davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: I.C. System, Inc. (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

On the afternoon of Friday, XX/XX/XXXX, I tried to transfer money out of my Regions checking account. The online transfer system would not let me make a transfer. I called the online help center, and they told me there was a hold on my account. I asked why, and they said there were no notes on why there would be a hold. They told me to go into a Regions bank to resolve the issue. It was late on a Friday afternoon. I had to leave work early to go into a bank, as I did not have access to my funds. 

I went into the bank located at XXXX XXXX XXXX, XXXX, TN XXXX on Friday afternoon and met with XXXX XXXX XXXX XXXX. She said she normally worked at another branch but was at the Regions XXXX Branch for the day. She said that she did not know why my funds were locked. She said that the online banking team should have put in a ticket to resolve the issue, but they had not. She put in a ticket. She gave me the business card of the bank manager and told me to contact her the next week. 

I attempted to contact XXXX XXXX, the branch manager repeatedly on XX/XX/XXXX and XX/XX/XXXX. I left many messages. Each time I called, I wad told that she was unavailable, at lunch, or at another branch. No one else at the branch would help me. I called online banking again, and they said they did not know why I had a hold on my funds. I called the branch again, and they said that due to internet issues, their phones were not working correctly enough for anyone to help me. 

The whole situation feels like the bank is giving me the runaround. No one will give me a straight answer. Every bank staff member just says they have no clue why my funds were unavailable. The bank staff member who may know will not return phone calls within a reasonable time frame. In general, if I have {$900.00} in my account, I should be able to use it. I want to know why there was a hold on my account so that I can avoid the situation in the future. 

Additionally, Regions did not notify me in any way that there was a hold on my account. Had I not discovered the issue Friday afternoon, I would not have been able to go into a bank branch immediately, but would have been surprised at some point over the weekend not knowing the issue, and unable to pay for goods and services. If a customer has a hold on their account, they should be notified of it immediately.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  account # XXXX I never received my debt validation letter I requested and in 15 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TN)

My lender is ed financial. I submitted an application for work loan consolidation and the IDR repayment plan that was put in on back in XXXX and the company has been reviewing it since like XX/XX/XXXX. I have called numerous times and have been you know given the same journal response XXXX times will call you back. They have never called me back the one time I have been able to get a hold of them. Theyve told me that it has been in process by Ed financial since XX/XX/XXXX and that they told me it would be done by XXXX when the new student plans would be done. every time Ive called its just the same general weight response. I can not get any information out. I need to know what I need to do for the student loans and this company has just been a absolute shit show of customer service and how things are managed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-08-24
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. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$1000.00}. Please correct this immediately. 

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XXXX Balance {>= $1,000,000} and XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX  XXXX XXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy federal credit union closed my account due to me getting my identity stolen they went through my account when I reported to them they confirmed with me that a device I didnt even own was logged into my online banking my email phone number and personal information was also changed and I give them all the correct information that was mine they then told me not to worry that they will open my a new account ( I did say I would pay the negative balance from the past account because I believe I should have been more observant in my transactions history ) two days after the account was opened I called to ask a question and find out they had closed my account
Consumer complaint received 2022-09-29
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. (SC)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; Medical XXXX Balance : {$73.00}.
Consumer complaint received 2022-08-24
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. (NC)

I am a natural person. I am a living human being. I have rights under 15 U.S.C. 1681. 

EQUIFAX is governed by 15 U.S.C. 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquiries : Name : XXXX XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX - XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Processing Services, LLC (CO)

XX/XX/ {$380.00} Called relatives about a pending legal matter with a case number and that I needed to call back immediately. 
They called me and left a message. 3 different numbers, one private number. 
They know where I live, and work and will be filing charges against me within 24-48 hours. The caller also stated that they demand a face-to-face interaction, will go to my place of employment ( on VM which is saved ) and will talk to my supervisor, and will visit my home. 
If I paid {$380.00}, they would consider the debt a " charge off. '' Even if I had a debt, it would have occurred in Michigan over 12 years ago. I have lived in Colorado since. Both states ' statute of limitations of 6 years has been met. 
I called 2 of the numbers. Same office, same questions & answers. Both asked for my SSN and DOB. I refused to give either. Said they couldn't release information without those numbers.
Consumer complaint received 2022-09-28
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. (IL)

Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive XXXX charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (TX)

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

This is my second time seeking a response from this company. The last response made absolutely no sense. The card was issued in XXXX 2022 and the funds were stolen in XX/XX/2022 yet bank claims they mailed a refund check in XX/XX/2022. Unless they invented time travel, they are clearly lying. 

-- -- -- This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : https : //www.myprepaidcenter.com/faq? type=generic " How do I submit a dispute? { Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone. This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.