davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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: TRUIST FINANCIAL CORPORATION (MA)

I consumer XXXX XXXX entered a consumer credit transaction with XXXX XXXX XX/XX/2019 in which Regional Acceptance Corporation I extended credit of {$12000.00} in consumer credit financing charges. XXXX XXXX accepted cash in the amount of {$1000.00} in this consumer credit transaction there by making this contract void and fraudulent pursuant to 15 USC 1605 defines finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX accepted took cash. The finance charge is suppose to include insurance but XXXX made me purchase insurance separately. 

Regional Acceptance Corporation is in violation pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusion clearly states a consumer report does not include any transactions or experiences no payment history should be reported according to FAIR CREDIT REPORTING ACT Also pursuant to 16 CFR 313.15 - Other exceptions to notice and opt out requirements. 
and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods I am exercise my right to opt out of consumer reporting of all non public information by Regional Acceptance Corporation Regional acceptance did not give clear and concise information of any of these right to opt out of consumer reporting I also notified the FEDERAL TRADE COMMISSION and the OFFICE OF CONSUMER FRAUD AND PROTECTION
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

An Affidavit of Truth was dated and NOTARIZED to Equifax on XX/XX/21 and the sent via certified mail and was delivered to Equifax on Monday XX/XX/21 I have not received a response to this nor have I heard from Equifax regarding this matter. 

THEY MUST REMOVE ALL PUBLIC RECORDS FROM MY ACCOUNT.
Consumer complaint received 2022-10-12
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. (FL)

On XX/XX/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (TN)

I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, XXXX, Experian. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (FL)

A company named XXXX  is apparently hired byXXXX may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to XXXX, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In response to claim # XXXX Transunion has violated me by continuing to furnish an account with inaccurate information. The account for XXXX XXXX XXXX is being furnished to my consumer report and the balance is reporting XXXX separate amounts for XXXX, Transunion, and XXXX. I made Transunion aware of this error and the responded that my account has been updated. XXXX XXXX standards were not followed which is resulting in debt parking. This proves no investigation was done. This account needs to removed from my consumer report immediately. If not I will not hesitate to sue Transunion for damaging my character and financial ability through false reporting on my consumer report.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OH)

I received notice from Professional Credit Services from XX/XX/XXXX. They show that they are charging interest on an old cell phone bill with XXXX XXXX. supposedly I only owed {$36.00} on XX/XX/XXXX but Professional Credit Services has  been charging 9 % interest on this account. I never signed a contract regarding interest to be added to my old phone bill. My contract that I signed was with XXXX XXXX. Late fees and other service charges were added to my bill but interest was never discussed. I certainly never signed a contract allowing a collection agency to add interest to my account. In XX/XX/XXXX, I began paying on this old bill. As you can see from Professional Credit Services as well as the printout from my payments through XXXX to Professional Credit Service, I have paid a total of {$200.00}. This is above and beyond the {$36.00} that I owed to XXXX XXXX. I feel that this account has been over paid and they owe me money. I only received notice recently of the interest that they have been charging and how much is going towards the principal. 

I feel that I do not owe this debt. I believe that the collection agency should not be allowed to charge interest without my knowledge. Collection agencies should not charge interest without a written contract with the debtor. Please refund my money.
Consumer complaint received 2023-07-24
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: Self Financial Inc. (TX)

I have disputed several times thru credit bureaus to remove Self Financial as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted Self Financial, at great difficulty as the calls go to the XXXX XXXX XXXX, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting Self to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My credit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

Summary : In the monthly statement ending XX/XX/XXXX, American Express charged me an interest amount that is XXXX times that of interest that I actually owe. 

Detail : In the preceding statement period, I paid off the minimum balance due ( {$35.00} ) before due data ( which was XX/XX/XXXX ) and the remaining statement balance ( {$670.00} ) a day after the due date ( on XX/XX/XXXX ). I have a promotional APR oXXXX XXXX XXXX till XX/XX/XXXX. Based on my calculation, the interest I am subjected to on my remaining statement balance is ( XXXX {$670.00} ) XXXX = {$0.00}. However, American Express charged me {$1.00}, an amount that is almost XXXX times that of what I actually owe. When I reached out to American Express about the issue, they said that I am wrong, that they calculated the interest amount correctly, and that this is how their " system '' calculates interest payments for everybody.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Im trying to buy a house, so of course I get a credit report. I have two delinquent accounts from capitol one on my report. I call one to dispute these accounts as I have never had a credit card with them. I give them all of my information, and they say they dont show record of either of the accounts with them. Yet it still shows on my credit report? They tell me I can report it as fraud but theres nothing they can do on their end since the account doesnt show with my information.
Consumer complaint received 2021-11-16
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: Bread Financial Holdings, Inc. (NM)

Someone filed an unemployment claim with New Mexico XXXX XXXX with my correct DOB and SS #. And today ( XX/XX/16 ) someone filed an application for a line of credit with Comenity Bank.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Consumer complaint received 2022-05-20
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)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2021-11-16
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: EOS Holdings, Inc. (DC)

EOS CCA IS REPORTING A FRAUDULENT ACCOUNT ON MY CONSUMER REPORTS. I HAVE CONTACTED EOS CCA SEVERAL TIMES AND THEIR RESPONCE IS THAT THEY DO NOT HAVE A CONTRACT TO SEND TO ME AFTER REQUESTING DEBT VALIDATION. I HAVE NO CONTRACT WITH EOS CCA. EOS CCA HAS COMMITTED FRAUD BY PLACING THIS ACCOUNT ON MY CONSUMER REPORT.
Consumer complaint received 2020-02-12
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. (AL)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (CA)

This account is reporting a un-validated debt a debt validation letter was sent to company no response. Per FDCPA this is inaccurate and must be removed from my consumer report. They are purposely reporting a debt they are unable to validate that this is my account and are impacting my credit score adversely. This kind of violation can lead to a penalty of up to 1000 per violation and damages.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : I was looking at XXXX XXXX online and wanting to buy a song. Next thing I know I am getting a monthly charge to my bank account via my bank debit/credit card going back to 2018. I disputed this first round of charges with XXXX and after several lengthy phone calls with my Chase bank and XXXX they canceled the recurring charge and credit back f the monies. So I thought the issue resolved and the recurring charge was handled. 

Then I was reviewing my bank statement this month and discovered they have restarted the recurring charge. The only reason I didn't catch the charges is that I have multiple online subscriptions the auto debit my account like XXXX ... of whom are authorized ... and who are for the exact same amount {$9.00}. However, this time I did not even go to the XXXX website nor access their music services or library. I explained this to the XXXX representative that It could be ascertained by XXXX that I had not and have not been to their website nor had I used their XXXX services at anytime!!! 

In short, at NO TIME did I ever authorize, sign-up or otherwise even visit the XXXX website. I contacted XXXX this month ( XXXX ), a second time, and the agent I spoke to said she could credit back two months services and cancel the account. I asked to speak with someone with more authority, as I wanted all the fees they charged me refunded, and the XXXX representative said that was all she could do. 

In summation, I am requesting a full refunds of all the monies charged to my bank account. In addition I want to lodge an official complaint that I believe that the way this service was added and then billed to my account was done deceptively and as a predatory practice. I think they intentionally get you to click on something to agree to them billing you each month and you have no idea you signed up for anything. Then when you find out they are billing you and you want to dispute it they make the process difficult and time consuming so that when the agree to cancel the account and only refund some or none of your monies you reluctantly agree as you have no real recourse except, Thank XXXX!, that we have the CFPB!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/XXXX I filed a dispute with XXXX, Transunion and XXXX credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and have noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

here is the item ( s ) I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX