davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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. (GA)

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/21 I reported my Now Card ending in X XXXX stolen and gave it to a Regions bank teller. I gave the card back to the bank because they stole XXXX from my Now Card account ending in XXXX. I then transferred ( {$220.00} ) on that same day back to cover the negative balance. Also prior to the balance being stolen-negative, there were funds ( already ) in the account. The bank teller/She issued me a new card ending in XXXX. I asked her/ The bank teller/ if she could link XXXX statements to my new Now Card ending in XXXX and she said NO. I went to sleep and found they stole the Now Card I had reported stolen and given back to them ending in XXXX and opened it under the pretenses of XXXX, and the employees began swiping more money this time ( {$80.00} ) under ( fake account ) XXXX, which I had no knowledge of nor gave her consent to do and let me remind you she did which she told me could not be done. ( she linked an unknown card to the previous statement ) but a card they used to steal more money without my knowledge or consent. At XXXX XXXX   that same night I received a message from the bank that the Now card ending in XXXX that they now had in their possession, was stolen and linked to one of their employees XXXX XXXX  in which they were using stealing more money. How did the bank email me about a card they reported stolen, suddenly being uploaded to XXXX XXXX  12 hours later??? They stole ( {$220.00} + XXXX + an incoming ACH transfer of {$200.00} ) the SAME day which was never POSTED to my ( main ) account ending in XXXX or balance making it a total of ( {$500.00} ). I want my money back now. Give me my money back XXXX XXXX goes back to my Now Card ending in XXXX account while XXXX goes back to my main account ending in XXXX.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MS)

This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Experian Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of XXXX delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Experian Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of XXXX delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Experian, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (GA)

Resently, I received another letter in reference to an apartment complex I lived in. I went to court because the apartment complex never fixed my ac unit that was out for 3 months. I went to court for dispossessory action against me for this apartment complex and I disclosed to the judge about a clause in the lease. However, I lost because I signed a separate paper created by the apartment to give me concession for the time I did not pay for rent. If I didn't sign the document then I would have be awarded claim. Nevertheless, I moved in XX/XX/2013 because I was assaulted in the apartment complex by 7 people. The apartment was aware because the security officer seen it and came to help. Furthermore, management property that was originally over the property stated to me that because of the lynching incident that I have a right to leave. However, I been receiving tactic letter for settlement. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (VA)

Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld Systems Inc is trying collect service fees for telecheck services fees when I have not issued a check for the the last month or the period they were trying to insist I used their services. I called them but they dont want to give any information unless I give my address. I told them they wrote and sent me a letter to my address so I dont want to give anymore confidential information that are not needed. If they are truly legitimate they should know my address based on the name I gave them. They also provide a QR code on their letter which I believe maybe fraudulent to get more personal information.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Went to XXXX XXXX XXXX for a specific toothache. After my visit they found issues that needed to be taken care of. However their plan would cost more money then I had. I have dental insurance. They said it would not be enough to cover so they had me sign paperwork and sign a form for XXXX XXXX. That got denied. I guess they found XXXX XXXX patient services. I dont recall signing an authorization for this particular institution but notified me that I had been approved for {$5000.00}. I told the dentist that we had to exhaust all other options first. I never received a notice of approval nothing. So I never used this credit line nor did I know how. I explained to the dentist that we would have to treat every appointment separately Because I could not get into debt for XXXX during an epidemic, I was losing my job and I knew I could not afford the payment. So I would pay as I go weather its with insurance or my personal funds. Next thing I know Im getting collection calls. The entire XXXX k was sent to the dentist. How is that even legal. I never received anything regarding this credit line I didnt know what payments were going to be or when they would be due. I talked to the dentist I told them I never said to use that credit line and you guys have not even fixed my original toothache. So I never returned. Now my credit is showing late payments for months the balance is over XXXX with late fees. I was working so hard rebuilding my credit and now they have put me in a even worse spot. I dont know how they can get away with 1. Releasing funds to a dentist who did not have my authorization to use funds. 2. I did not sign paperwork this company. I had no idea of the terms or how to use the credit line. I dont know who XXXX XXXX is I dont even think I have an application with them or signed an authorization for them. They want me to make payments I cant even afford. Ruining my credit. I dont know what more to do.
Consumer complaint received 2017-08-24
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. (NC)

I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from them.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (MD)

