davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

on XX/XX/XXXX, I physically presented my passport which is already on file with Regions since XXXX. Upon to reporting to the bank, i requested to open a savings account to be attache to my existing checking account. XXXX XXXX, regions banker was provided my US Passport for identification which was immediately refused as she stated she knows me as a long-time customer so no need to take my passport. At that moment, XXXX requested my social security number and have be verified my ATM Pin Number and begin to process to open the savings account which was finalized. Accordingly, {$1700.00} was transferred from the checking to new savings account. 
To date, XXXX XXXX failed to document the details on account which causes several overdraft fees on my checking account due to inability to transfer my funds from the savings account to the checking. I have had several issues with regions bank due to the negligence and poor customer service. I was told I i cant use my account on XX/XX/XXXX and I will continue to assess fees. The other Agent K of Regions told me that a US Passport is not valid to open savings accounts and that my UNEXPIRED Passport is on file is not accepted for avoid fraud or risk and that it does not matter if am a customer since XXXX with the same passport. I am so so stressed which triggers my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am must now alleged that am denied equal opportunity and being treated prejudiced. I will forward my complaint also to the comptroller 's office. 
this history with XXXX XXXX to be doing a poor job is becoming chronic as this is the 2nd time she has failed to do her job effectively and only caused me stress and XXXX
Consumer complaint received 2023-03-09
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. (MS)

On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX and a XXXX XXXX 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have XXXX XXXX XXXX  since XXXX XXXX and I am XXXX XXXX XXXX today, my XXXX  # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from prison.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Consumer complaint received 2023-03-09
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)

Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello my name is XXXX XXXX and this is the second CFPB complaint I have had to file about the same issue that Navy Federal keeps telling me for 3 years has been resolved. I am not wasting my time telling the entire story again- please read the prior complaint I have attached and see two documents. Due to having spoken to numerous reps for the past 3 years and no one seeming to be on the same page, I am corresponding here to make sure this is handled properly. Someone called after the last complaint and assured things would be handled and here we go again a year later. Navy Federal needs a much better system of accountability in their auto titles department instead of sending out threatening letters out of the blue with no context. Use the Navy Federal portal to communicate with members specifically and notes should be in the system so employees can read the backstory so they know how to communicate with members.
Consumer complaint received 2022-06-03
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # 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 a account without my written instructions
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )
Consumer complaint received 2022-06-03
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: BARCLAYS BANK DELAWARE (CA)

Regardless of the multiple written requests, BRCLYSBANKDE account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : BRCLYSBANKDE XXXX
Consumer complaint received 2022-06-03
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. (AZ)

The reporting agency response is that an item has been verified. I reached out to the the Bankruptcy court and they verified that they do not release any information regarding bankruptcy to credit agencies. It is also listed on their website. This is fraudulent behavior on behalf of the credit agencies.because I did not authorize or consent to my information being shared or given. 
I spoke with the AZ court clerk named XXXX and she confirmed they do not release this information to credit agencies. And she walked me to the official site that says the same.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I was on the phone with equifax on the XXXX of XXXX for 3 hours because something in my credit account was incorrect. 3 hours later i came to the conclusion that my date of birth was incorrect. since i turned XXXX i havent seemed to be able to establish credit or get a credit car because someone put in the wrong date of birth
Consumer complaint received 2022-06-03
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX* DPT EDXXXX Account # XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NV)

Last XX/XX/22 I purchased a XXXX gift card at XXXX XXXX Nevada at a local grocery XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada in the amount of {$350.00} as a gift to a local resident in XXXX XXXX, the next day XX/XX/22 my intended recipient states trying to use card but only {$2.00} in funds left since somebody in California used the gift card at XXXX store in the amount of {$340.00}, called XXXX gift card customer service and filed a complaint the same day and they created a dispute case in which now theyre saying final resolution decision result is they are not refunding my money from that unauthorized purchase without further detail explanation. Please help. I will greatly appreciate your assistance on this matter. 

