davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (AL)

I am writing to formally dispute the bankruptcy proceedings currently underway in my name, which I believe have been conducted in violation of the Fair Credit Reporting Act ( FCRA ) Section 15 US 1681E. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters so they can help me get to the bottom of this inaccurate reporting on my consumer profile.

1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


- 15 US 1681E - Compliance Procedures I am deeply concerned about the accuracy and legitimacy of the bankruptcy proceedings in my case. It has come to my attention that the procedures followed may not be in compliance with the aforementioned federal statutes. As a result, I insist on a thorough investigation into the matter to rectify any potential errors or misconduct.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

Obviously this BANKRUPTCY does not conform to the FCRA REGULATIONS by reporting a court name that reflects different variations. Please investigate and delete from my report. 

I request the following actions be taken : 1. Verification of Compliance : I demand a comprehensive review of the bankruptcy proceedings to ensure compliance with 15 US 1681E. This includes a meticulous examination of all documents, notices, and communications related to my bankruptcy case.

2. Expedited Investigation : Given the urgency and potential impact on my financial standing, I kindly request an expedited investigation into this matter. Swift resolution is crucial to preventing any further damage to my credit and financial well-being. 

In addition to disputing the bankruptcy proceedings, I am concurrently filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the involved parties for potential violations of consumer protection laws. 

I am confident that a thorough investigation will reveal any discrepancies and rectify the situation promptly.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MO)

The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees. 

I was charged six XXXX  overdraft fees for one transaction that put my account in the negative.

Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX  fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX  XXXX  XXXX  that caused my account to be overdrawn.

Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints. 

My account is over dra

wn XXXX  in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX  XXXX  XXXX  on XX/XX/21 causing the acc
ount to be negative XXXX.

At the time of the XXXX  the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient. 

I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient. 

Please help. I can not afford these fees and I do not owe the additional five fees.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

PayPal - negative {$2300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back inXX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust experian credit reporting company to comply and follow what XXXX XXXX  is telling them to do. I have had major problems with experian in fixing my credit report to show correctly.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX I filed a dispute with my credit union for 3 transfers made thru XXXX XXXX in XXXX & XXXX. The client I was transferring funds to committed fraud against me in which I reached out to my bank to handle the dispute and provided all documentation. The bank failed to properly investigate and just denied my dispute XX/XX/XXXX because it was a XXXX XXXX issue. After informing them that XXXX XXXX deals with disputes thru financial institutions only and that I was successful with my other dispute made thru another bank for this same client, they still gave me a hard time and brushed me off didnt look thru my documentation that was submitted or anything. I think its unfair being a member for over 13yrs to just tell me oh well without properly investigating. I had to speak with a supervisor who emailed back office XX/XX/XXXX XXXX to reopen my claim and do a thorough investigation. I should not have to call my financial institution and inform them on how to properly investigate.
Consumer complaint received 2017-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

