davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.
Consumer complaint received 2023-09-02
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. (NJ)

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form AXXXX 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 2023-09-02
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had opemed an account in XXXX  many years back. It was my first account after having my junior savings account stolen as a minor. 
I mistakingly when i lost my job i looked for another online thats when i was given the offer online to start work. Which came with a check and orders to start work immediatly as the checkn was for my paycheck and for " supplies '' to begin work. 
I regrrtfuly deposited the check and pulled out the initial XXXX which was under what they were expecting me to pull out. At which point they said to send the money threw XXXX XXXX in order to pay for services of another company to clean the property. 
It wasnt. Till a week or so later that i wasnt told anything by bank of america i wasnt even told the check had bounced nothing they never tried to rectafy or even charge me for the negative balance they just compketly closed my account and said they were not offering me services anymore. And this was only after i had contacted them when trying to use my atm card to depsoite cash money from a legitamite sidejob that i had completed that day. 
Since then i have been unable to open an account at all with almost any bank. 
Also XXXX XXXX the company they shared there information which was invalid and incorrect has also caused me massive issues from being abke to access credit bank accounts or/and even from renting. 
As tbank of america stated that i never rectafied my account balcance and that it was closed with a negative balance but that was never the case. As i never recieved any information on the check in question or an explaination of what had happened or that i had a balance owed to me or that i owed to bank of america for the bad check.. 
I have tryed to cleae this up with them. More then one time and they have an account in my name but theree is no way to access such account. 
Ive been dealing with this and XXXX XXXX for years and its done nothing but ruin my life i despise bank of america for this and the fact they lied about everything. I was never charged for the bad check and what ever it was. i lost in more ways then one and got scammmed out of any job money and they never even spoke with me before closing and black balling me with no explaination or willingness to work with me.. 
That is the most. Angering thing is as i would of easily payed back the XXXX dollars from the initial check that was authoriezed to pull from the atm. And i could have continued my banking relationship with them and my life coukd of been so much easier if that was the case or they could of closed my account but without the negative balance that they would later charge or claim they charged me and informed on my credit report yhat i was delinquent of which was nothing farther from the truth.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Lender continues credit reporting monthly after repossession confirmed on XX/XX/XXXX the account is non active for reporting monthly installment fees still being reported after XX/XX/XXXX & XX/XX/XXXX back to back delinquencies as this has not been variable per contract.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (DC)

Paid amount due, one month 's payment, via phone system, on XX/XX/XXXX. Phone system said payment was successfully processed. 

Noticed on XX/XX/XXXX that funds had not been withdrawn from personal bank account. Web chat conversation with loan processor revealed that bank had changed loan account to only accept certified funds. 

Sent certified funds for two months ' payment, from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check was received by processor XX/XX/XXXX. On XX/XX/XXXX, bank reversed funds. 

Phone call with bank on XX/XX/XXXX, they did not supply an image of the check.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-09-02
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. (TX)

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. XXXX XXXX account # 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, has violated my XXXX XXXX 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 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 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These are the inquiries on my Transunion report which i don't authorize these should have to be removed the inquiries are following : 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 XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I found these inaccurate names and addresses in my credit reports. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of names and addresses which do not belong to me : 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 XXXXEQUIFAX : 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 2024-04-17
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-02
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)

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : 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 2023-04-07
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. (WA)

After receiving my credit report it caused me much XXXX to see these inaccurate inquiries that I discovered on my credit report. I disputed this when I sent in a stack of papers over a month ago and these companies have yet to provide verifiable information. It is my right that your agency ensures for it to be removed from my credit report. 







CREDITOR INQUIRIES XXXX. XXXX XXXX XXXX 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
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Consumer ID : XXXX ChexSystems, XXXX XXXX : Consumer XXXX XXXX XXXX XXXX XXXX, MN XXXX I am XXXX to dispute the negative report that was placed on my account by ChexSystems. I was recently informed of a negative item reported by XXXX of XXXX included in the file ChexSystems maintains under my Social Security Number. According to your records, I have found an entry from the XXXX of XXXX listing a suspected fraud activity on XX/XX/2018 that is preventing me from opening a new checking account. I am unaware of ever having a checking account with XXXX of XXXX. However, I believe that this report is inaccurate and unfair. Please validate this information with XXXX of XXXX and provide me with copies of any supporting documentation for this. In absence of such documentation, I ask you to please delete this information from my ChexSystems and send me an updated copy of my report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( sce 15 USC, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC. CEPB d the state of Minnesota Attorney General 's office, should you continue in your non-compliance. 
I understand that ChexSystems is responsible for maintaining the banking records of individuals, and that this information is used by banks to determine whether to approve or deny applications for checking accounts. However, I believe that the information that was reported by ChexSystems is incorrect, and does not accurately reflect my financial history. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims tion against your company. I will be seeking {$5000.00} in damages for the following : Defamation of Character Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act Thank you for your attention to this matter. I look forward to hearing back from you regarding the outcome of the investigation Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

On a regular bases they will hold me payroll check to allow charges to come through over drafting my account just to collect really large overdraft fees, as of today my account overdrawn XXXX, when a payroll deposit would have been made as it it always post on a Wednesday, others at my place of employment received their pay today, I think it's unfair and have have been banking with Regions for 20 years and have paid some thousands of dollars in overdraft fees...
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute certain information on my credit report related to the account with the following details : XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$73000.00} XXXX. XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$700000.00} I want to bring to your attention that the inaccurate reporting stems from the bank 's inability to send me the proper statements. I have communicated this issue with the bank, and they have acknowledged the problem and agreed to correct it. I am requesting that the status of this account be updated to reflect one of the following : " Open/Never Late '' if the account is still active and has never been late.

" Closed/Paid as Agreed '' if the account has been paid in full and was always paid on time. I believe that the current reporting does not accurately reflect my credit history with this creditor.

As per our records and the acknowledgment from the bank, there should be no late payments associated with this account.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX, AND XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OK)

I was charged XXXX  times by a company I do not recognize. XXXX XXXX charged me XXXX times and I never made any purchase with that company. When I search XXXX, I cant find any company matching the name XXXX XXXX. I contacted the card company which is a PayPal Cashback MasterCard and told them there were unrecognized charges on my account. I disputed the charges over the phone with a PayPal agent over a month ago in early XXXX. I was told by the agent that the provisional credit would appear on my account within a week and that I am not liable for the charges since I did not make them. I never received the provisional credit and their agents started calling me harassing me that my account was past due despite the fact their agent told me that I wasnt liable for the charges, so I called back and filed the dispute again. I still have not received a provisional credit and I receive daily phone calls harassing me to make a payment. I have answered the calls several times and talked to the agent to tell them I am not liable for charges I didnt make and that there should be a provisional credit on my account so that they can investigate the dispute I filed and quit harassing me to make payments for charges I didnt make. They still continue to call and harass me instead of investigate the dispute!
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood is holding my tax documents from 2017 over my head and laughing when I try to access them. Robinhood unjustly and unfairly closed my account when one of their now-fired employees named XXXX made XXXX advances on me and I deflected them fearing that it was not professional and that in general he was just an old creep using his power at the company to get me to validate his poorly-made advances. Well now he's fired, but before he was fired, he kicked me off the platform because I didn't give into his poor XXXX advances towards me, something that Robinhood allowed one of their employees to do to a client.