davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS COMPLAINT SUBMITTED BY MYSELF XXXX XXXX THIS IS FOR TRANSUNION : my current report shows : 1. XXXX ( XXXX ) with a XXXX available credit & XXXX balance missing. This account reports to ALL XXXX bureaus 2. XXXX XXXX XXXX XXXX has XXXX available credit with a XXXX balance not a XXXX bal
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX A : XXXX, XXXX XXXX  : 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-28
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: AES/PHEAA (NC)

Student loan has been reporting the wrong balance before school was shutdown for fraudulent Activity. 
There are duplicate student loans that are reporting negatively on my credit report I have tried to resolve this issue several times
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was charged XXXX dollars a month totaling XXXX XXXXXXXX XXXX XXXX XXXX for not having a XXXX XXXX dollar monthly balance in the personal and business accounts due to me not being able to work after an automobile accident
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. 

Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. 

An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. 

A compliant with the XXXX  was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

First things first. My credit score is above XXXX and has been for many years. 
I unfroze my credit reports on XXXX XXXX. Applied for Sam 's Club MasterCard on XX/XX/XXXX. Bank checked credit same day. 
Received letter dated XX/XX/XXXX several days later, advising that I need to call them to verify my identity. I did that on XX/XX/XXXX. They asked a few questions and I was told that I would be receiving a letter in the mail within 10 days advising status of the application. Letter never received.. 
XX/XX/XXXX sent an e-mail to Sam 's Club advising I had not received a reply from the bank. 
XX/XX/XXXX Received a call from Sam 's Club and explained the problem. They connected me directly to a representative of Synchrony Bank. Could not get any satisfaction from the rep, and I asked to speak with a supervisor, which I did. My concern is why is it taking so long to get a credit card, when other banks promise instant approval. After arguing with this supervisor, she finally told me that the card application was denied. Pressing for a reason, she said they could not verify my identity. Kind of ridiculous, because I called them. If they weren't able to verify my identity, that surely wasn't my fault. Obviously, they didn't ask the right questions. I was told I would be getting a letter in the mail That was almost a month ago. Still no formal written denial of my application. 
The supervisor then went on to tell me to apply again. That is absurd. 
First off, the inquiry to my credit report was the first one since XXXX. I refuse to re-apply because they were given enough information in the first place. Secondly, l will not unlock my credit reports as I do not want an unnecessary inquiry on there. I am a former XXXX XXXX and I am very familiar with how this stuff works. 
The Sam 's Club Master Card has many benefits, and the store pushes it almost with every purchase. I don't think Synchrony Bank is doing themselves or Sam 's Club any favors if how I was treated is par for the course. Why does it take such a long time to get any response from the bank? That is one of my complaints. Being denied for them being unable to verify my identity is not my fault.
Consumer complaint received 2019-09-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Contacted company when I lost my Job XX/XX/2019. We had just got the house in XX/XX/2019. 
I told them I lost my job, wife needs 2 XXXX XXXX, I need to help her and take the 6 month deferment they offer on their Loss Mitigation. 

They seemed to say they cared and wou ; ld be there if we everr needed them. 

one letter back saying needed more pay stubs ( 2 years ). 
I gave them all the stubs I had back 1 year. Can not access pay stubs anymore. 
I offered to send W2 which I thought they had already. 

I feel they are just stalling and letting me make payments. 
I am paying them out of my saving sof {$7.00}, k. but that is for my wife 's XXXX, which I also told them. 
I feel railroaded into even buying this house. 
We had a 60 day notice and a XXXX XXXX. Could not find a rental so we bought this house. {$2000.00} payments are killing me! 

XXXX XXXX XXXX XXXX XXXX is my user name on XXXX 's site. 

please help
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Bank : Regions Bank Account number : XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX XXXXl - XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX - XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX - XXXX Actions taken by myself : requested by phone wavier of all the above fees
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

There where two check deposit of ( {$4900.00} ) one o. The XXXX and the other on the XXXX. What was happening was that when the deposit was made on the XXXX the subject then made five withdraws of {$980.00} ea. The same happened on the XXXX. A check of {$4900.00} was made and five withdraws were made of {$980.00}. I called the bank on the XXXX and notified them that it was not me and the didnt do anything about it. I told the bank that i was in XXXX which is in XXXX XXXX on the day that the transactions were happening. I submitted a complaint to the bank and they investigated it. However, when i asked for the paperwork regarding the investigations and it finding they denied my request to look at the documetation that led to the determination that I was liable. 

