davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (NC)

On Friday XX/XX/2022, I contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that XXXX XXXX uses Transunion Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from 6-18 % with loan terms of 12-60 months. 
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on Transunion. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my credit score was a XXXX, which is demonstrably false. 
On XX/XX/2022 I reached out to Transunion to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a 19-point drop, and is currently XXXX. 
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from Transunion. I provided all the evidence I had via email. 
On Monday, XX/XX/2022 I contacted XXXX ( XXXX XXXX ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact Transunion again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. 
XXXX XXXX XXXX  has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX ) account with the account number XXXX is being reported inaccurately. The Date of the Last activity is at the year XXXX while the payment history is on XXXX already. This show 's that the company is illegally re-aging this account. Also, you can see at the report that I have attached that XXXX XXXX  XXXX has different statements. Please see this matter and address it immediately. I've already sent a letter to bot the XXXX, XXXX and even MID LAND FUND. They have not completed the investigation of this account.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$0.00} AD XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX/XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (GA)

On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible. 
Thank you, Ms. XXXX XXXX The Artists XXXX XXXX  XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (NY)

THIS IS OUTRAGEOUS I WOULD NOT BELIEVE THIS ONE IF SOMEONE TOLD ME IT : I have been waiting on hold now for over an hour the lady was very sweet but XXXX of my money has disappeared leaving my account over drawn to the tune of {$890.00} and no one has heard or seen anything. 

I am sorry for maybe looking like the face of evil, but XXXX  are just not accustomed to this type of treatment luckily XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or it could be a real situation Huntington Bank would have on their hands. 

I don't think I am out of line in saying that this bank is a bunch of crooks that have robbed me without a mask or a XXXX several times and someone needs to get a handle on this problem... 

I am really at a lose for words here. 

***yet another duplicate transaction for XXXX dollars on the same day has come into my account on XX/XX/02
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Pulled my free annual credit report from Equifax and my old bankruptcy is still listed on the report. I was advised at the time of filing this chapter of bankruptcy would remain on my report for SEVEN years which has no passed. I attempted to file a dispute but was advised Equifax could not verify my identity after it had already been verified to receive the report. Equifax Report Confirmation # XXXX. I think this is ridiculous. 

My bankruptcy is over 7 years old which I was advised was the time limit for the case remaining on my credit report for the Chapter of Bankruptcy I filed in XXXX of XXXX. Reference Number : XXXX on Equifax report date XX/XX/XXXX.
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly {$4000.00}. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected {$300.00} added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am learning as I go of the home purchasing process, with that said I feel like something was not done correctly in my situation and that has caused my financial hardship. How is it possible that my escrow account was basically emptied with no regard to what that would lead to in the future of my account. I was not cautioned or assisted in what this large amount of money withdrawn from my escrow account could be needed in the future, which is now.
Consumer complaint received 2017-03-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (UT)

On XX/XX/2017 my son went to the ATM to deposit {$600.00} in money order and {$59.00} cash. The machine only took the {$600.00} and {$30.00} cash and he went to the counter to deposit the {$20.00} cash. I checked my account and nothing was posted. I went to the branch and they said nothing was out of order. I have my money order receipt for the transaction.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

This company is after a debt they believe a family member owes. They have threatend to report a negative credit report and tried to collect payment from me. I never signed up for the internet service or have had an account with them. I never submitted to co-sign or use my information for my family member to get an account. This family member also paid all the fees for early termination and turned in equipment and they are after this person also.
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8200.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX FXXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXXC ( Original Creditor : XXXX VXXXX XXXXXXXX ) XXXX {$1000.00} XXXX & XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$95.00} XXXX & XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX & XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/202XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX of inquiry XX/XX/2020 XXXX XXXX NA Date of inquiry XX/XX/2020 XXXX XXXX NA Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The company, XXXX XXXX XXXX, AND XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, Equifax, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( XXXX ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
Consumer complaint received 2021-12-22
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. (IN)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support
Consumer complaint received 2018-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 

Thank You.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

On Wed, XX/XX/2022 an unauthorized transfer was made to XXXX XXXX in the amount of {$830.00}. 

I contacted Chime to dispute the transaction and they denied the request to refund my monies. 

My Veteran 's Benefits and account with the XXXX XXXX  and Chime should be FDIC insured.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I opened a Care Credit credit card account about 2018 for dental work. The credit card is set up to have deferred credit. You are given a set amount of time to repay charges interest free. If you don't meet the deadline then interest will accrue including the deferred amount. When a new purchase is made, it has it's own deadline. The issue is in the application of payment. Payment is applied to the newest purchase and not the oldest. Therefore, high interest is accrued on the oldest purchase with payment being applied to the newest purchase. This is a way for Care Credit to gouge interest income. My complaint is that applying payment to the newest purchases and not the oldest purchases is deceitful. Payments should be applied to oldest purchases first. 

I have attached a copy of a Care Credit statement. Page XXXX under XXXX  XXXX  Calculations shows how Care Credit calculates and charges interest. Under XXXX XXXX XXXX XXXX terms and conditions are explained EXCEPT the fact that payments are applied to the newest purchase.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY NICHOLAS FINANCIAL INC # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2021-12-22
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. (SC)

XXXX, XXXX and Experian are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Consumer complaint received 2023-01-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (WI)

I have {$91000.00} in student loan debt with Sallie Mae. I did not graduate. I can not afford the monthly payments, which currently add up to {$1000.00} per month. About three years ago, I spent countless hours and days on the phone trying to get them to help me lower my payments, and every time they would propose a solution, put me on hold, and come back and say I dont qualify. I had no choice but to stop paying. They called members of my extended family in addition to relentlessly calling myself and my nuclear family, anywhere between 2 and 15 times per day. Just before they sent my debt to collections, I called one last time and they gave me a deal which capped my normally-variable interest rates at 4 % which brought my monthly payments down to {$510.00}. For the three years that plan was in effect, I was current. The plan abruptly ended in XXXX of XXXX with no warning, though they claim they sent a notice. I never received a notice. I called on XX/XX/XXXX, and was told to let my account go overdue, then call back and Id be able to speak to their hardship department about assistance. I called today, XX/XX/XXXX, and they listened to the recorded phone call from XX/XX/XXXX and admitted that I had been lied to and refused to help me, again claiming there is nothing they can do. This is ruining my life.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-07
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MI)

I don't owe anything to ERC with account number XXXX. They should have confirmed this from the Original Creditor ( XXXX XXXX  ) since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

The account LVNV FUNDING LLC with the account number XXXX is clearly a collection but why is this account reporting a " past due ''. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.