davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

XXXX XXXX ACCOUNT # XXXX XXXX CONFIRMATION # XXXX VERIFIED That this account was up to date with no late payments on XX/XX/23 but XXXX, XXXX, are still showing late payments on my credit report. This company is doing predatory lending with no regards as far as the consumer.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (CA)

I started to close my Regions credit and checking accounts in XX/XX/2022. I had several issues with Regions bank ( not documented here ) pertaining to inability to transfer outside bank funds on an Autopay schedule for credit card payments ; I was told by an initial phone representative that this was not possible, and was moving to California and needed to close my checking, primary savings, and credit card accounts seeing as I would no longer be able to easily deposit or move funds to keep these accounts active. To the best of my recollection, I contacted them approximately six times to try to accomplish these : 1 ) Attempted on the phone and was told that I needed to visit a branch to close the checking account. Created a request to close the credit card account and was told it would be processed or I would be contacted 2 ) Visited a branch, where it was confirmed that my initial concerns about Regions bank and its credit card partner were confirmed by the bank manager and I received my funds. 
3 ) Attempted to close credit card with Regions Greenline customer service, as I received another bill 4 ) Attempted to close credit card with Regions Greenline, as I received another bill. Recurring charges accumulated on the card. As I had closed the account, I expected these types of bills to come due from the merchants ( much as if I had canceled a credit card if it was lost or stolen and the number became inactive ), not for Regions to continue operating an account I had asked them to close several times and had been assured would be processed on these phone calls. 
5 and 6 ) Contacted by Regions customer service twice to attempt to collect fees and charges that had accrued due to their incompetence in closing my account. 

In summary Regions bank Customer Service and its local employees in XXXX XXXX, FL made multiple misstatements, false claims, and attempts to collect a debt which it generated under my name due to its own incompetence deserves thorough investigation so that future consumers are not impacted by its problems. I am sad to see Regions bank struggling with these issues as I was a loyal customer for many years and it was my first bank. I simply wanted to amicably close my accounts and am so disappointed to see how poorly this entire process was conducted. I hope the CFPB can review the calls and conversations where available to determine what went wrong.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX & XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-20
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received several emails that an account was opened in my name verify my email, and they updated the email. I emailed bank of america and did not hear back from them, so I tried calling and was put on hold. When I finally reached someone she kept demanding an account number, but I didn't have one since I didn't open an account ( someone else opened it in my name ). I asked for the fraud department and she finally transferred me right back to main line and I didn't want to hold again. I emailed again a week later and did receive a phone call back verifying they received my email and I needed to contact their ID theft department. He supposedly gave me a phone number to the fraud/ ID theft department. However, I have now been on hold for over an hour .... They are not taking this seriously or helping close an account, listed in my name, that was never opened by me. 
How can they even allow accounts to be opened in a person 's name without proof of ID?! 

*This form asks for an account # or billing address. I have no idea what the full account number is or what billing address someone used under my name. They used my email initially, but may have changed that already as well.
Consumer complaint received 2022-09-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Re Truist Bank XXXX XXXX, XXXX On XX/XX/XXXX, I deposited a cashiers check in the amount of {$5000.00} at a Truist Bank branch in XXXX, VA. I asked the teller when the funds would be available to me and she said in a day or two. Two days later, XX/XX/XXXX, I checked my account online and it stated that the {$5000.00} was included in my Available Balance. 

I then paid some bills and withdrew {$1500.00}. Later that day I was shocked to see a Return Deposit Item showing the {$5000.00} had been deducted from my account, leaving a negative balance. I since discovered Truist didn't realize the cashier 's check was counterfeit until after they listed the amount in my Available Balance. That meant I not only lost {$1500.00} but also accrued overdraft fees in the amount of {$100.00} related to bills I had paid. 

