davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IN)

Regions Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX : ( a ) refused to accept 3 Series EE United States Saving bonds, despite accepting 6 other ones, stating, " they have small punch holes in them and they can not slide through their machine '' They told me I had to go deal with it on my own ; ( b ) refused to treat the 6 accepted Series EE United States Saving bonds as US currency and instead treated them as a check deposit, not giving immediate access to the US backed currency, and is at this moment, still pending.
Consumer complaint received 2021-02-05
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: CITIBANK, N.A. (CA)

My credit score keeps going down due to accounts I do not have I called XXXX and Home Depot to fix the issue because I never opened accounts with them and it still shows that those accounts are delinquent these delinquent accounts are really affecting my credit
Consumer complaint received 2021-07-31
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. (GA)

I contacted Experian on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person Experian had no written consent from me to furnish this XXXX XXXX account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that Experian remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

On XX/XX/2021 I started receiving emails from Chime. They were saying I have a new account tied to my email and I also started receiving texts. I never signed up for this account. When they texted me saying my debit card was on the way I got concerned. My credit report shows no new activity. I contacted them to close the account. They can not close the account without a picture of the front and back of my ID as well as a picture of me holding the ID. Whoever opened the account was able to do so without such information. I shouldn't have to provide private details that could allow my identity to be stolen in order to close an account that I never opened. They are either allowing scammers to open accounts without any information, or they are opening accounts for people in an attempt to market their product in a very shady way.
Consumer complaint received 2021-07-30
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: Lewis, McDonnell & Associates (CA)

LEWIS MCDONNELL & ASSOCI has an open account for the amount of {$3000.00} dollar 's which is on collections I'm sure I was not the person who opened that account LEWIS MCDONNELL & ASSOCI claims that I got rims and tires from some place I have tried to get them to understand that I didn't open such account to no avail my credit score is being affected by this false/ fraudulent account That needs to be removed and Immediately. Because ofLEWIS MCDONNELL & ASSOCI false/ fraudulent account I'm unable to get a home loan to buy a house for my family
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. 

I have been a victim of identity thief. I have requested certain documents from said company as outlined in the attached document. I have also attached my identity thief report filed with the police from XX/XX/2019. Please remove these enormous inquiries from my credit reports. My FCRA rights are being violated.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear [ Bank of America ], I am writing to dispute several transactions on my recent bank statement. I called your customer service line to initiate a dispute, and after fully verifying my identity, I was informed that I must visit a branch location with two forms of ID or my claim would not be filed and my account would be restricted. 

I would like to bring to your attention that this requirement is in violation of federal law 12 CFR 1005.6 ( b ), which states that a financial institution may not place conditions on the filing of a dispute beyond a written statement of the unauthorized transaction by the consumer. 

As such, I request that this dispute be resolved without the need for an in-person visit to a branch location. I have provided all necessary information over the phone, and I am happy to provide any additional documentation or information required to resolve this dispute.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/2021 Credit Acceptance reported my payment for the month of XXXX as late when I had a billable credit card on file with the company. 

The issue is I was directed to put a card on file for automatic billing and I was advised I " could '' use a credit card not a debit card. 

I followed instructions by placing a credit card on file only to have this form of payment rejected. I was not notified about the rejected payment and or the late payment until after the 30 day period. 

The issue is that I was told by a representative on XX/XX/XXXX that a " credit card '' was a sufficient form of payment and that it could be added to my profile. 

My complaint is I now have a late payment on my credit report which ruined my credit and any chances of purchasing a home I already had under contract. 
I lost the home and the mortgage pre approval and my credit score dropped over 100 points.

i reached out to Credit Acceptance via there dispute process and was denied any validation and or correction of the error and consideration of removing the " Late Payment '' in good faith. 

My payments were current before and after this incident and I have suffered a great loss due to this error on their part.

Credit Acceptance needs to post acceptable forms of payment in their online website payment portal.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-07-30
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: CNG FINANCIAL CORPORATION (WI)

I'm to understand that XXXX XXXX XXXX operates Check N Go. 
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX  Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX XXXX it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (IL)

Hello. I provided a copy of all requested documents. They called my bank to verify my bank statements. However the are still requiring a bank statement. They ask for a bank statement or a voided check. I don't use checks so I sent in a bank statement from my credit union. The credit union only places the account number on the statements and not the actual draft account number or checking account number. Upgrade called the credit union and verified all the information while i was on the phone. After the successful verification of account number, name, birthday, last two deposits upgrade still asked for a bank statement from me after they ended the call with the credit union. This problem started after I uploaded a copy of my drivers license. I believe I am being discriminated against do to my race. They ask for a selfie, drivers license, social security card, bank statement or voided check and the give the option to link your bank account, which i did link. However, they are still requesting a bank statement. I ask to speak with a supervisor and the representative put me on hold for 10 minutes, came back on the line to check to see if i was still holding then put me back on hold for over 30 minutes. He finally came back on saying he was mistaking and was able to submit my application for approval. He asked if i still wanted to speak with a supervisor and I declined. However, I continue to file this compliant because of my bad experience with customer service.
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (MO)

A company called DNF Associates LLC, has started a lawsuit against me for a debt that I have no knowledge of. They have hired an attorney who has started the lawsuit in Missouri and I have no idea what it is for who I owe money to and why I have not had anything sent to me in the mail or been contacted by DNF Associates.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

i recently check my credit report on XX/XX/2021 and notice national credit adjusters had a alleged debt of {$1200.00} that i didn't owe nor had any relations with. this is causing me grief and suffering and credit denial from this inaccurate information.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (KY)

My account got behind due being laid off from work, did call Discover and they agreed to a payment plan which I agreed to, but they omitted the information that my account will be suspended. I have made my all future payments on time, while every month I called to inquire about the suspension, I was told that account is revised on the 5th of every month since XXXX of last year, in which my account is still suspended. Well since then I have paid my balance owed in full in which they received my money and still they will release my account
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

XXXX XXXX initiated XXXX for me to XXXX based on share sale proceeds. This happened on XXXX of XXXX. Bank of New York Mellon is intermediary bank which is meant to send my money to XXXX XXXX. They held my money citing further information about me personally which I provided. They held on to my money for another 2 weeks after than then asked me for more information. This was based on discrimination purely because of my name. They asked if I ever had these weird names, they also asked me if I have to ties to XXXX or XXXX. Im an XXXX citizen working for a US based company. It is discrimination to signal me out preludes because of my name.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX
Consumer complaint received 2024-03-25
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. (FL)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-31
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)

Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.
Consumer complaint received 2021-07-31
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. (GA)

Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.