I would Like to file a complaint on XXXX XXXX XXXX at Onemainfinancial company This person or compnay is constance harassing me. They call me as much as 5 to 10 times in one day to collect Payment that IS NOT EVEN 30 DAYS PASSED DUE I made a payment on Friday XXXX to this  company On Saturday XX/XX/XXXX there was a letter in the US MAIL from XXXX XXXX XXXX thanking me for my payment also enclosed in his letter was a message saying your payment is still past due. Just to be clear with XXXX My payments are due on the XXXX of each Month so Therefore you should have not sent out a message like that. Per the FCRA i HAVE 30 days to pay the balance before you can even think about reporting a late On my credit report. I was well In the 30 days deadline. ( I noticed in your letter dated on XX/XX/XXXX You states XX/XX/XXXX That is dead wrong per my contract my payments are due the XXXX of each Month. and I have until The XXXX Of the next before you can report any lates to either of the reporting agencies.. This company have called My Phone so many times in one day That I had to contact My phone carrier to block there Number from calling. Now I 'm getting letters each day from this company. I ask them to please stop contacting me via Phone or US mail or else I will take legal action and File a lawsuit. This is unreal Onemain will get your money stop with the Phone calls and mailing.
Consumer complaint received 2021-09-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation (MI)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to Federal Law Title 15 USC 1666a a creditor shall not directly threaten to report any person adversely on the obliges credit. After receiving notice BRIDGECREST has failed to follow procedures pursuant to FEDERAL LAW Title 15 USC 1666a ( a ) and 15 USC 1666a ( b ) ( i ) after receiving WRITTEN notice the creditor shall not later than 30 days after receipt of notice ( XXXX XXXX XXXX via certified mail and signature for proof. ) send a written acknowledgment and make appropriate corrections in the account. Upon notice which was signed for included an Affidavit of Truth aswell as a Cease and Desist and a Bill of Particulars. BRIDGECREST has failed to comply with the cease and desist order by continuously contacting me. Which all contacts have not been in compliance with Federal Law Title 15 USC 1666a ( a ) ( b ) ( i ) or 1666a ( b ) ( ii ). Instead BRIDGECREST has violated me as a FEDERALLY protected consumer by ignoring my cease and desist order aswell as threatening to take adverse action against any and all amounts in dispute pursuant to federal law.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For the past year I have asked this company to validate that this debt and the only information they have been able to provide me with is what appears to be unpaid bills. 

This company is reporting to the ( 3 ) Credit Bureau 's : XXXX, XXXX, and XXXX that I owe {$780.00}. This has been a highly negative impact on my personal credit report. Please understand this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed and validation is requested.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (HI)

WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Hunter Warfield Inc at XXXX XXXX XXXX XXXX XXXX fl XXXX  has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/2018 I received a letter from experian credit reporting agency stating they will not re-investigate an account for me that does not belong on my credit report. I had XXXX re-investigate this account for me and after the investigation it was removed off my report. I am uploading a copy of the letter I received today along with the account that does not belong on there. I do not have a copy of the police report. I requested a foil report with the police department awhile ago and was told it was not on record anymore. Experian should not be denying me to re-investigate this account for me. There are fraudulent charges on this account.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (NY)

To whom it may concern, I am being hit with a hard inquiry from XXXX XXXX for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Williams, Rush & Associates, LLC (LA)

Never received orignal contract with my original signature stating I ow the account. Never received a debit validation letter they put the account on my XXXX  account and messed up my credit score needs to be removed immediately
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I applied for a card some time ago, I was approved however never received a card nor did i receive any bills. As such there should be no way that I would receive a negative ding on my credit reports if I never got, used or even activated said card. I need this to be resolved. I now want nothing to do with this company at all, I want the negatives to be removed immediately.
Consumer complaint received 2018-02-21
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. (MD)

XXXX XXXX recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. XXXX XXXX was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - TransUnion and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with XXXX XXXX regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue XXXX XXXX and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how XXXX XXXX was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IN)

I sent two certified letters to this collection agency. I sent an initial request after receiving a phone call that violated FDCPA by disclosing a debt to a third party. I requested the validation of the debt on XX/XX/XXXX as this account has been disputed for identity theft. I sent a second certified letter to this collection agency XX/XX/XXXX disputing the validity of the debt as the documentation received as validation did not include any evidence that this debt is mine. I also further filed a report with the FCC in regards to the identity theft and abusive and illegal collection practices this agency has taken which has caused me great financial harm. I am now filing a complaint with the CFPB, FDCPA, FCRA, and the XXXX   in regards to this claim. I have done my part as a consumer to notify this agency that this debt is invalid and I am requesting immediate rectification or I will seek damages via an attorney.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

The cost is {$310.00} to XXXX XXXX XXXX. The credit bureau handling my case is constantly calling my employer, even contacted other departments I do not work in. Threatening other employees and stating they have tried to call me multiple times. They even asked to speak to my supervisor.