davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/XXXX deposited my payroll check into Regions bank XXXX XXXX XXXX TN XXXX XXXX XXXX. Went through verification visited the bank XX/XX/XXXX my funds hadnt been released bank teller advised me to go back to the ATM and deposit the check which then the atm ate my payroll check and shut down completely. I have images of the atm shutting down and not spitting my check back out. Claim was submitted and I was advised I would be credited within 24-48hrs it has now been over a week and no answers or resolution.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-07-01
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. (ID)

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support 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 childsupport XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Helbing Law Group (GA)

Name of Company : HELBING LAW GROUP, XXXX Purpose : Credit Card help Duration : Over 1 year I enrolled with Helbing Law Group in XXXX of XXXX in pursuit of debt settlements with some short-term lenders. My account was established with a monthly payment of {$480.00}. XXXX As of today, I have paid over {$3500.00} to Helbing, yet my special purpose account contains just over XXXX. The remainder is eaten up by " fees '' - yet no legal work has been done. When I email them, I never receive a response or a generic " thank you for your sending your statements '' response. I called on XX/XX/XXXX and still have not received any Legitimate reason for no settlements to the 4 accounts I had them attend to. acknowledgment : '' I am writing to revoke my ACH authorization to Helbing Law Group and to cancel my participation in your payday loan settlement program. This is not a decision I came to lightly, but after paying them over $ XXXX for 14 months, I have XXXX settlements to show for it and only {$3000.00} in my special purpose account - when I have paid you over {$3500.00}. I do not believe they have ever even started to attempt to negotiate any of my balances or that any action has been taken on my accounts, as I still receive statements and emails from my creditors and collection agencies. I thought the company was a God-send and it turns out they are no better than the companies from which I was trying to get relief. At this time, I am requesting a FULL refund of {$3000.00}, which is all the money I have paid to this point. I would entertain the deduction of a small administrative fee ( which looks to be less than $ XXXX, so no more than {$100.00} ) for servicing my account during this time, but the funds I have provided have done nothing but line their pockets.I respectfully request a response and confirmation for my request in an expeditious fashion. " I sent a follow-up a voice message on XX/XX/XXXX which had also gone unanswered until I stopped paying them. At this time, I request a FULL REFUND of all monies paid to Helbing - totaling XXXX - since they have apparently done no work on my account, have reached no settlements with my creditors, and have earned no fees I've paid. 

Also, my credit score went from XXXX to XXXX ... .I can not continue to be handled in this matter
Consumer complaint received 2020-06-10
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)

XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to Experian. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that Experian provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax is violating the FCRA and not adhering to the law governing such. The accounts are as follows : 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 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

Equifax has taken 60 days including the investigation. I have all certified mail receipts.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used my debit card at a gas pump and pump was broken, i filled up my gas tank but, the gas pump meter continue to run and charge me money for gas i did not get. My car 's gas tank holds 12 gallons and the gas pump charged me close to a {$150.00} ( this is more gas than would fit in my gas tank ). i tried to fix with gas station but, they could not fix and they told me to call my bank. i filed an unauthorized charge for {$98.00} claim but, my claim was denied. I was charged XXXX but, did not recieve gas for XXXX i want my XXXX refunded back to me. I've filed complaints via email with my senator marco rubio, my congressman john rutherford. i also filed and submitted a consumer complaint form with florida attorney general 's office ashley moody.
Consumer complaint received 2024-02-23
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-03
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. (PA)

My data was breached that Equifax was supposed to be protecting. In fact I have never given equifax the expressed written consent to use or furnish my personal information. I am not sure what gave them the authority to do so. I want to be compensated for my personal information being compromised in the amount of {$50000.00} and free credit monitoring services for life.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened the HSBC business checking account in XX/XX/2019 and met the requirements in XX/XX/2019 but I have never received my {$300.00} bonus. I have contacted the bank several times and could not get this resolved.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (FL)

On XX/XX/2020 the company contacted my boyfriends father my boyfriend and my mother all looking to speak to me over a debt. They asked my mother for my date of birth and address she gave it to them and then they gave her further information on my debt. 

