davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (CO)

On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems (TX)

CRS & Associates have contacted people I didn't give them permission to contact, and left voicemails where applicable threatening penalties, court, and possible jail time. They have said that they are legally okay to contact whomever they want. When asking for an address, they gave me XXXX XXXX XXXX, XXXX, Tx, which doesn't come up on maps. This makes sense because he took a minute to tell me. Also they ONLY accept cards, nothing mailed in. 

They are extremely rude and hung up on me twice when asking basic questions.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (OK)

I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment. 



I was also still able to use my debit card just can not see access my account online. 



I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account. 



Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!! 



Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Between XX/XX/2020 and XX/XX/2020, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPTUM BANK, INC. (WI)

I have been receiving emails from Optum that state '' Your XXXX Advantage Medical Savings Account ( MSA ) has been overdrawn since XX/XX/XXXX. 
It's important we inform you that, according to our records, your MSA has been overdrawn in the amount listed above since XX/XX/XXXX. Please bring your MSA current by XX/XX/XXXX to avoid account closure. '' I don't have an account with Optum bank since I switched to a different Insurance this year. I don't know how I could have over drawn an account that doesn't exist. I emptied that account in XXXX. I believe this is bank fraud preying on seniors or it may be phishing scheme. I don't believe that Optum is so XX/XX/XXXX as to allow someone to overdraw on an account that is closed. This is a small amount of money that could be some internal mistake of the bank accounting fee that I should not be responsible for. thanks for your help. XXXX XXXX
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

My complaint concerns XXXX XXXX, doing business as LoanCare. 

This mortgage servicer that bought my loan from another lender. Their phone service makes it impossible to speak to a live person to receive an explanation for the increase in my monthly payment. I want to speak to a live person. Their phone system makes this impossible. Furthermore, their on-line submission link does not work. 

I appears they have established a system to keep customers from fully interacting with them. 

I want to interact with them but they have established barriers at all turns.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX unions still have account on credit report
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-12-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, Equifax, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX XXXX - XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX XXXX  still have account on credit report
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

The information regarding the account XXXX on my credit profile is reporting different account dates and inaccurate names of the creditor for each bureau. 

I have disputed this information with them directly but they are refusing to delete the account. 

They are reporting inaccurate information and it is hurting my financial future. 

Reporting different dates for each bureau. 

XXXX Date of last reported : XX/XX/XXXX XXXX XXXX Date of last reported : XX/XX/XXXX XXXX Date of last reported : XX/XX/XXXX Reporting different names for each bureau XXXX- COMENITYCB/MYSMLCARE XXXX XXXX- COMENITYCAPITAL/MSC XXXX- XXXX The bureaus are reporting fraudulent payment history as well regarding this account. 

XXXX : Exceptional payment history XXXX XXXX : No payment history XXXX : Reporting one month of payment history
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (CO)

Aargon Agency Inc called my cell phone with an automated/robo-caller on XX/XX/2020 at XXXX and again on XX/XX/2020 at XXXX. Aargon Agency Inc does not have permission to contact this cell number via automated/robo-caller or human caller. This is a violation of TCPA and FDCPA for the following ; Calling a cell phone with an auto-dialer, calling before XXXX, and calling without consent. I have the robo calls and data saved for upcoming litigation.
Consumer complaint received 2018-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.

They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction. 

the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc (NC)

I have received a copy of my credit report and it shows company AFFIRM INC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation (CA)

My problem is with National Collegiate Trusts. I have been sued in California Courts over an alleged debt. My understanding is that in the case that CFPB brought againt them, they agreed not to sue until these debts have been audited. Is this agreement still in force? If it is, are they vilating this agreement by suing me? Lastly, how can I become a member of this class?
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

On XX/XX/2019, XX/XX/2019 and XX/XX/2019 Certified mail was sent to Equifax stating them to provide information that the debt that they have claimed to be mine is accurate and to provide me with original documents with my signature Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.e showing that this debt is mine, under the FCRA. Also Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Not only did they not provide me with the information Requested, they sent me a letter back stating it was mine without even showing how they verified it as being mine? Is this against the law? Can I sue them for fraud? This is what it will be at this point correct? They broke the FCRA law and did not take the proper steps to verify that this debt is mine.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small XXXX XXXX HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and XXXX XXXX still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, XXXX XXXX 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.
Consumer complaint received 2022-07-11
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. (MA)

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove. 

I am also attaching a copy of my FTC report that I filed as well for Identity theft.
Consumer complaint received 2022-08-28
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. (GA)

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  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.
Consumer complaint received 2019-07-15
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. (CA)

On XX/XX/2019 I submitted a dispute for these accounts XXXX XXXX XXXX   Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but Equifax claims they verified the accounts.