back and very straight forwardly asked that if I make these payments that this will not show on my credit report. At this time the representative told me that she could not guarantee that it would not. She attempted to lead me to believe at this point that if I could pay the amount off in 4 months it would not show on my credit report. Again I straight forwardly asked if it would and she could not guarantee it. So I told her that I could not make an increase in the payments without a guarantee. There is only one month that I did not make a payment to XXXX XXXX XXXX ( and then sent no statement ) and entered into an agreement with them to pay {$25.00} dollars a month and then they turned me over to a collection agency. I do not feel this is legal nor good business practice. I do not dispute owing them money but I do dispute them not honoring their agreement and turn me over to a collection agency without warning.
Consumer complaint received 2023-05-02
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. (FL)

Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, EXPERIAN, I noticed an unauthorized and fraudulent credit inquiry made by this company : Inquiry : XXXX XXXX XXXXXXXX XX/XX/2023 I tried to call Experian on XX/XX/2023 & spoke to someone in the fraud department named XXXX, who was horribly rude & even hung up on me! 
She could have been kind or helpful or courteous. 

So instead of dealing with EXPERIAN again & their rude customer service agents in the fraud department I decided to call XXXX XXXX XXXXXXXX directly & spoke to XXXX in Massachusetts in their credit card fraud dept. 
This was the same day, XX/XX/2023. 
And in talking to XXXX, because she was so kind and considerate, we discovered this inquiry was in fact fraud/identity theft, as whoever it was that applied for this credit used my name & information, but used an address that I lived at over 5 years ago! 
I did have a card with XXXX XXXX XXXXXXXX but that was maybe 15 years ago, so I wasnt sure if it was fraud or not, at first, but discovering this, now I know it was. 
So XXXX said they would request to EXPERIAN to remove this from my credit profile but that they dont always comply in a timely manner. 
This can all be verified through XXXX XXXX XXXXXXXX with their existing claims dept. 
XXXX
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. (FL)

On date XX/XX/2021 I opened an account on Coinlist and deposited XXXX USDC into my account. After that date, I was never able to log into my account again and therefore to use my funds. 
I raised this issue to the company on a few days later by raising a ticket ( XXXX XXXX ) on their website. When you raise a ticket, they promise to get back to you within 7-10 days but they never responded. I also sent mails and messages and they took no action and did not respond to any of them.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell XXXX XXXX XXXX AND CAPITAL ONE BANK USA N.A. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2022-01-31
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: BMO Bank, N.A. (CA)

I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BMO Harris Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX XXXXXXXX ( late payment account ) XXXX XXXXXXXX ( late payment account ) XXXXXXXX XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.
Consumer complaint received 2017-05-15
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: Santander Consumer USA Holdings Inc. (FL)

Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.
Consumer complaint received 2023-02-20
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. (VA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX BV XXXX, VA XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX
Consumer complaint received 2021-04-06
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)

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-04-06
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: Resurgent Capital Services L.P. (CO)

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX  REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT
Consumer complaint received 2022-05-27
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX