davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (PA)

I opened a new checking account online through Laurel Road a subsidiary of Key Bank on XXXX XX/XX/XXXX and received a confirmation email that the account opening was approved. I changed the direct posit instructions at my employer to send a portion of my paycheck to this newly established account at Laurel Road ( {$1200.00} ). Later that week I added an external account for my primary checking account at XXXX XXXX XXXX I subsequently received a confirmation that the extremal account I added via online authentication to my like titled account at XXXX XXXX XXXX was properly linked and ready for transfers on XX/XX/XXXX. On the same day, XX/XX/XXXX, I initiated a transfer for {$1200.00} to move my direct deposit back to my primary checking account at XXXX XXXX to cover my mortgage payment. Today, XX/XX/XXXX ; I received a letter from Key Bank dated XX/XX/XXXX referencing my account at Laurel Road ending in XXXX and that it has been closed. I called the number provided in the letter XXXX and Key Bank informed me that despite sending me a letter regarding this account they can not speak to me and have no access to Laurel Road systems. I sent a direct deposit from my company XXXXXXXX XXXX  for {$1200.00} to the Laurel Road account in question. My online access to Lauren Road Bank has been restricted and I can not sign in. I've worked in the financial services industry for 25 years and never seen anything quite like this. It appears Key Bank/Laurel Road has unilaterally closed my account and seized my money.I spoke with a supervisor at Key Bank this evening at XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) who was unable to provide any information as to why the account was closed, what account was exactly closed, and where my money was.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, XXXX alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ).

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2.

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that Experian, XXXX, and XXXX have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several thousand dollars for this breach.

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX  Credit Card Accounts # XXXX XXXX Balance -- - XXXX XXXX XXXX -- - XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

on XX/XX/XXXX i had {$550.00} taken from my credit builder bank account with Chime by XXXX XXXX XXXX, this only resulted because a Chime employee wrongfully informed me about a month ago that i could not block merchants from my account so i would just need to turn off my credit builder card. i have XXXX accounts, my regular checking account and my credit builder account. money from my checking account will go into my credit builder. When i noticed this money had not only been taken from my account unauthorized it was transferred from my checking to savings when i had the button to do so turned off and my card turned off as well. somehow i have no idea those buttons were turned on and i know for a fact i did not do so or authorize so. i called the company and the lady on the phone told me that the information i had been given is wrong. and i could've blocked the merchant. anyway i file the dispute with the lady on the phone and she advises me to delete my credit builder account as well. i told her i want to given i no longer feel safe that a bank employee is giving me wrong information. i then ask her if doing so will my money be refunded back to me properly and it wont interfere with depositing. she said " no '' i kept calling back chime employees to speak to someone higher up about this issue and nobody offered any help or had any desire to help me in my situation. even had some employees insult me. i have records of phone calls with the employees. 
finally on XX/XX/XXXX the dispute was settled but the money was not deposited back into my checking out. 
i call and again i was informed how another employee screwed up, they told me i should've never deleted my credit builder account because thats where my money would be given back. i told them i was told opposite. 
i would call almost everyday and same thing, wrong information, employees not wanting to help, employees not even knowing what to do. they even kept informing me that my money was already given back to me. finally after my XXXX call or more a lady says she can see i never received my {$550.00} back. she said the company would mail a check and it will be there in 30 days. i said thank you and asked if all the information could be emailed to me. she said they would be emailing me everything by the end of the day. i did not receive anything. i call the next day i was then told by another employee they dont offer emailed information because it is against policy, i ask to speak to someone higher up because i need my money they hung up. i called again and a lady told me to message the help center. i email the email address she gave me and i am responded back with " wrong email '' i call again XXXX at a loss now.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (TX)

On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. 

PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. 

My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. 

Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. 

I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Resource management is attempting to collect a debt for XXXX XXXX XXXX. I am a current customer of XXXX XXXX XXXX with a current, paid, up to date account. This was reported to my credit reports on XX/XX/2023. This debt is not mine!!! I have requested verification to be sent to my current address, and it has not been sent since my request on XX/XX/2023, which leads me to believe it has been sent to an address that is not mine. I am a victim of fraud and it is hurting my credit.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


I have XXXX accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX  Regions Bank ( Credit card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday XX/XX/23 I went to a Bank of America ATM in XXXXXXXX XXXX and attempted to withdrawal {$300.00}. The atm started processing and made a weird noise like it was stuck. The atm screen then clearly stated that an unexpected error occurred and the transaction could it be processed. It stated the transaction was reversed and the funds are immediately back in my account. I then went to their other ATM and attempted to withdrawal the {$300.00} and the atm stated I didnt have enough funds. So I called the same day to file a claim with BofA, they stated they would file the claim and funds would be credited back. I have called everyday since and it is not XX/XX/23 ( Friday ) and my funds are still not in my account. I called BofA again this morning and I was told it will be 10 business days til I get my funds back. First of all I understand if this is the claims process, but the ATM clearly stated that my transaction was reversed and my funds were credited back immediately. So it doesnt abide by the normal claim timeframe. I even told them I needed these funds to purchase XXXX XXXX dinner items for my family, they assured me this was escalated and would be taken care of and it hasnt. I also worked for BofA for XXXX years and know that the ATM can be balanced to prove its over, they can pull the camera footage to show the funds were not given, they can pull the ATM records to show the malfunction and the message that was provided on the screen. I am going to seek legal counsel and pursue it because the message the ATM gave was false. And they are refusing to return funds.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (MO)

In accordance with the fair credit reporting act, Wakefield and Associates acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2023-11-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XXXX of XXXX  I never received my card i never accessed the prepaid card it or any of the benefits deposited to the account. I didn't activate or give permission for anypersons to activate or to authorize to use this prepaid card ever all transactions made with the card concerning this account is FRAUDULENT AND NOT MADE BY ME OR AUTHORIZED BY ME AT ANYTIME
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

I currently had a dispute with current bank and I was told they my dispute was fine till recently when I got an email from them that my dispute was denied and my credit was going to be removed and this was fraud someone used my card without my knowledge and I was told if I send over the police report I should be able to get my funds back and they wouldnt take the money back waking out today and my whole XXXX payment was removed and now they arent even helping me to get this fix when I was told to send over all the documents and you will be fine the dispute credit wont be removed and I was okay with that I want my money and this to be fixed
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to formally dispute an inquiry that appears on my credit report. I have carefully reviewed my credit report and confirmed that this inquiry was not authorized by me. I have not applied for any credit, loan, or service from the creditors listed around the date of the inquiry, nor have I granted permission for any third party to access my credit information on my behalf.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXXXXXX you furnished alleged transaction on my TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). 
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Transunion : XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

This is the third time to report the similar matter. I have decided to report this time to CFPB because persistent emails from this credit report company, called Experian, considers itself has the right to offer the credit card, even though I do not want them. From the beginning, I opted out these kind of offer from any credit company permanently. And this something called Experian should not send such kind of offer because it must have been noticed already much earlier than other companies. Anyway, this called company Experian is supposed to be a mere credit report company. I have difficulty why this credit report company offers the credit card to the client. Therefore, this credit 'report ' company uses its authority, which manage the clients ' or citizens personal information without consent to offer the credit cards for their own benefits without consents of the citizens. All of these, this something called Experian performs illegal action. 

I am sorry I lost my previous reports, which I copied and intended to send repeatedly. Please refer the previous content to those sent to XXXX.