My bill paying and cash withdrawal on XX/XX/XXXX, were made in good faith based on the assurances from the teller and Truist 's online banking information ( see attached documents ) that explain the deposit process and available balance. Any customer would have a reasonable expectation that such plain language would be true and accurate and could be relied upon. Well, they would be mistaken, as I was. Simply put, they are neither true nor accurate. In fact, they are unreliable since they are deceptive, dishonest, false, and fraudulent. In other words, lies.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CT)

Phoenix Financial Services has sent me two threatening letters about a medical debt I supposedly incurred in 2015, almost eight years ago. Phoenix has failed to provide the address of the original creditor nor any verifiable evidence, such as an original bill, that the original charge was mine to pay. Further, I have confirmed with my insurance company that if the charge did belong to me, it would have paid the amount in full. However, it has no record that the creditor filed a timely claim, or indeed any claim at all for the supposed charge. 

There is no evidence that the supposed debt is mine. The original creditor was apparently negligent in its failure to produce a timely bill for its services. Now eight years later, Phoenix Financial Services shares in this negligence by failing to provide appropriate and verifiable information about the supposed debt.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I just tried to log in to no avail. I have been trying to login for years! No matter what I try I'm not recognized, even if I change the password, the ID login or any of my information. Just recently, I called Experian on XX/XX/22 @ XXXX and spoke with XXXX XXXX She told me to use a login XXXX! I haven't used this login in over 5 years. She sent me voice mails to my Cellular Phone # : XXXX! And even responded to a code texted to me and entered it. I was on the phone with XXXX for at least 30 minutes. She was not able to help login or create a new password. Nothing I did worked. Experion is extremely complicated and does not provide good customer service. 
Over 2 years ago, my score was XXXX, but unrelated to my complaint, just for explanations, I was subjected to XXXX XXXX and then my score tumbled down to even the XXXX. Only liberal entities like Experian hurt people instead of help customers. 
I've been working extremely hard to rebuild my credit I did not cause to plummeted! Today I was delighted the check my score : My XXXX  Score today is : XXXX! No ones approves me for any financial products unless my score is XXXX minimum! But then XXXX Score today is XXXX. But since I can not get I was able to see my average score at XXXX XXXX and it came up as XXXX! Which means that Experian 's has a great deal of incorrect data about me, but no matter how long I try I am unable to login nor get help from Experian, including today! When I call them, the recording says no one available. Would I be able to sue Experian for causing my score to be very incorrect and leading to a great deal of financial qualifications due to credit score that needs to be corrected with Experian? I've suffered over two years with my destroyed score and after working so hard to fix my score, I can't get Experian 's! Then Experian recommends a credit card to help me credit score. I was approved for a measly {$300.00} limit and a service charge of {$95.00}! Wow! I even called for help but the representative was not able to help me to login!
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC (AZ)

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX  XXXX every day. 
XXXX : XXXX, XXXX, XXXX XXXX XXXX  XXXX They are aware I have a XXXX  XXXX and am XXXX XXXX often. 
They threatened with " The calls will continue until you pay '' They threatened with " We may cut your electricity if you dont pay '' They continue to call 4-8 times a day, every day from different ohone numbers. So far they have used 68 different numbers. 
XXXX XXXX Using every suffix possible. 
I was lied to in order to sign a solar energy scam that was supposed to lower my energy bill but has raised my bill from {$80.00} a month to {$180.00} a month. 
I am XXXX and XXXX XXXX  and they took advantage of me.
Consumer complaint received 2023-07-05
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. (MA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MI)

I qualify for PLSF and have taught for 20 years in public schools. I need someone to advocate. I submitted and student aid gov never responded and put damaging information on my credit. My loans by law should be forgiven.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I Paid USAA XXXX for a credit card payment electronically ( initiated from USAA ) from my XXXX XXXX Checking account. The amount cleared my bank onXX/XX/XXXX2017 and shows it being deposited to my account in USAA Credit card. The Credit Union will not release the funds until XXXX or XX/XX/XXXXto credit my account, because, as the executive problem resolver informed me, " Your funds are being held up by the Federal Reserve ''. They could not give me any formal written policy that says that this is allowed with my Credit Card Agreement. The Federal Reserve informed me that they " do n't hold funds '', and told me to contact this agency.
Consumer complaint received 2024-04-03
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. (IL)

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate. 
Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency. 
Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information. 

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt. 

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting agency123. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge 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 consumer12.