davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.
Consumer complaint received 2020-11-30
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. (IL)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-12-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (WA)

My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX  with the amount. It has been over 90days since my first request for proof of debt.
Consumer complaint received 2021-01-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I requested a forbearance on/around XX/XX/XXXX due to the impact on my employment incident to COVID-19. On XXXX XX/XX/XXXX, I recorded my phone call with a supervisor of PennyMac, my lender, refusing to assist me with forbearance-related questions because I would not provide answers to additional questions. My understanding of the CARES Act is that I only need to attest that I am experiencing a hardship due to COVID-19. I relayed this to the supervisor, but she stated the lender required additional information. I threatened to take legal action and report PennyMac 's violation, but this did not deter PennyMac 's behavior. The supervisor made it clear that the forbearance was optional.
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC (CA)

i established the unsecured loan in XX/XX/2019 and had been making on time payments each month even with the covid out brake i began to look closer at the account because i noticed the principal balance was not moving none at all i even made some double up payments to the creditor i did get a couple extensions in the covid maybe 3 total along with applying for a loan modification because the principal wasn't becoming lower i went on line a couple months ago to see that my interest was 35 % online on the payment portal and for public records it was 9 % on credit karma and 24 % on another visual site so i continued to send them information that was requested which i have proof of that was to be for the approval for the loan modification well i finally read up on the whats happening and they qualify for the term predatory lenders the rules are that the interest on any account can not go past 10-15 % on top of the principal 35 % is trying to financially depress the customer and is a violation of law i have proof of every payment i made with them and totalling i should be 1/2 done with out the last 90 days and with i would be 52 % complete, if you where to check my credit right now the amount is still over XXXX dollars like i've never made one payment and its only been 3 payments since the last one i stopped because of covid and EDD couldn't keep up with issuing everyone 's benefits so they would be like 3-4 months behind i would sit here with no money and they where not willing to process my modification for lower interest so i'm going to begin the legal process to have this loan removed from my name or rocketloans can put my payments at 9 % interest like it says on public record and re allocate the proper amounts and remove those 3or 4 unlawful late remarks off my credit due to the fact that the federal government said while covid is happening creditors where not allowed to put bad marks on consumers credit yet they did it anyway so i need federal help resolving this dispute please help bccaise out here in california they are trying really hard to ruin me and my name and my credit and what ever else they can get there little hands on and that speaks for the community
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX , XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX , XXXX is a collection agency representing XXXX XXXX XXXX Mobility in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this XXXX have caused you. Thank you, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-01
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXX XXXX XXXX I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

to whom this may concern but XXXX XXXX is prohibiting me from. full utilization of my credit leverage, also false late payments stated have decreased my credit score, the XXXX XXXX XXXX  vehicle loan is incorrect. currently stats the loan is for the personal owner is " XXXX XXXX ". upon purchasing the vehicle loan we stated this would be for a commercial vehicle " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please fix this issue asap thank you
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I wrote Experian, XXXX & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to Experian, XXXX & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). Experian, XXXX & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX called my Dad and told him my account balance, payment history, ect. We do not share accounts and they did not have my permission to divulge this information.
Consumer complaint received 2020-11-30
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: CNG FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX  add a hard inquiry on my credit report per XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
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: JPMORGAN CHASE & CO. (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-04-26
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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-19
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. (KS)

On XXXX I sent out a detailed dispute letter to Transunion certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts currently listed on my credit report. It has come to my attention that there are several accounts inaccurately reported under my name, which I strongly suspect to be the result of identity theft or fraudulent activity. XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

This is against Direct Express. They are not crediting me back refunds that companies have put through for me. I am owed nearly XXXX dollars between 4 transactions. They need to allow refunds to post to the card. I have the id numbers of the transactions I'm speaking of. I want my money back. 
Auth code for XXXX cancelled purchase XXXX XXXX Auth code for conditioner. At XXXX I returned XXXX XXXX Transaction id for XXXX it designs shirt XXXX And XXXX who just put through for a credit to my account on Friday XX/XX/2020. For XXXX. They have tried twice and it is never credited to my card I'm sure I can get the XXXX auth code if needed. This is all the proof I have repeatedly been calling to give them. Everytime I'm hung up on. Other times I'm on hold for an hour and then call ends. I never get a person
Consumer complaint received 2020-06-02
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. (NY)

I contact Trans Union on XX/XX/2020 to dispute an account which i don't recognized on my credit report, Trans Union told me they will do so, I got a letter on XX/XX/2020 file number : XXXX that this account is deleted, but when i checked with Trans Union on XX/XX/2020 the representative : ( Name : XXXX XXXX ) told me that she is not sure why its still reporting this account, because based on their information the results should be deleted, and she can't understand why its still reporting, and representative was also not sure which XXXX XXXX account i'm referring and first told me a different account was deleted, when i advised her that she is not referring to the right account she told me she is not sure what happened her.
Consumer complaint received 2020-07-04
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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (UT)

I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX  XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX/XXXX  XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have several fraudulent transactions on both my personal and business accounts with Bank of America. 

I got a text alert saying that there was unusual activity on my debit card. I then went to grab my wallet which I realized was missing. 

I immediately called Bank of America to report the issue. I find it weird that I got a text notification about my personal account but not for my business account. I hope they can fix this, that text notification allowed me to contact my bank and get the card cancelled immediately before any further fraudulent transactions took place. 

My only worry at this point is that my bank account is almost drained, I dont know how to run my business or pay my bills with less than {$300.00}! This is a nerve wrecking time for me, I dont want to close my business. Please Help.