davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

A payment was processed by accident that was going to overdraw the account. I sent messages to the vendor, to the transaction company, and to the bank to prevent the transfer, but all three dragged their feet and, 3 days after I requested the transfer be stopped, my account was charged. I continued correspondence with all three entities to reverse the transaction over the next two weeks, over which time the charges were rejected and then re-submitted 3 more times, all while I was begging for any opportunity to fix the issue. Regions did nothing but blame me as they purposefully allowed this transaction to post over and over until they had extracted more than {$100.00} in overdraft fees, the last of which occurred days after I had confirmed the payment was refunded in my correspondence with both the vendor and the transaction service. We should not incentivize banks to parasitize the working classes.
Consumer complaint received 2021-04-01
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. (TX)

Experian selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/2019 I sold my business. I had a lot of recurring charges on my credit cards so I tried to contact as many as possible to cancel, but I found out a lot of businesses do not make it easy to cancel. So I had Capital One change my credit card number and I went over all the recurring charges with Capital One and told them I did not want those charges on my account anymore. I thought I was done, but I later found out my credit card number was being given to these merchants even after I requested that my card no longer be charged by these merchants. In my view this is consumer fraud by the credit card companies. Merchants are making it very difficult to cancel and the credit card companies are helping in this scam. Why are the credit card companies giving out my number after they were told by me, not to. If a merchant wants my number they should call me and I could then decide if I want them to have my number or not. They are giving out my number after I told them not to have these merchants charge my card. When I contact Capital One and explain the problem, they have a process that is designed to scam their customers. They sound very concerned, but they are part of the scam and want me to jump through more hoops.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (AL)

Good afternoon,           I am filing this complaint on Tower Loan located in XXXX, AL. We financed a couch with them last year and have been making payments on it each month since that time. It will be paid off in a few months. However, when we called to get a copy of the payoff information we were told that we had a few late fees. When my husband asked about the 10 day grace period we were told that it was 10 actual days on not 10 business days, which is fine. However, the attitude from the employee that was given was not appreciated. He was told that he was an adult and would need to balance his accounts and pay his bills like an adult. When he asked about getting a monthly statement for said loan he was told they do not mail statements. I work in an insurance industry where we monitor insurance for financial institutions so I'm very aware of certain compliance aspects. Is it not a requirement to send a statement of some sort when a loan is in place? I just finished a compliance CE course on Friday and I'm pretty sure this topic was covered. When we asked to speak to a manager we kept getting excuses as to why we couldn't speak to someone. I have been online to read reviews and have come across quite a few of the same situations we are having. Can something be done about the malpractice issues? Or possible an audit of some sort? From my search, this financial institution doesn't appear to be regulated by the FDIC. Thank you!
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Home Loan Expert LLC (FL)

XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend XXXX   and will be attend XXXX next year please help me clear this up my. Future depends on
Consumer complaint received 2023-01-09
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-15
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. (GA)

A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter 3 different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I emailed Transunions corporate headquarters about improper and unfair credit reporting and asked them to remove the debt after showing them a summons. 

Transunion proceeded to block me from accessing my account to view my credit info and dispute. They did this the same day I received a response from corporate asking for my social security number. Now Transunion is saying my social security number was being used by someone else which is why I can never use them again! 

I received no notification about this issue and Transunion is refusing to fix this issue. Ive reached out to a law firm in PA who has stated Transunion has started to block consumers and will stop reporting on them when they complain to them or file disputes. This is a common occurrence where they will prevent you from even having credit with them. 

I want my account restored and my credit score updated as I had paid off a debt from XXXX XXXX and they had to request for deletion twice because Transunion isnt updating scores on me since XXXX of XXXX. That deletion was submitted XXXX.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CO)

Cold call from Central Portfolio Control stating I owed a debut for a rental apartment from 5 years ago asked for proof of debut never received, company continues to call weekly for last 2 months with out ever sending proof of debut. I have asked them to stop calling until proof of debut can be provided as this debut was already discharged.
Consumer complaint received 2021-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

In XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) for {$28000.00} with an {$8000.00} down payment leaving a balance of {$20000.00} with first payment XX/XX/XXXX of {$210.00}, an amount that included # XXXX finance charge. At the time of purchase i made an additional payment of {$5000.00} lowering the total loan to {$15000.00}. I originally wanted to pay cash for the car but the Dealer encouraged me to finance as it would help my credit rating. 
The loan was financed by ALLY ( XXXX. BOX XXXX, XXXX, MN XXXX ) When I received the first statement I made an additional payment of {$5000.00} believing it would lower my liability. 
On the contrary, each month since I have received a bill for the same amount, {$210.00} indicating that the {$5000.00} did not lower my liability at all. They accepted the {$5000.00} payment yet continued to deduct the {$70.00} finance charge from that payment. See attached XX/XX/XXXX statement. 
I want my monthly {$70.00} payments to go toward the balance due at this time.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to Experian, XXXX, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MS)