Sincerely, XXXX XXXX XXXX no. XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/22, I believed I was sending payment to XXXX XXXXXXXXXXXX XXXX XXXXXXXX. I sent 9 transactions on Zelle, believing that the recipient was XXXX XXXX XXXX XXXXXXXX. The total of those transactions was {$11000.00}. I believe that due to Regulation E, I should not be liable for this transaction and Zelle should reimburse me for the {$11000.00}.
Consumer complaint received 2023-06-02
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I purchased my home in XX/XX/2022, In XXXX I had to make an emergency repair to my house ( which i do reside in ). This caused me to fall behind. I submitted a work out package to LoanCare with documentation in XXXX to request a modification to add 3 payments to the end of the mortgage, and bring me current. I have been on the phone with Loan representatives at least 50 times, the first 20 or so I was told I was missing documents which I continuously submitted through their website. For the month of XXXX I was told all of my documents had been received and it was being submitted to the next level. A few weeks later the rep and a supervisor told me that my case was closed for missing documents but that it should not have been so they were escalating and manually re-opening the case because it shouldn't have been closed. I was told to wait 30 days for the review. I was un-trusting of what they told me and this being a week later I called today to check the status. I am now being told the case was closed, and NEVER re-opened. 

I want to keep my house. I want to be current and make good on my promise to pay, however I am being told that it is under review/ not under review/ not to make a payment and I am afraid of moving into foreclosure. This is my first purchased home, I live here with my XXXX  children. I am a single mom working two jobs, i just wants a proper review and a little assistance. I don't know where else to turn. I am not due for XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - Account # 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 a account without my written instructions
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX All correspondence between the debt collector, Profit Services Group, and I is attached. 

I have sent the debt collectors, Profit Services Group, a request for validation and their response was : " Reviewed account and complaint. the account has been notated and disputed entered in credit report. '' That is not a validation of debt. 

Please advise Pursuant to the FDCPA, communication is defined as any direct or indirect communication about an alleged debt. The debt collectors, Profit Services Group, continuing to furnish this alleged debt to a consumer report makes them in violation of my rights as they are indirectly communicating with me about this alleged debt. Also, this alleged debt has not been validated by any means which also constitutes as fraud. 

This is the last notice. If you fail to comply with the following, as a consumer I follow up with whatever action necessary. 

As a consumer I demand that you provide and do the following actions : Provide documentary evidence that validates that this alleged debt is mine ; Provide documentary evidence that legally grants your company permission to collect on this alleged debt ; Delete this account from my credit file as the reporting of any alleged debt that has not been validated is fraud.
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. (NJ)

XXXX  and equifax has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX XXXX send me a email stating that it was verified and the item remains unchanged fr4om there processing of XXXX XXXX dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with XXXX. Its been over 30 days and i have yet to receive a responds from equifax
Consumer complaint received 2023-03-09
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)

Experian has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Experian reports serious delinquent payments with company XXXX on my credit report, which is inaccurate & inconsistent. I have tried numerous of times to resolve this matter with Experian to no avail. Experian is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Experian must remove ALL inaccurate, inconsistent, negative remarks showing late payments with the XXXX company, from my credit report, immediately.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (OH)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed them XXXX on a previous address I did not live in since XX/XX/XXXX of XXXX. I paid all my bills once we left and never was aware of an unpaid bill until I received an alert on XXXX XXXX. I then received the letter. I responded to the letter and mentioned why did they report it to my credit reports then send out a letter and not let me take of it after I researched if I owed it or not and if I owed it I would pay it. They reported me without giving me noticed or 30 days to resolve it. After speaking with them the next day I called to resolve as I could not find anything that far back that I paid it so I told them if they send a letter stating they would delete from all 3 credit bureaus I would pay it. They agreed and sent me the letter then I paid it on the XXXX of XX/XX/XXXX. I have attached proof. I have tried to dispute but they came back Verified and not changes????? But, if they did they would see the letter I sent from them and payment? Please remove from all credit reports. 

Thank you!