davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} IXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (TX)

Topic : Regions Bank is involved in misguided advertisements and collects hidden fees that were not disclosed with the promotional material. 

I received a promotional code ( XXXX ) from Regions Bank with an offer to receive {$400.00} bonus upon online account opening and making XXXX debit card transactions. 

In order to receive the offer i opened the account on XX/XX/2021 with online deposit of {$400.00}. 
Note : 1 ) I received debit card late for me to complete the XXXX debit card transactions. Some transactions got delayed posting on the account. 
2 ) I called the customer service XX/XX/2021, inquiring about {$400.00} bonus. I was told that it is for the branch discretion if they would honor the {$400.00} as i have delayed posting to the account. 
3 ) I was charged $ XXXX monthly fee for XXXX month. Upon calling the customer service i was informed that i should have minimum $ XXXX to avoid fees. I deposited funds through XXXX to be above {$500.00}. 
4 ) I was again charged $ XXXX monthly fee for XXXX month. Upon calling the branch, i was told that the minimum requirement for the account is {$1500.00} or payroll direct deposit. This was never communicated to me in the promotional offer letter ( enclosed ) 5 ) I was told the branch representative will call to address my concern. I did not receive any calls from Regions Bank. 
6 ) At this point, i wanted to close my account. I was informed that it will cost me {$25.00} to close account, if the account is less than 6 months from date of opening. This was never disclosed on the promotional card enclosed for reference. 

Regions Bank is operating a SCAM scheme of duping innocent borrowers with bonus offers and false advertisement.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I made a discovery of a Bankruptcy case in XXXX Tennessee District Court of XXXX Tennessee that I had was exploited with a company name XXXX XXXX : Co Founder & CEO XXXX XXXX and Co Founder & CMO XXXX XXXX. I filed a bankruptcy case in XX/XX/2017 with a law firm in XXXX Tennessee : XXXX XXXX XXXX XXXX : filing Attorney XXXX XXXX XXXX. I never given any individual or Attorney the consent or permission to submitted and display and of my case private information publicly on the world wide international website through the above listed company. I an requesting a through and complete investigation on the individual whom submitted and posted the information and would like to follow through with a civil law suit in the matter of private personal information exploitation : This action committed personal and business slander to my financial worth and ability to function with livelihood and personal self employment business.
Consumer complaint received 2019-09-10
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: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-29
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: World Acceptance Corporation (TX)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: PNC Bank N.A. (OH)

Social security benefits of XXXX and PNC is stilling and holding my money. I have spoken to PNC Bank about it and I'm closing the account PNC is to refuse my social security check and deposits this account is hear by closed
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Requested that LVNN Funding provide contract with my authentic signature that started this alleged debt. LVNV Funding only provided computer screen print-out and monthly bill statements which are unacceptable.

LNVV Funding conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

LNNV Funding has continued violating the law through intimidation, deception, and illegal debt collection.

LVNV Funding are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Key Management Company of Missouri, LLC. (MO)

I have a loan from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The manager there has continued to call me and my friends and family, even ones she has never been authorized to after being repeatedly told by myself and them to stop, she has even called from different numbers when blocked and calling my work place multiple times after also being asked more than politely many times to cease any and all contact and that I would like to deal with another branch or corporate to deal with payments on my XX/XX/2018 loan. She has made it into some personal vendetta as if the money came from her personally and not the company she works for. I am 8 months pregnant and it is causing me a severe amount of stress and calls are often early or late and it is hard enough to sleep anymore as is. I have even considered filing harassment charges on the manager herself at the local police. I do not know what else to do she is fixated, I switched jobs from working at a XXXX  where she was never supposed to be able to call through to me while on post for safety reasons but still did, to a XXXX XXXX  and she was calling my new work place before I said to anyone or anywhere publicly I was working there. I had been there just a couple days. It is very frightening how she got that information I have no idea. It is unprofessional and vindictive.
Consumer complaint received 2018-11-29
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. (OH)

I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (OH)

It didnt give me the option on here for what the actual issue is. 

I asked TrueAccord to help me set up a payment plan without autopay.

Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (DC)

There was inquires from American Express TRS on XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/2017 and I authorized this myself! Tried reaching out but got no help
Consumer complaint received 2018-11-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC (OR)

Quicken loans Inc. served me with a complaint for declaratory releif and judical forclosure of deed of trust. It is for a house my x-husband purchased after the divorce. It says i must appear or the other side will win. I have only a few days left. I am XXXX living on Social Security. Legal aide will not help. It says i am the defendent and i am a judgement lein claimant of record and may claim interest in the subject matter by way of a Domestic Relations Dissolution. Judgement was entered XX/XX/XXXX and  may be found in official records in XXXX County courthouse. i do not have a form or know how to fill it out plus they want me to pay a fee. Any debts from the marriage was in the Dissolution of marriage and my x-husband XXXX XXXX was court ordered to pay.The divorce was XX/XX/XXXX. Quicken loans will not talk to me because i am not on the deed. I was served with all XXXX 's personal business even though we are divorced. Attorney General is just sitting on a claim it has not been assigned to any one they said to fill out the form online so i will get it in on time. I am running out of time.
Consumer complaint received 2019-01-17
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. (FL)

I rented an apartment on XXXX XXXX XXXX XXXX ( name of complex and name shown on my credit report ) in XXXX XXXX  on XX/XX/XXXX for a period of one year. In the lease agreement there was a clause saying if I get transfer to another job far  from that location I could leave my contract early, which it happen. I communicate the management that I received an offer to move to XXXX which I did in XX/XX/XXXX so I would be vacating the apartment in the end of XX/XX/XXXX. They told me that I was responsible for the remaining of the month in contract for that unit until someone else rents the apartment, I also had one month deposit on that contract. I left the apartment clean and perfect conditions, and I had friends and neighbors checking the unit if someone had move in, which it did within less than 30 days. So the month deposit I had given before moving in to the apartment should cover the month the unit was empty and getting ready for a new tenant. The rent was around {$1000.00} per month in the contract, and in the worse case scenario, I would had default in around {$5000.00}, but they rented the unit rightway due to the high demand on the area, but the management company put on my credit a debt of over {$11000.00}. I disputed and never received nothing from the credit bureau or the furnisher other then a letter telling me that the collection meets FCRA requirements. Everything it is in the contract, which they have a copy but I lost my when I moved to XXXX. The Fair Resolution. They should remove the collection from my credit as they rented the unit within the time of less than a month and so they could keep my deposit. or in the worse case scenario asked me for one other month of rent, which I offered several times to them when they called me.
Consumer complaint received 2018-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX has been non-compliant with removing the unverified account BK OF AMER which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that BK OF AMER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-29
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. (OH)

I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
Consumer complaint received 2018-11-29
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. (OH)

I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (DC)

There was inquires from Key bank NA on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I have been informed by this company to contact XXXX and TransUnion regarding this issue XXXX There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account is also reporting as a collection on my XXXX report, so the same account is reporting twice. The name of the collection company is XXXX XXXX XXXX and the collection amount is {$3200.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.
Consumer complaint received 2022-07-14
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. (FL)

XXXX, XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX, Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (DC)

There was inquires from Discover Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (MA)

The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again. 
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income. 




I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired. 
This is second hand stealing from the US Treasury isn't it? 
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount. 
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX  not fully capable of managing their account.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

Netspend charged me too many fees .they refused to dispute a transaction fraudulently made in another state. Then they closed out my account and told me they sent a check that I never received after almost 2 yrs. They also informed me that they sent a check to an address that doesnt belong to me and told me theres nothing else they can do. These reps are rude, they hang up on u and when I ask to speak to a manager they say they are the manager or no speaking to a manager wont make a difference. This prepaid card Netspend and bank is a disgrace. Even their advertisement is wrong. They over charge fees and they dont secure your money as they should and are not willing to give back when they XXXX up. I just want people to have a heads up about this company because they are a legit scam
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I made final payment to XXXX XXXX XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HAWAIIAN, INC. (HI)

XXXX I started to make payments to a law firm of {$300.00} a month. After a few payments I started getting overdraft fees in big amounts. My money is tight and i made sure I had enough to cover. So I thought it was me. But in the last few months I realized that the bank was putting a hold on my account days before it was due which made me go into overdraft. Ive made a complaint twice with no response. It adds up to a lot of money that put me in a lot of hardships. 
XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$90.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$150.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$60.00} XX/XX/2018 overdraft {$60.00} these are the ones I found and the reason I didnt get overdraft fees some months is because I had extra money at that time! 
overdraft {$120.00} XX/XX/2018 overdraft {$30.00}