davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions bank balance of checking on Friday XXXX -- XXXX XXXX XXXX transfer from saving of XXXX into checking Regions ATM withdrawal from checkings of XXXX on XXXX balance in checking account not reflected after withdrawal or after transfer from savings on XXXX not reflected on balance Deposit check of XXXX at regions bank in XXXX ga into savings in the amount of XXXX Balance on Monday XXXX XXXX After deposit of XXXX into savings XXXX XXXX was transferred into checkings and then XXXX was deducted from checkings again XXXX transfer into savings Saturday XXXX is not reflected in checking account I Did not authorize any transactions after check deposit on Monday XXXX Bank will not acknowledge anything that is going on Filed and complained of fraud on checking and savings account to bank branch and police report filed This is second time filing fraud on the same account Authorized user on account can only transfer funds to checkings account can not access savings and is authorized payee of funds dispersed each month from XXXX XXXX will not show transaction history balance or transactions reflected on Saturday XXXX from checking or savings Talked with fraud department and went to bank personally was giving the run around XXXX deposited from check into savings XXXX transferred from savings into checking XXXX withdrawal Saturday XXXX XXXX with drawing on Monday XXXX after unauthorized transfer from savings to checking Checking balance at that time did not have enough funds to withdraw XXXX Transaction XXXX deducted from checkings twice Transaction was done in Saturday XXXX XXXX withdrawal from balance that day Then was taken again on Monday XXXX as if I never went to atm Saturday XXXX Amount dispute XXXX owed from bank for unauthorized transactions
Consumer complaint received 2024-05-24
Product: Credit reporting 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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freeway Funding, Inc. (CA)

My car is financing is thru Freeway Funding XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX In XXXX of 2022, my debit card was not returned by a default ATM machine. My car payment was due XX/XX/XXXX, being my debit card was misplaced I went thru a called XXXX because XXXX would not take a XXXX party payment. XXXX IN TURNED SENT FF THE WRONG ACCOUNT #. XXXX XXXX CALLED STATED THEY SENT THE WRONG ACCOUNT # TO XXXX. I CALLED XXXX AND EXPLAINED MY CONCERNS BECAUSE MY CREDIT SCORE DROPPED A Whooping XXXX POINTS. XXXX SAID WRITE A LETTER EXPLAINING THE ISSUE, I DID AND XXXX STILL WILL NOT CHANGE THIS DOXO MADE MY PAYMENT LATE 2 WEEKS THIS HAS BEEM A HARDSHIP I COULDNT RENT APT XXXX I TRIED TO TALK TO XXXX THEY ARE VERY DISRESPECT OVER THE PHONE. THEY HAVE POOR REVIEWS FROM CONSUMERS DURING COVID. I HAVE NOT MISSED A PAYMENT EVER UNTIL THIS MY CAR IS ALMOST PAID FOR AND NEEDS IT REMOVED.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I made a mobile deposit to USAA. We do not have any local atm 's or banks in our area for USAA. The check is drawn on my father 's account with USAA. The deposit funds have been placed on hold for 10 banking days. I was told that this is due to risk and is at the banks discretion. The funds coming from father 's account will be unavailable to him within in a day or two.

I feel as though not only will the funds clear the fed prior to the end of the hold but they will have secured the funds from my father 's account within a day or two. There is no risk and the hold time is unreasonably long.
Consumer complaint received 2024-05-24
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-24
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. (IL)

CFPB complaint XXXX has been open since XX/XX/year> with Experian, exceeding the XXXX required by FCRA. The company has not responded with proof of account information, however, Experian has not removed the account from my credit report as required by credit reporting guidelines. This is causing undue financial harm to me.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase bank allowed XXXX XXXX XXXX Florida to take {$120.00} from my account. I had purchased something over a year ago and was not satisfied with the purchase. I told Chase it was an unauthorized charge and they placed the money back. I also told them many times to ban this company from doing it again. The company did it again and Chase is refusing to put my funds back. They send me 2 messages one stating they couldn't stop them from doing this and another saying they put a ban on this company from doing it. I have not received my {$120.00} placed back in my account. 

If I don't receive it, although it will be a hassle, I'll take my business elsewhere. Hope you can help. Thank you.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

This is written notification that I am requesting a description of your investigation procedures as is lawfully my right under the Fair Credit Reporting Act 611 ( a ) ( 6 ) B ) ( iii ) by not later than 15 days after receiving a request from the consumer for the description.

I disputed ( 4 ) accounts listed below via XXXX on XX/XX/XXXX. 
1 ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX ) Trade XXXX XXXX XXXX XXXX # XXXX According to Experian Report # XXXX Date Generated- XX/XX/XXXX the 4 accounts listed above were no longer in dispute. Therefore, I am requesting ALL the records that would reveal ALL the procedures that were used to verfy/ update these accounts. I also request the name ( s ) of the persons you spoke to along with their Business Name, addresses and telephone numbers with 15 days in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). IF YOU CAN NOT THIS SPECIFIC INFORMATION, THE ACCOUNTS MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS MANDATED BY FEDERAL LAW.

This is NOT a request for a REINVESTIGATION or RE-VERIFICATION. I am demanding detailed and complete explanation of how the ( 4 ) accounts were verified because this data is my legal right under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.

My dispute was based solely upon FCRA 602 that states I have a right to PRIVACY. Additionally, I disputed because PRIVACY rights are being violated and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Therefore, all the accounts that I disputed shoud be DELETED.

Again, this is NOT a request for any type of REINVESTIGATION or RE-VERIFICATION, I Want all the information that I request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-05-24
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have the Equifax XXXX XXXX app. I have had this for several years and it is a paid subscription. For the past few weeks I have been unable to unlock my credit report. I've called Equifax numerous times to correct this issue to no avail. My issue has been escalated several times and the issue has not been corrected.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I should only have two addresses on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It seems that my credit file has been compromised once again. Upon reviewing my records, I have identified numerous entries that do not correspond to my activities. As I am meticulous about researching such matters, I have discovered that according to Section 605B of the Fair Credit Reporting Act ( FCRA ), you are obligated by law to remove any entries that are determined to be the result of identity theft. The disputed items are not mine. Attached is the necessary FTC Report, which I have learned is required by both parties. Kindly proceed to remove these entries. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (ID)

XXXX XXXX XXXX has continued to send me documentation that does not validate my contract. On XXXX XXXX XXXX XXXX sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or one between myself and XXXX XXXX XXXX, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX XXXX, XXXX Experian : This company reports 2 public records on my credit that do not belong to me XXXX XXXXXXXX THIS Bankruptcy references Numbers # XXXX XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2- XXXX XXXXXXXX Reference Number XXXX XXXX THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX XXXX XXXXXXXX XXXX Name : ID DATA INT THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Collections Agency Name : XXXXXXXX XXXX XXXX XXXXXXXX. 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

3- THIS Bankruptcy references Numbers # XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

4- XXXX XXXXXXXX Reference Number XXXXXXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX XXXX Collections Agency Name : ID DATA INT THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXX 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT.
Consumer complaint received 2023-03-11
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: Resurgent Capital Services L.P. (NJ)

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.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (TN)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.