davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim. 

I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.
Consumer complaint received 2022-12-04
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: SANTANDER HOLDINGS USA, INC. (LA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, had violated my rights. 

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-01
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-19
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: Premium Credit Bureau (FL)

On XX/XX/XXXX. Premium CRED inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection.
Consumer complaint received 2021-02-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have lost access to all my money Bank of America has given me the run around and continue to hold my accounts funds and Im unable to claim anything been struggling and trying to figure why BofA says I owe them but there is a open claim for well over XXXX but I owe them?
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-20
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)

On XX/XX/2019, I the dispute process with the XXXX  credit bureau, Equifax and XXXX  regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from Equifax nor XXXX  but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (SC)

American Express Platinum Business Credit Card. I purchased a business in XX/XX/2021 and received a pre-approval for this card. I used the card to purchase items for the business. I did not realize that the entire balance of the card had to be paid in 30 days. I spent $ XXXX on business start up expenses. Obviously I thought I could finance this but I was wrong. I called American Express and negotiated a $ XXXX payment plan to pay off the balance. I make one {$500.00} payment. Then 15 days later, they turn the debt over to a collector who will not stop calling me. I callled American Express to investigate and they still have yet to investigate ( listening to the call where I set up the payment plan ). They have no record of the payment plan and refuse to work with me. My credit has now dropped over XXXX points incurring real damages to me by the inability for me to finance my business.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXXXXXX XXXX Charge-off {$4200.00} XXXX XXXX  XXXX Charge-off {$5100.00}
Consumer complaint received 2023-01-24
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX ( AUTO ) HAVE NEVER SIGNED UP OR PLACED AN APPLICATION FOR A CAR. 

XXXX  XXXX XXXX XXXX ( finance ) havent applied for a loan ever XXXX ( bank ) not sure what this is but never applied for that as well XXXX XXXX ( Bank ) again never applied for a bank loan or credit in. a while so this is inaccurate. 

ive reached out to each of these companies and they have not fix this problem i need these unauthorized inquiries off my credit report removed and all.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (CA)

XXXX on my address on credit report as XXXX it's incorrect I had the XXXX XXXX XXXX to XXXX and it's incorrect on the disputed results report number XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2023-01-24
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
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: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account 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 instructions.
Consumer complaint received 2023-11-01
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. (FL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block inquiries that not authorized. It appears that my credit with you has been compromised, these inquiries being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Consumer complaint received 2024-02-18
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. (OH)

I recently pulled my Experian Credit Report and there were addresses that I have never lived. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
Alias names I never used XXXX XXXX XXXX, XXXX XXXX. 
Also employment that I have never worked : XXXX, XXXX and XXXX
Consumer complaint received 2023-01-19
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. (PA)

There is an account XXXX XXXX XXXX  with a XXXX  XXXX showing up on my credit report under Experian- I do not bank with this bank, and did not order or request a bank card with this bank, nor have I ever authorized or given permission to anyone else to do so under my name or any of my personal information. 

The account was considered dormant, and then was flagged for 30 days, then 60 days past due and has significantly damaged my XXXX XXXX. This is an incorrect account on my credit report.
Consumer complaint received 2023-11-01
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2023-11-01
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. (NJ)

Im submitting a complaint to you today to inform credit bureaus that the accounts reported below in not authorized. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX