davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2020-07-27
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)

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (OH)

I was scammed..towards the end of the activity, when I realized what was happening..I shut down my computer, put a block on my account then called the bank and explained what had just happened and told them not to release the funds..They REFUSED! ... Said I would have to wait until after it posted ... then I ask Regions to put a block on my accounts to safeguard me and the bank from any more funds leaving the bank.. 
The next day informed the bank to unlock my accounts Now..Had scanned my pc for any lingering Malware. 
After numerous calls, emails, being on hold for hours..disconnected multiple times, They said they would in fact do that, but they have not done so and have been giving me the run around daily..this does not begin to show the terrible frustration from being bounced around from dept. to dept., person to person..Informed them I had many automatic .. payments that would be coming out of my account..Throughout this entire process they were given all needed id verification from me.They assured me there would not be a problem ... but..the auto payments were not paid and I began to get notices. 
They are going to ruin my credit by not solving my simple request ..their inefficient actions are unconscionable for a XXXX  dollar company and to treat their customers so poorly.. 
This issue could have been resolved in one ten minute phone conversation..but I have yet to get access to my accounts..The pandemic is no excuse for not being able to solve a simple request timely.. 
There are many more details ... too many contacts for me to list..too many emails..too many disrupted phone calls. One hardship to overcome was the bank 's policy not to give out direct phone numbers to the correct departments. 
It has been 11 days and I am still unable to access my accounts. 
Their phone answering system extremely user unfriendly, inefficient, very slow, disconnected often.. 
Sincerely Mr.XXXX  XXXX
Consumer complaint received 2018-05-01
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. (MS)

Tried to get inquiries removed from my accounts with TransUnion, XXXX, and XXXX told them that they were not authorized but the companies refuse to remove them.
Consumer complaint received 2022-06-16
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  account XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX, and 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 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: DriveTime (GA)

Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I opened PayPal account and had my unemployment benefits sent .now they froze my account with XXXX dollars in it and tell me I can use paypal Anymore .will not allow me to access my money.
Consumer complaint received 2020-07-27
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. (FL)

Experian currently reports the following account inaccurately. 

Account under the name : XXXX XXXX  This account currently reports both my name and address inaccurately a violation of FCRA rules section 1681 This account currently reports inaccurate balance and paste date of activity a violation of FCRA rules.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

someone opened the online account under my name in XX/XX/2018 now the account have balance of {$960.00} in XXXX XXXX XXXX XXXX XXXX. I contacted them and they don't want to admit it was their mistake opening the account without verifying my identity first
Consumer complaint received 2020-07-27
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. (FL)

After reviewing my annual credit report I've notice that transunion currently reports an account under the name : XXXX XXXX  inaccurately. 

1 ) The name and address on this account is completely inaccurate and misleading. A violation of FCRA rules section 1681 2 ) The reported balance is wrong and inconsistent a violation of FCRA rules 3 ) The last date of activity is inaccurate a violation of FCRA rules.
Consumer complaint received 2020-07-27
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. (TX)

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I deposited a cashiers check XX/XX/year> from XXXX ( {$850.00} ) into my checking account and received a text message stating it had been deposited successfully. XXXX days later ( XX/XX/year> ) i was unable to use my XXXX XXXX or debit card. When i called Simmons they informed me that there was a fraud hold on my account due to the cashiers check. I could not log into my account, use my debit card, XXXX XXXX, and my auto payment bills are being returned. XXXX reached out to Simmons and sent over verifying information that the cashiers check is in good standing. Simmons still has the hold on the account. The bank is telling me the fraud department is outside of the bank with no way to contact them but email. On yesterday ( XX/XX/year> ) after reaching someone sympathetic to my situation, they sent out an email that resulted in me regaining access to my account and use of my debit card but the cashiers check is still on hold with no update of whats to come. I should have been notified initially! There should be better means of communication with the fraud department. What next? How long will their be a hold? Why not release the cashiers check to XXXX  so they can issue a new one?
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXXXXXX which involved me making deposits for a total amount of XXXX XXXX from my Robinhood account to fraudulent investment firm ( s ).
Consumer complaint received 2022-06-16
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. (AZ)

On XX/XX/2022, I contacted XXXX DBA XXXX XXXX to inquire about removing my private mortgage insurance ( PMI ). Upon request, the agent said they were unable to remove it without a refinance. At no point did I consent to a refinance, and at the end of the conversation, the agent told me that it would not be a good option for me at this time. Today, I received a packet from XXXX that had a loan application from that conversation. At no point was I going to refinance my current mortgage ; especially with the current rate percentages. XXXX pulled my credit without my permission, and per FCRA, I should have this inquiry removed from my credit report, as this was something I did not consent. Also, the interest rate lock agreement violates UDAAP, TILA/Regulation Z. The buydown points are listed as a discount, fully ignoring the fact that the loan amount is increased to accommodate the buydown points. The section that shows points is the origination fee ; a completely different amount than the points charged on section A on the loan estimate. This section clearly outlines the points as {$9900.00}, which is listed on the interest rate lock agreement as {$1400.00}. This is deceptive advertising ; misleading the consumer into thinking the discount and points are the same amount WHICH THEY ARE NOT. XXXX is in violation of fair advertising per Regulation N/MAP, because they are not being truthful in the amounts that are being charged to the consumer, and disguising the buydown points as a " discount '', and omitting that value from the " points '' line on their interest rate lock agreement.
Consumer complaint received 2020-01-31
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. (NV)

Experian has on my credit file page 11 of 14 dated XX/XX/2019 under Personal information XXXX XXXX in which I have never used that name for any type orf credit or anything else of that matter. Experian needs to show proof of documents of any credit applied for in that name.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-06-16
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: AMERICAN EXPRESS COMPANY (NY)

I sent a letter on XXXX XXXX, XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX , and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2020-01-31
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. (NV)

I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I reviewed my consumer report and noticed that I had several different late payments on each of my credit accounts that i was never late for. Also the Account shows different balances. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of there abilities with maxium accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attahed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing 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 2022-06-16
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)

In accordance with the fair credit reporting act 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 XXXXXXXX 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-16
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. (PA)

In accordance with the fair credit reporting act 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  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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Commerce Inc (PA)

I have a loan with PEOPLES COM. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems (TN)

This company Midwest Recovery Systems keeps adding and deleting this account without contacting me or validation of this so called debt. I filed complaints about this company before with the CFPB and the inaccurate account was removed. The complaint numbers are XXXX & XXXX. This account was added in XXXX and disputed and was deleted in XXXX or XXXX of XXXX. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of  Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

My mother passed away two years ago my father is struggling to pay the mortgage she XXXX years old hes been paying on our mobile home for 30 years they tried to tell him that he didnt know but if you more years but now they keep sending him a bill saying he owes XXXX and XXXX every month and our mortgage is only {$450.00} a month