I submitted iteninary, passport with stamp dated XXXX XXXX to prove that I was in another country and that it was not me but USAA would not hear of it and still determine that I was responsible.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I used the service for the first time to take a payment for items I was selling. The customer inpute their card information and I received a receipt, which I sent to the customer via text message. Total purchase was {$7800.00}. After a day or so the funds were not in my account, so I contacted the company. They said they had sent me an email with questions I needed to answer before they could release the funds. I sent them a copy of the invoice which included all of the customers information, and I answered all of their questions about my business. I then recieved an email from them stating that they determined my business to have a high probability of charge backs so they would be closing my account. The {$7800.00} would sit with them for 120 days before they would release it to me. I called them to tell them to send the money back to the customer, and the customer would pay in cash instead and they informed me that because they closed my account they could no longer issue refunds either. 
Essentially they have {$7800.00} of my money that they are holding hostage for 4 months. The customer has the product as I was expecting to recieve the funds.
Consumer complaint received 2022-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

I received communication from XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX that a new debt collection account from Radius Global Solutions was added to my credit report. It states that this is for a medical collection in the amount of {$300.00} from XXXX, however I have never received any form of communication regarding this.
Consumer complaint received 2023-03-08
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (PA)

There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (GA)

XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.

2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case. 

XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case. 

I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.
Consumer complaint received 2024-02-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC (FL)

I was trapped in a financial fraud and experienced a financial hardship. That is the reason I got 10 months behind and I applied for a loan modification on XX/XX/XXXX. I received a letter from Loan Depot requesting for additional documents. My loan modification application was approved on XX/XX/XXXX. On XX/XX/XXXX I received a Home Equity Line of Credit Account Statement indicating Amount Past Due is {$7800.00} and Amount Due This Billing Cycle is {$810.00}, and minimum payment is {$8600.00}. On XX/XX/XXXX, I mailed Cashier 's check with the amount of {$8600.00} to Loan Depot LLC. This statement includes the following transactions : Transaction Date Payments an Other Credits Amount XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$900.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$40.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$320.00} On XX/XX/XXXX, I called the XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX at ( XXXX XXXX XXXX XXXX notifying the attorney 's office that I had applied for the loan modification and the Loan Depot is reviewing my application. 

To my surprise, today ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Loan depot, indicating that the total amount due on my loan is {$4900.00} named as Corporate Advance. How this amount of money comes out? They knew my loan modification application was approved on XX/XX/XXXX but still keep on charging me for free money?
Consumer complaint received 2022-09-25
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. (FL)

On XX/XX/2022 XXXXXXXX XXXX I sent several TRANSUNION executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that TRANSUNION removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave TRANSUNION permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.
Consumer complaint received 2023-03-08
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. (GA)

XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX XXXX XXXXXXXX, and Experian. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. XXXX15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Earlier this year on XXXX, I was approached by an artist who wanted to use my likeness and one of my posts as inspiration for an art project. In return I would get {$500.00}. Her client reached out to me and gave me 6 checks each worth {$900.00} to cash into my bank account distribute to the art material sellers. 5 of the 6 checks were deposited into my account between XX/XX/XXXX and XXXX. When the supposed client asked my to call XXXX in order to confirm a transaction, the customer service rep helped me realize that I was a part of a fake check scam and guided me on what to do next. On XX/XX/XXXX Bank of America sent me Return Item Chargebacks for the fake checks deposited but I still lost {$1300.00} in transactions in which I did not know at the time were a part of a scam.
Consumer complaint received 2021-12-28
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)

equifax reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions banking has been taking {$8.00} a month from my account for not having an average balance of {$1500.00} a month. They refused to wave the junk fees on XX/XX/24
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NV)

Subject : Dispute Regarding Collection Activity and Violations of Consumer Laws Dear Sir/Madam, I am writing to dispute the collection your agency has placed on my credit report, Credence Resource management,. It has come to my attention that your actions violate my consumer protection laws, including but not limited to the following : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite my request for validation information pursuant to this regulation, you have failed to provide the necessary validation of the debt, yet you have proceeded to place this debt on my consumer report. This action is in direct violation of the requirement to provide validation information upon request from the consumer. 


Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in question in accordance with this regulation. It is my right as a consumer to dispute any inaccuracies or discrepancies regarding the alleged debt, yet your agency has failed to provide me with this opportunity.

Violation of Consumer Rights : Your agency has engaged in false, misleading, misrepresentation, and deceptive practices in its collection efforts. These actions constitute a clear violation of consumer rights and protections.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency lacks the authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. By furnishing this account to a consumer reporting agency without adhering to the necessary disclosures, you are in clear violation of these regulations.

I demand that your agency cease all collection activity related to this alleged debt until such time as you can provide proper validation information. Furthermore, I request the immediate removal of any negative entries related to this debt from my consumer report, as they are misleading.

I also request the purchase agreement between your agency and the original creditor.