davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (FL)

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX XXXX and Expe

rian to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX 30 late/June OK XXXX 60 late and XX/XX/XXXX 30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Consumer complaint received 2018-07-10
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 (TN)

I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.
Consumer complaint received 2022-10-06
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, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC (TX)

Global lending services has contacted me several times after I told them multiple times to stop calling. They then called my wife and co workers multiple times after they also asked them to stop calling ( multiple times ) last call they made was to my wife on XXXX at XXXX on her phone ( XXXX ) XXXX. I talked to a supervisor and she insisted they wouldnt call anymore but the calls still continue at a harassing rate.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (PA)

I contact XXXX regarding this Debt collection from XXXX XXXX in XXXXXXXX XXXX. The debt was paid in full & also didnt belong to me but is currently still attached to my credit report. I went through every avenue to get this removed. The amount was for {$150.00} dollars & the date it was added to my account was XX/XX/22. I contacted the collection agency & they stated that they removed it but XXXX hasnt complied.
Consumer complaint received 2020-09-22
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. (TX)

On XX/XX/2020 called Equifax to dispute incorrect personal information. Since then several of my accounts have been closed by them and they are still open. On XX/XX/2020 submitted another dispute to correct the info. Only one account is still showing closed when it should be opened.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

We have been trying to get a modification from Rushmore loan servicing and they have constantly been giving us a hard time. We applied several times because we are anxious to start repaying our mortgage. They keep miscalculating our income, or find some other reason that does not make sense. The last time they denied us, one of the reasons is that since I was on unemployment due to Covid closing of my company, they said they cant offer a modification on unemployment income because its temporary. However my company reopened two months ago and Im once again back to my usual income. We reapplied and they denied us and told its our denial is permanent.

HOW CAN THEY TELL US THEY TURNED US DOWN FOR TEMPORARY INCOME, BUT THEN WHEN WE REAPPLIED WITH GUARANTEED IMCOME, ,THEY ARE STILL JERKING US AROUND? DID THEY LIE TO US??? IF THE REASON THEY STATED WAS REMEDIED, THEN WHY NOT GO AHEAD WITH THE REVIEW???

Also, we got Sheriff sale date even though we never received a court date, nor even a copy of a judgement against us. How can this XXXX? Where are our documents we should have gotten to come to court? Where are the judgment documents that we never got? Seems to me this is a case for a judge because too many unanswered questions and irregularities concerning this bank and their lawyers.
Consumer complaint received 2020-09-22
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. (AL)

This is my third affidavit for this company. Why am I being accused of using a credit repair comapnay. I cant afford a credit repair what in the XXXX do yall need from me to prove I am a victim of identity theft and THESE ARE NOT MY ACCOUNTS? at this point, it seems as if yall are working with the buraues to keep my credit score down. INVESTIGATE AND REMOVE THESE ACCOUNTS
Consumer complaint received 2020-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation (MO)

On or about XX/XX/2020 attempted to get a loan from Regional Finance and was never told I was denied they wanted my spouse to also apply in an attempt to get us approved then the lady never called me back as she stated she would and mailed us denial letters over past credit experiences on my report I was told regional was a company who helps fix credit and they market that but yet refused to give us a loan they are new to XXXX and already have no transparency also XXXX  is reporting accounts that are disposed in court and or paid off.
Consumer complaint received 2018-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

It recently occurred to me that the experience I had during the purchase &  subsequent financing of my first vehicle with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MD XXXX may have violated consumer protection standards. 

On XX/XX/2017 I financed my vehicle with XXXX XXXX in XXXX, Maryland. In the final purchase stage, the financing representative overtly threatened to raise my interest rate which she had offered called several times and offered from Toyota Financial Services. She threatened verbally that if I didn't purchase the add on gap insurance for an additional {$20.00} per month to my {$380.00} car payment, that she would raise my rate she previously claimed to have haggled on my behalf. I told her multiple times after multiple attempts to sell me this product that I already possessed this coverage with my auto insurance and that at this time I don't want to add more to my payment nor to I need the coverage. She was adamant- and she accused me of not knowing what I was talking about since she had not heard of a car insurance ( XXXX ) offering such a clause. I pulled the coverage up on my mobile device, read it, and then showed it to her. The exact quote she said to me was " I can easily call Toyota Financial and have them raise the rate back to the higher figure that I just negotiated down for you. '' I almost walked out of the dealer at that very moment but unfortunately I needed the car more than I needed to leave so I stayed and continued to deny the add- on offerings she presented. It was a terrible combination of aggression and condescension masked by a person pretending to help you- she did not like that I knew about the buying process. 

I am choosing to raise the issue now because I still recall how visceral the experience was and I recently chose to learn about this event to see if it was in fact legal. I am hoping your team can investigate to see if this person is still performing such practices and if there should be consequences. It's important to note that while I've worked in sales and other high pressure industries, the predatory approach this financing agent took to my auto loan as a young person may have larger negative implications for other consumers.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.
Consumer complaint received 2020-09-22
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. (FL)

SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XX/XX/2020. Complaints to LVNV Funding and the credit reporting agencies have been ignored.
Consumer complaint received 2015-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (VA)

I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My business suffered greatly due to Covid. My business has been not operating for months now. I called to remove the fees but the agent was only able to refund a few and was unable to refund the entire fees. Please refund the monthly maintenance fee ranging from XX/XX/XXXX to XX/XX/XXXX as I'm financially struggling.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting act.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My credit was pulled by USAA on XX/XX/XXXX and XX/XX/XXXX and it was right off the rise these are hard credit and I would like them removed from my credit report immediately if they are bringing down my credit score
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Dates are to many to document as my account was frozen more times than I can recall with no valid reason why. They do not release checks deposited in a timely manner, and in fact refuse to cash checks from XXXXXXXX XXXX ( business account of employer ). Failure to send replacement debit cards in a timely manner. 

This has been an ongoing issue for the past year or so and I can not seem to get any help from the banks customer service team. In addition, there is a lack of consistency in answers. I become so frustrated I gave up trying but this has caused some major issues with paying bills in a timely manner. 

I am in the process if searching for a new bank
Consumer complaint received 2020-09-22
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)

I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.
Consumer complaint received 2022-10-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.