davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ross Financial Recovery Group (ID)

Have been receiving phone calls for months from this Company. They call asking for someone who is not related to my phone number. I have told them repeatedly, repeatedly that I do not know the person they seek, and after several calls asked them to stop calling my phone. I was told on more than two occasions that they would stop calling, but I continue to receive their harassing and  threatening calls. Calls state some kind of complaint action filed. When I would ask for specific information or ask to speak to someone in charge I always get some kind of smart-alec attitude and then they hang up on me. I should not have to become extremely angry to get someone to pay attention to the fact that they have an incorrect phone number and are calling and harassing someone that knows absolutely nothing about the person or the debt they are asking about. This is absolutely outrageous that these people are allowed to continue this kind of unnecessary intrusion into innocent bystanders lives. These unscrupulous businesses should be fined or caused to cease this activity. Better yet, give me their home phone numbers so that I can return their unkindness and call them continually for months harassing them about something they know nothing about. They call using these different phone numbers, to camouflage who is calling, so people can not even know how many countless times they have been harassed. This company should have their phone service discontinued!
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

This sham company is robo calling me from my original reaching out to this near bankrupt company over XXXX years ago! No, I am not interested in a mortgage or your products! Immediately, cease and desist all phone, email and US mailings. My number is : XXXX.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Called Bank many times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times and have been hung up on many times. I spoke to a XXXX, XXXX, XXXX, XXXX, XXXX. to no avail. I was incorrectly charged an amount of {$150.00} due on XX/XX/XXXX and sent them correct amount of XXXX which they received on XX/XX/XXXX and that check was cashed. I checked on my statments on line and the XXXX statement was missing and my payment of {$100.00} was not shown as made, yet my XXXX XXXX XXXXXXXX statement showed that the payment made to Commenity cleared. I have been charged XXXX late fees of {$30.00}, XXXX of {$40.00} and a return check fee of {$30.00}. I have excellent credit and have never been in this situation before. Today, XX/XX/XXXX, I tried to sent a secure message which is shown on Comenity 's site and after completing the message and attaching the attachments a message said that the attachments would not attach but I could send the message without the attachements. It could not be sent. I did send a letter via snail mail on XX/XX/XXXX as per their request showing the information they requested and when I called on XX/XX/XXXX, they said they did not receive my correspondence. They do not have email or fax only regular mail. I have paid them everything I owe including my last payment of {$96.00}. the only thing outstanding are the fees and interest totaling {$100.00} which is due XX/XX/XXXX. Please advise what to do.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

XXXX is the last complaint I filed with you regarding this company. Even after I filed this complaint they did not investigate or validate this debt. This debt is not mine and I have never seen the provider listed on the I voice. Sending me an invoice for a provider I've never seen does not make the debt mine. And thar very invoice shows a XXXX  balance yet it's being reported otherwise. 

The credit bureaus decided that by mid XXXX, medical debt less than {$500.00} will no longer appear on credit reports run by XXXX, XXXX or XXXX. Yet despite this debt not being mine, validated, not having written consent and being under {$500.00} in the year XXXX  this company is illegally reporting it. This is abusive. So SCA Collections is in violation of the FCRA and XXXX. 

If this fraudulent account is not removed, I will contact the Attorney General and also hold SCA Collections financially responsible for all charges I incur from higher interest rates due to the reporting of this fraudulent account and blatant refusal to remove it. This is defamation of character.
Consumer complaint received 2022-05-21
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: National Credit Systems,Inc. (TX)

on XX/XX/XXXX I was notified about {$9200.00} needs to be paid to National Credit system. XXXX inform me that debt was due to XXXX XXXX at XXXX XXXX XXXX, I called XXXX XXXX and was told someone used my ID to rent and did not pay some times between XXXX XXXX to XXXX XXXX.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX XXXX can see in my credit report the following hard inquiry : Company inquiry : XXXX XXXX Sales Date of inquiry : XX/XX/2023 Credit Bureau : Equifax
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (NJ)

