davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
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. (AL)

I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
Consumer complaint received 2023-03-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA ()

Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX Date opened : XX/XX/2018 Balance : {$0.00}. Please delete.
Consumer complaint received 2021-09-01
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. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (AZ)

Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. 

Thank You.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2022-02-11
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. (TX)

I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX furnished by XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (NY)

I have been contacted many times by National Service Bureau ( I believe it is XXXX ) on XXXX XXXX XXXX. 

- They have called me many times stating that i owe a debt from a medical injury in 2015 that I paid at the hospital at the time of treatment. They refuse to look into this. 
- They have stated that they 've sent me many letters that i have n't received and when asked to send again they have n't sent - They have tried to pressure me into paying this by stating that my debt is incurring interest for every day that i do n't pay them - They have refused to provide more information about their company and if they 're legitimate - They have been unprofessional in their approach ( the person on the phone has used pressuring language and sighed and complained when i 've asked her to tell me more about who they are )
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. 
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. 
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.
Consumer complaint received 2022-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

A verification letter was sent for a auto file that failed to verify anything. This file was deleted by Experian XXXX XXXX. Which by law it was supposed to be deleted. Today XXXX XXXX, Experian reopened the file and in less than an hour put it right back on my file without showing any proof of verification. That clearly goes against the fair credit reporting act and this item should be deleted immediately, and permanently.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (MD)

My wife and I applied for an auto loan at the dealership and with our credit union. The loan was finalized with the dealer using XXXX XXXX XXXX, but there are three hard credit inquiries listed on the credit report. Given the loan inquiries are supposed to be grouped when taking an auto loan, how do I resolve this so there aren't so many inquiries listed on our credit reports?
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AAA Collections (SD)

I have made several attempts to contact AAA collections to work out payments with them. She told me she could n't set up a wage assignment with me unless I paid XXXX biweekly, I explained to her that I have a XXXX husband and XXXX small children and could only afford XXXX bi-weekly. She said she would send out the wage assignment. I called her a week and a half later, and told her I still have n't received her paper work. She said she was not going to send it until she put a judgement on me. I do n't understand how that is necessary when I have made attempts to make payments. Back a few months ago an agent had contacted me and I told her I was unable to make payments at the time but I will get back to them. I called back and left a voicemail and no call back. Then they sent me a letter saying that after several failed attempts to contact me, if I do n't contact them they will be forced to file a judgement. I called them and finally got someone. She then told me if I do n't want the judgement on my record that I have to pay the balance in full or give them my debit card number, when I refused and told her I would just talk to my lawyer she all the sudden was willing to work with me. I still have not seen the wage assignments and she has failed to call me back again.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (AZ)

EXPERIAN continues to violate my as a federally protected consumer. This is my second complaint about this matter. I was denied for XXXX credit cards I applied for because EXPERIAN furnished accounts with high credit utilization on my credit report without my written instruction to do so. Pursuant to the FCRA, 15 USC 1681, credit reporting agencies ASSUME the role of reporting. Their assumption has caused me to XXXX denials of my own credit further causing me much mental, emotional and financial distress.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AR)

My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: EZCORP, INC. (NV)

I keep getting a call on my work phone from XXXX, which when I try to answer it, due to their robo-calling, it will not pick up. It just keeps ringing. I have spoken with them ( EZ Loan ) and have asked them to quit calling my work number. Yet, every day, they continue to call from this auto-dialer. They have my cell phone number, and have NO reason to call my work repeatedly with a phone number that can not even be answered from our lines. 
It 's bad enough when they call my cell phone every morning between XXXX and XXXX.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes? 

I have sent several letters informing XXXX, XXXX and Experian regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper utilization of such information in accordance with the requirements of this subchapter. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.