An employee of Radius Global Solution called my cellphone in regards to an alleged debt. The employee named XXXX XXXX stated on a recorded line that I owe money to this company and he also stated on this same recorded line that the company called 30 times since XX/XX/2021. Stating that I owe money and the repetitive calls ( harassment ) are both violations of 15 USC 1692.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PAID IN FULL, INC. (AZ)

XXXX XXXX XXXX had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXXXXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!
Consumer complaint received 2021-09-03
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. (FL)

I am enclosing 2 letters I wrote them about the issue which is explained. 
they have done nothing to resolve this at all. Is this the way they handle complaints??
Consumer complaint received 2017-06-19
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. (CA)

My dispute is in reference to a collection account that has been placed on my  XXXX , Equifax and  XXXX  credit bureau reports.     The account I am disputing is  XXXX   XXXX , a collection account for {$700.00}. ( The original creditor is noted as  XXXX   XXXX   XXXX . ) I have no record of opening any credit card account with  XXXX   XXXX    XXXX  , and am disputing this account as inaccurate/not my responsibility.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (GA)

I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

on XX/XX/2021, i sent equifax and XXXX  a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I open the an Bank of America Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, bank of America States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and MBNA. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank got a check from me a  XXXX  person {$26.00},  XXXX  from social sercurity, they took over {$800.00} for a deposit which is illegal, my attorney   XXXX   XXXX   is the witness  XXXX   XXXX   XXXX  regions owe me big time it is against the law to take funds from a  XXXX  person
Consumer complaint received 2021-04-30
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)

On XX/XX/XXXX I advised Experian and XXXX that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, XXXX only in XXXX all my life Account Type Collection Department / Agency / Attorney with Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX  and placed on my on XX/XX/2020, I requested that Experian and XXXX provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in XXXX all my life
Consumer complaint received 2017-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A. (FL)

PNC  bank has charged me a late fee on several occasions when I am making my payment on time. I was charged a late fee but my payment was not late even after the bank sent the payment on time. I have had the worst customer service from this bank. I was told I would be sent a passcode to access my account online. I receive the code and it never worked! I am so upset about this. I have not been able to view my account online! I have never seen a more complicated online process. Acct #  XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I need for Experian to delete the following accounts for inaccuracy because the date last active is inaccurate : XXXX Acct # XXXX, Experian has XX/XX/XXXX, XXXX has nothing account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX, XXXX has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX XXXX XXXX account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Acct # XXXX, Experian has XXXX. XXXX, XXXX, XXXX does not have this account on my credit report, XXXX has No Info. XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account is not on credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX- Acct XXXX XXXX. XXXX, XXXX. Please mail me a corrected credit report.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I transferred him money through XXXX. I used BOA, he used Bank of America. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes. So after a hour so I waited he never responds I was buying a cellphone XXXX I just would like my money refund onto my card
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (PA)

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau (NM)

I sent a debt validation request to TAB services requesting information to validate debt for account XXXX listed by TAB services. In return, they sent a letter back on XX/XX/22. In this letter, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. As such, I would need them to delete all information of this balance from their collection agency, remove debt listed on all 3 major credit bureaus, and cease all contact for the above noted accounts.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

All three credit reporting bureaus allowed XXXX XXXX XXXX to access my credit report unknowingly and without my consent, for the purpose of collecting on a debt that was for the corporate account and clearly not a personal debt nor personal obligation. To this day it has damage my credit and my ability to obtain new financing. I believe this is a scare tactic and their way of threatening me to get me to pay! Either way the client that he represents never completed the job, so theres no need for the attorney to do all that. He can simply have his contactor come back complete the job and get paid in full! It was absolutely no reason to put this on my credit report and start making hard inquiries on my credit report and damaging my personal credit report all for this! Theres clearly more professional way to handle business matters and this was a business matter once again not a personal matter!
Consumer complaint received 2021-09-03
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: ALLY FINANCIAL INC. (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Ally Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Ally Bank violated federal law. see 15 USC 1681b A2. I did not give Ally BankWritten instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

My loan from boa was sold to pennymac c around  XXXX  of  XXXX .  Yesterday   XXXX   XXXX   XXXX  I asked for a copy of payments for life of the loan. Pennymac said they would have to ask boa for the records when they owned loan. I thought all records are to forwarded to new loan owner when they acquire ownership? I was in foreclosure with boa but it got paid. Now I see pennymac has all the fees and costs on my account with pennymac.  XXXX  took me to court notpennymac