I applied for loan for through credit karma and got a call from a representative claiming that the loan amount I applied for was accepted. And that his name was from XXXX XXXX. And I was approve for the amount of installment loan. And can have it available in the next business day. This sound right because I have used other loan companies and this is the steps that were used. He verified my bank account and rounting number. And then I got a email with a update account notices I tried to discuss with them that I didnt and email with the repayment plain. And he placed me on hold. I started to receive notifications of a claim being on my account. For incorrect amount of A little after that I received a XXXX confirmation transfer for a person I dont know contacted Wells Fargo and explain the problem. That claim was made by me and was not need that was a pass rent payment. And the XXXX transfer is another fraud charge I had to have my account frozen and new open account open but wells Fargo still apply the same transfer to the new account. I everytime I block this company they will make a new number and call and text again.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I was told on XX/XX/2022 that if I were to put $ XXXX on my Chase Credit Card, I would qualify with a promotion with XXXX XXXX. I then went ahead and put $ XXXX on my credit card, only to receive a letter stating I was " miss informed ''. I am not sure how this does not constitute as some kind of fraud. I would never have put $ XXXX on this credit card without a Chase customer service rep telling me I would qualify for the promotion if I did. 

I just think other consumers need to made aware that Chase is promising to honor something if you charge on their credit card, only to tell consumers that they were miss informed. Now they are earning interest on my purchases, they would not have earned other wise. 

I have attached the letter to this email for reference.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MA)

I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (CA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

This account is not my mine. I highly believe this account is associated with my stepmother whom is now deceased. I have disputed the account multiple times but no avail or assistance from the bureaus. PLEASE assist in having this account removed from my credit credit report. I also had another account from this same company that I highly believe was associated with my deceased step mother as well but that account was removed from credit file. Now, I just need this one to be removed as well. 

AFNI, INC Date- XX/XX/2020- I DID NOT OPEN AN ACCOUNT WITH COMPANY IN THAT YEAR Account Type- Collection Department/Agency Amount- {$520.00} Disputed- XX/XX/2020, Results on XX/XX/2020- Updated Disputed- XX/XX/2020, Results on XX/XX/2020- Updated
Consumer complaint received 2021-05-08
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. (IA)

I filed a dispute on XX/XX/21 about inaccurate information in my credit report. I have never done business with the company for the account in collections. I have no paperwork or documents because this isn't my account. I have never been contacted by a collections company either by phone or mail because this is not my debt. It was not brought to my attention until I applied for a home loan. I filed the dispute with Experian about the negative reporting by XXXX XXXX. This either has to be identity theft or the wrong person.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this. 

I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft. 

I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OR)

My mortgage was recently bought by Rocket Mortgage. Since the purchase they have been incessantly reaching out to offer to review my mortgage options with them. I have repeatedly told them I am uninterested in this review at this time and am satisfied with my current mortgage and interest rate. Even with my telling them I am not interested I have been receiving calls and/or texts every day since XX/XX/XXXX offering these services. They have also been contacting the secondary account holder of the mortgage offering the same services.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

This is a dispute from XXXX XXXX against Barclay's for Barclay's refusal to assist in the fraudulent purchases on Ms. XXXX account and Barclay's non-response to Ms. XXXX  request for documentation on the account.Ms. XXXX  has no record of opening an account or being in possession of this account before charges were made by claimed authorized user, XXXX XXXX. She did not make payments towards the account or hold any documents towards the account. Once notified of the accounts existence, she promptly filed a police report and a fraud dispute with Barclay's. This dispute was denied. Ms. XXXX sent a request for documentation on the account on XX/XX/18 requesting any documentation that would show that she was notified of the account, including billing statements, payment records, how the account was opened, etc. It has been over 30 days, and Barclay's has not responded to this request. Creditor's failure to respond to a consumer's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted my letter on XX/XX/2020 today is XX/XX/XXXX and its been 32 days and you have neglected to respond.Per the FCRA you have 30 days to validate the debts or remove these accounts. Please remove these accounts immediately. 
I have included a copy of the letter that I mailed to you certified on XX/XX/2020.
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I have XXXX and need to have my blood tested every six months this is a covered XXXX expense plus I have a supplement from XXXX XXXX that covers what XXXX does not cover the lab XXXX somehow didnt submit the proper information when billing XXXX I subsequently sent them all my information more than once. They then turned it over to a credit reporting bureau collection agency it was about two years after the blood sample was taken. 
I also wrote them to dispute this amount from the Credit collection company and they ignored my dispute.