In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. BEST BUY/CBNA Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. THD/CBNA Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My husband and I were struggling to pay the mortgage ; I was out of work and I had XXXX  and my spouse was a new attorney looking for a job. I contacted Wells Fargo and they offered me and my spouse a modification plan. My refuse to sign the paperwork and filed for divorce. He would not help me with the payments. I had to borrow money from family members to obtain an attorney in addition recover from XXXX. I obtained employment and I was told that XXXX couldnt help me unless my spouse signed a quick sale to me the home. He refused. I couldnt afford the back pay and they put my house on the foreclosure list. I had to file bankruptcy to keep my house.
Consumer complaint received 2017-11-21
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. (IL)

I contacted Transunion to remove an item from my credit report it was stated it was removed and then added on withut a 5 day notice which is not legal. It was also in my report as date opened on XX/XX/XXXX but the close date of the account was XX/XX/XXXX.
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (TX)

This company is a horrible collection agency, they wont quit calling while I am at work. They keep sending me medical bills that have already been paid through another agency in XXXX, XXXX XXXX years ago. This collection agency keeps threatening me to sue me. I wrote them in XX/XX/2021 to get dates of service, what the debt was for and they will NOT respond. I wrote them a XXXX notice letter which is attached. Medical bills are not suppose to be on your credit report under the federal trade act so they are in violation.
Consumer complaint received 2022-05-21
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)

EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A CREDIT CARD. THEY KEEP TRYING TO SELL ME CREDIT CARDS TO BUILD UP MY CREDIT PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO DISPUTE DUE TO PREVIOUS DISPUTES OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO DISPUTE DUE TO A PREVIOUS DISPUTE THEY DID NOT VALUE NOR CHANGE. I AM BEING CRIMINALIZED BY A CONGLOMERATE RAN BY XXXX XXXX LABELING ME AS A CREDIT RISK DUE TO REFUSING TO PURCHASE CREDIT CARDS, DISMISSING DEBT FROM OVER XXXX AND MARKING PAID IN FULL ACCTS AS POTENTIALLY NEGATIVE WHILE TELLING ME POTENTIAL CREDITORS WILL NOT LOAN TO ME DUE TO A THIN PROFILE MAKING ME A CREDIT RISK UNLESS I PURCHASE A HIGH XXXX CREDIT CARD FROM THEIR LISTED PARTNERS!!! I AM BEING VICTIMIZED BY EXPERIAN HOLDING MY FICO SCORE TO POOR ON ACCTS FROM XXXX THAT ARE CLOSED BUT THEY LIST IN RED POTENTIALLY NEGATIVE!!! EXPERIAN IS VIOLATING MY FREEDOM TO NOT CHOSE TO USE CREDIT CARDS AND REFUSING TO TAKE OFF DEBT FROM OVER 5-7 YRS DUE TO KEEPING PARTNERSHIPS WITH DEBT BUYING COMPANIES SOLD AFTER COMPANIES FILED BANKRUPTCY!!! EXPERIAN IS CRIMINALLY DEFRAUDING MY CREDIT REPUTATION WITH AN INACCURATE FICO SCORE THAT DOES NOT INCLUDE MY RENTAL NOR BILL HISTORY. I HAVE NO EVICTIONS, BANKRUPTCIES AND PAY ALL MY BILLS ON TIME. EXPERIAN HAS LABELED ME AS A POOR CREDIT RISK WITH A FICO SCORE OF XXXX USING XXXX CLOSED STUDENT LOANS DATED XXXX, AN OUTDATED PAYMENT HISTORY ON XXXX XXXX, XXXX BOUGHT DEBT OF {$610.00} DATED XXXXDISPUTE IGNORED, XXXX PAID BOUGHT DEBT FROM XXXX ALL LABELED POTENTIALLY NEGATIVE!!! I HAVE CLOSED MY XXXX XXXX XXXXXXXX CREDIT CARD ONCE IT WAS PAID IN FULL AND THEY REDUCED MY CREDIT SCORE BY XXXX XXXX KEEPING ME AT A POOR CREDIT RISK. EXPERIAN IS FORCING ME INTO PREDATORY CREDIT VULTURES WITH THEIR CRIMINAL TACTICS WITH THEIR DEBT BUYING PARTNERS AND VICTIMIZING ME BECAUSE I REFUSE TO PUT MYSELF INTO DEBT BY PURCHASING CREDIT CARDS!!!
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX work : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account. 

I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX. 

I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer. 

I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank. 

