davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

On or about XXXX XXXX XXXX 2019 I used my debit card for a purchase and was denied. After investigating I found there were several hundred dollars of charges made to my debit card through my XXXX  account, they are linked. I spoke with a CSR at XXXX and her supervisor and was told they would not reimburse me the money because it appeared that the charges came from my phone. I have NEVER purchased in game apps before but was told that this was why. I then called my bank, Regions Bank and filed a dispute. On XXXX  XX/XX/XXXX, I received a letter from Regions essentially saying the same thing XXXX did. They said that since it was through XXXX I should have filed a police report saying that my card was lost or stolen, even though I always had it with me. I have also never filed a dispute before. Now ( because of returned check charges I am almost XXXX XXXX dollars in the negative. I am a single grandmother raising XXXX small grandchildren alone. Next week when my paycheck is direct deposited it will all be gone as the bank said it is my responsibility to bring the account positive. When this happens my entire check will be gone and we will have no money for food or gas for my work. Yesterday I visited the branch and came out incoloble after being told again, that they could not do anything else for me. I do not understand how this can be ok or legal..
Consumer complaint received 2023-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (NY)

credence obtained my information through XXXX  they are trying to collect on there behalf and I gave them no authority to do so they've already contacted me several times attached below are the reports from FTC.gov and a letter they sent me claiming to be representing XXXX.
Consumer complaint received 2021-11-22
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. (IA)

Reference to the prior dispute that you do not handle according to the XXXX  guidelines. Experian will dispute the inquires listed in my credit file that do not belong to be. After this is done. You WILL provide with the name and contact information for any source that you used to verify the inaccurate information on the credit file. You better follow correct XXXX guidelines, next step is the attorney general. Want to be sued like XXXX XXXX and XXXX. Violate my rights again. You have been warned. 

following inquires are on my credit report are not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I lost my mobile phone and number back in XXXX, XXXX, and since that time haven't been able to login and access my accounts at Pentagon Federal Credit Union. 
Suffice it to say that I have done everything I could to remedy the situation, but I can not say the same for PenFed. 
I recently decided to close my accounts there and once again have the same issue with PenFed. They insist on me providing them a copy of a phone bill/utility bill, in addition to my driver 's license and SScard. 
Is not a driver 's license and SScard enough for identity and address validation?? 
They should know I'm 100 % VA XXXX compensated since I was having my VA checks direct deposited there! 
I have other accounts at other banks and have been able to login and access my accounts at other banks. 
PenFed is the only one that has caused me to no longer wish to be a member of their credit union, period! 
I have several emails confirming this if necessary, even from the XXXX 's office.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (PA)

Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of XXXX XXXX  XXXX XXXX and Santander. I had really tried to get this removed and to no avail. Please report this company
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXXXXXX XXXX Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX  XXXX XXXX Account Number XXXX XXXX This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-22
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. (GA)

Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the 3 bureaus XXXX, EQUIFAX AND XXXX, please help as this is affecting me significantly.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I made a purchase with XXXX  XXXX using Shop through Chase on XX/XX/19 on my Freedom Card for {$150.00}. The Chase Ultimate Rewards site stated that I would receive an additional 6 points per dollar spent shopping through that site. I clicked through the site and was transferred to the XXXX  XXXX   site, where I proceeded with the purchase. I followed all stated rules on the Ultimate Rewards site - continued in the same browser window, didn't use any outside coupon/promo codes, etc. When I hadn't seen the activity show up in my Ultimate Rewards account, I reached out to Chase to inquire about it and they told me that I was not eligible for the bonus points because I didn't shop through their portal, when I did and followed all posted rules completely. This is unfair and deceptive that I wasn't given the points promised if I followed the rules and shopped through their portal.
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account XXXX Account : Unknown Name Account number : XXXX 15 U.S. code 1681 section 602.A indicates, I have a right to privacy. 