I called this company after I saw that I had a missed call before I knew that they called my entire circle. They threatened to sue me because I dont have the money to pay for it they told me that I should stop paying for my home in which I live in to pay them. I was told that I would be taken to county courts to solve this issue and may have a home foreclosed on because of {$1900.00}. I then called again after I found out that they called these people and they did not give me a straightforward answer as to how they received any of these numbers and why they would give out any of my information. I have never received one piece of mail from these people other than phone calls. 


Atlantic recovery soloutions XXXX
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp. (SC)

In XXXX I financed a XXXX XXXX XXXX  XXXX from XXXX  XXXX off XXXX XXXX in XXXX XXXX, SC. Part of my finance package is free oil changes with XXXX power train and 7 year engine warranty. I bring my XXXX XXXX  XXXX in to the dealership garage for oil changes, I have realized that XXXX has been stealing parts off my vehicle, some parts are just not on the car and some parts are swapped out with old XXXX parts. A lot of parts/ components are missing now. My fuel line is a open system. To many missing parts to lists. I was thrown off XXXX XXXX property and told to call an attorney. Toyota finance said they can not uphold the warranty that XXXX XXXX agreed to. Which is a contract breach. The dealership is not fit to service the vehicle and I need an oil change now and my car back too. Toyota finance says the dealership has the title. I need the title, and a new car. Now. Please do the right thing. XXXX denied my claim, terminated my policy, threw me off their property and told me Im not their customer. I told StateFarm I need my coverage payments returned and XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX threatened to XXXX me off the property. Please kill two birds with one stone here ... Both parties are atrocious and need to be brought to correction. Please sue their pants off. Now. Please respond by email to XXXX Sincerely, XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I submitted a letter to Experian That I was awarded within arbitration from the creditor of inaccurate information to account. Attached is a copy of dispute request sent to Experian along with Court document of awarded arbitration settlement. I received report back from Experian who in turn did not follow the agreed terms of settlement arbitration and per request has not deleted inaccurate information on my credit report with them. I advise by Experain that they attempted to investigate with creditor and or third party source which no evidence was found by either creditor or third party. Experian attached letter has requested me to reach out to creditor which not contact is available. Hence, reason of attached awarded arbitration settlement. I have requested that any and all items for such creditor be removed from my credit report.
Consumer complaint received 2019-02-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

Original complaint filed XXXX. We continue to have issues with XXXX XXXX  collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.
Consumer complaint received 2020-01-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JTM Capital Management, LLC (WI)

On XX/XX/XXXX I took out a payday loan with XXXX, In XXXX of XXXX I was under the understanding the debt was paid in full. They continued to attempt payment so I stopped payment to XXXX XXXX. Sometime in XXXX I was contacted by XXXX XXXX for collection of my XXXX XXXX debit. I paid them monthly installments of {$75.00} until the debt was settled with XXXX XXXX. In XXXX of XXXX I was contacted by a no caller ID number ( along with my brother was contacted in regards to my personal matter ) stating they were making arrangements to visit my home for me to accept a certified court notice or I should call XXXX XXXX  to obtain further information. To which I called and spoke with a XXXX XXXX who told me it was for an outstanding debt owed to XXXX. I sent my documentation and was told the case was closed and all records were to be removed from my credit report. XXXX of XXXX I was contacted again in the same manner, this time I was given information from XXXX  XXXX   XXXX  working with a XXXX XXXX. Went through all the same steps and again was told case was closed. Yesterday I was contacted again by a no caller ID, certified court notice, and to contact XXXX XXXX to which they told me no payments have ever been made to XXXX  XXXX  and that my court date was set and that I would need to appear to dispute this matter. I have contacted XXXX   XXXX  to which they would not give me information as my file was sold to JTM Capital management. I believe this debt to be paid and settled and have attached my documentation of this matter
Consumer complaint received 2023-07-07
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. (WI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2020-01-03
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. (GA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-03
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. (GA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NJ)

In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. 

For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. 

They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and  XXXX XXXX to cease their 3 year long harassment of me.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to cooperate will result in a complaint being filed within 10 days.
Consumer complaint received 2023-06-28
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. (MO)

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. 
XXXX XXXX XXXXXXXX XXXX. has violated my rights. 
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 an account without my written instructions. And delete, this address never lived here XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.