I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MT)

I requested a credit report from Experian n realized there's a different last name with an opened account that is not mine the account is under XXXX XXXX, nevr went by this name, nevr seen it bfor, my credit went way down... says I also own a house I nebr lived in
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

I asked him for an audit of the account they refuse to close accounts. They return payments when money is in the bank. I had to go in personally to close the accounts to only have them still remain active. Have current pictures to prove so. I would love so, like the money returned, and the surcharges for the return payments as well. I am having issues with uploading documentation. If you could send a link, I would appreciate it.
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602States

i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my writing instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open and consumer credit plan as a late for any purpose.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/22 I transferred my entire balance of {$4000.00} from my Truist Checking Account to one of my XXXX XXXX XXXX checking accounts. On XX/XX/22 Truist closed the checking account at my request, and sent me a letter confirming the action. I never received the funds in my XXXX  account. On XX/XX/22, I attempted to find out where my money went. Truist Client Center told me that for unknown reasons, XXXX  XXXX XXXX rejected the transfer. Since my Truist account was closed, there was no where to put the money. It is important to note that Truist never informed me of this fact, and still has not provided my funds.
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (SC)

I started a payment plan with this company thinking i had no option. I started paying {$25.00} a month soon after I changed cards and recieved a call about payments being in default. I looked up information on what I could do and sent a letter of validation where the responded with a bill statement. I've called lawyers and I've been told that if I never received a letter within the first 5 days of the company assuming my debt then I could have a debt scrubbed from my credit being they violated my rights.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CarMax, Inc. (CA)

XXXX preapproved for auto loan with XXXX XXXX auto navigator went to car max to purchase vehicle and was approved but was told I got denied because of not enough down payment so shopped more at dealership found more expensive used car ended up walking away because they wanted to much down payment. I shop at XXXX more dealerships over the month and in the end got denied because of to many inquires. I call XXXX XXXX cause I was concerned with the inquires and with the fact I went in there pre approved so why so many inquires come to find out the first car I applied the numbers were off by XXXX dollars if I would if upped my down payment by that amount I would if gotten car on terms advertised with XXXX XXXX. Dealership did not mention this and tried to sell me a different car. 
I find all this out after I went back to dealership and confronted them about it. I would of had car I wanted if dealership informed me of situation instead of selling me a different car now nobody w to ll sell me a car and Im stuck in a loan now with high interest and worse credit score. Also o never told dealership to shop for loan because I already did and went to them assuming they were working on my loan approval not entirely diffident bank altogether
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Thats on XX/XX/XXXX2024 I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XXXX XXXX, 2024 XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) XXXX XXXX XXXX XXXX. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Consumer complaint received 2022-05-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

I have turned this debt over to XXXX XXXX to work out a settlement to work with Regional Finance to settle this debt and they refuse to work with me to settle. They call me all day over XXXX to XXXX times a day. They sent me a letter to seize my personal property. I again referred them to XXXX XXXX to work with them and they refuse. They call my employer and do not want to work on a compromise. I already informed them I am trying to work on a settlement they refuse
Consumer complaint received 2022-05-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

There was a discrepancy on my credit file for a debt balance that was already resolved. I've made several attempts to rectify this with the company through credit disputes but they still have not rectified the situation and continue to claim that I owe {$120.00} as of XX/XX/22.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I am a lifetime Citi customer and recently had {$32000.00} stolen from my account via an unauthorized wire transfer. 

In the span of XXXX minutes on XX/XX/2022, I received three emails : - The first letting me know that a new payee had been added to the account - The second IDENTIFIED an attempt at a potential fraudulent transaction - Before I even had the opportunity to see the email on my phone, the wire transfer was sent and all of the money in my Checking Account was stolen without giving me the opportunity to identify whether or not it was a fraudulent transaction. 

In the immediate aftermath, I followed every instruction I was given by Citi. I called customer service, opened a fraud case, went to a local branch, and filed an affidavit. 

I was told there would be an update in 2 business days and that the case would be resolved in XXXX days. In 2 business days, I was told to call back in 4 business days. In 4 business days, I was then told the case would be resolved in XXXX days. The next representative I spoke with told me the timeline was XXXX days. 

After a Citi rep told me that I was eligible to file for a provisional credit, I called the department only to discover that another rep told me that wire fraud cases weren't eligible for provisional credit. 

I am extremely worried that Citi will not reimburse me for the theft, increasingly so after doing research and seeing the feedback from Citi customers who have gone through a similar experience.