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX  XXXX XXXX I was a victim of cyber fraud and my XXXX, checking and savings accounts were totally depleted. I have filed a fraud report with my banking institution, Bank of America, my local police and the Federal Trade Commission. I had approximately {$1600.00} in my checking account and approximately {$1000.00} in my XXXX and XXXX accounts and around {$300.00} in savings
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Upstart Holdings, Inc. (TX)

XXXX XXXX of 2023 I got emails and text messages saying I got approved for {$10000.00}, {$8000.00}, {$5000.00} etc they even send XXXX I signed i literally put my whole personal information from ssn, bank account and router number address everything. After that I got 30 plus emails saying my email and my information was found on the DARK WEBSITE, DEEP WEB I have a screenshot of the docusign its not that clear it shows my name on it shows a number to call I call someone will answer and hangs up Its to companies one name XXXX XXXX XXXX and the other one called the XXXX XXXX, and upstart loans I honestly think its the same people. They got my information when ever they run bank account numbers and routing number they say the dont do business with XXXX  XXXX they black listed thats when I know its to late my personal information is out there XXXX XXXX XXXXXXXX one I ask how do you know that I have XXXX  XXXX they hang up in my part locked my credit and freeze it as well I still dont know what else to do.

Heres 2 of the emails address XXXX ( XXXX ) XXXX & & XXXX XXXX Upstart XXXX ( XXXX ) XXXX Everyone of these sent documents agreements to on XXXX All ask for personal information from ssn bank account and routing numbers.

The 3 companies said I can go up the loan store and pay fee through cash app, XXXX, XXXX, gift card, etc. thats the fact after I sent the company ( s ) all my information.
Consumer complaint received 2023-06-13
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. (TX)

I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Consumer complaint received 2023-06-13
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has opened fraudulent checking accounts in my name at least XXXX times over the past 14 months, despite my placing a security freeze through XXXX and freezing my credit through the three major credit reporting agencies. I have contacted BOA every time they open an account in my name and although it gets closed, the same thing happens all over again within a few months or even days. 

XX/XX/XXXX Received email that Bank of America opened a checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received letter from Bank of America in response to my reporting fraud requiring me to fax them the following information to prove that I did NOT open the # XXXX checking account : copy of my drivers license, copy of my Social Security card, copy of police reports, copies of documents received for the account in question, etc. I faxed them seven pages of documentation from XXXX of their branches to prove that I DIDNT open the account. Its clear that nothing near this level of documentation was required for anyone actually opened an account in my name. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received confirmation from XXXX that per my request a security freeze was placed on my consumer file. I had also reported this to the XXXX major credit bureaus. 

XX/XX/XXXX Received letter from Bank of America notifying me that the # XXXX account was being closed because they could not verify my identity. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following student loan accounts still appear on my Transunion credit report despise being over a decade old. They are not appearing on either of the other two credit bureaus. They must be removed immediately. The accounts in question are listed as follows : XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$3000.00} XXXX Opened XX/XX/XXXX Highest Balance {$2000.00} XXXX Opened XX/XX/XXXX Highest Balance {$3500.00} XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$1000.00} XXXX XXXX Opened XX/XX/XXXX Highest Balance {$3500.00}
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (CA)

This company just called me at work XX/XX/XXXX about a " debt '' from XXXX saying. A very rude guy told me if I dont pay them {$460.00} they will be sending someone out to sue me. I asked him several times to lose his aggressive tone or I will be hanging up. When I asked him for some sort of verification of the debt he said they are not able to supply that to me without submitting a judgement against me. I told them that if that is what they need to do then go ahead. I will be doing my own research about this so called debt. He then said he will send me something if I make a payment arrangement first. I said ummm no I am not giving you any money without a verification. i said I will call the credit company myself and get to the bottom of this. He was very rude and aggressive and said that they no longer have the case and will not know what I am talking about and it is pointless to even call them. I need to settle and speak with them only. I said I would like to hear it from them and see what happens. If you need to send me to court in the mean time than I understand but I am not handing over any money until then. I then asked him to stop calling me work and gave him my cell. They then insisted to speak to my boss and said Im tired of arguing with you so let me talk to your boss so they can find out when I get paid and how much I make! I told them he was not in and unless they have a court order to deduct wages it is pointless to speak to him and if they call me again at work I will file a harassment complaint. They then said they will contact my boss on his personal cell. I said do what you got to do and then I hung up.