davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: REGIONS FINANCIAL CORPORATION (WI)

On XX/XX/2022, I submitted my initial complaint with the XXXX against Regions, XXXX, stating that I had been trying to set up autopay through my Regions online banking ( OLB ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of Regions. Therefore, I know how to set up autopay through OLB because I helped hundreds and possibly thousands of people setup their autopay through OLB. However, Regions did not believe that there was an issue on their part. 

On XX/XX/2022, I submitted another complaint against Regions through the XXXX, XXXX, addressing that I logged into my OLB with Regions to make a 1 time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time Regions admitted that there was a problem with their system. Around the same time I noticed that Regions added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous 2 complaints.

Now, I am submitting a 3rd complaint against Regions about the matter of their system not functioning properly. This as no shock to me as a former employee of Regions. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against Regions. They notoriously bully and make it difficult for consumers to have any type of financial justice when Regions is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at Region s would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and act of god to make to Regions correct their mistakes and own their responsibility for the wrongs that they have committed.
Consumer complaint received 2022-10-27
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 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 n 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-17
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. (TX)

Both Equifax and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
Equifax, XXXX, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item XXXX The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
Equifax, XXXX, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item tXXXX The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With equifax is was XX/XX/23 last month and today its XX/XX/23. The XXXX attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I deposited my check via mobile app. A state of California issued check. I received approximately half and the other half was placed on hold. My funds were held or scheduled to be held til XX/XX/2020 the deposit was made on XX/XX/2020. I called USAA and asked why my funds were not in compliance with RegCC  expedited funds availability act. I told them that the hold was incorrectly placed because the check was a State Draft and should be handled differently. The executive complaint resolution persons told me that I agreed to waive Reg CC by using the Mobile App to deposit my check. How can I waive the obligation of an institution to comply with federal regulations? This seems illegal.
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (MI)

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX o # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXX, XXXX XXXX and the purchase price was {$580000.00}. I am notifying XXXX XXXX of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in XXXX XXXX or anywhere outside of XXXX with XXXX XXXX XXXX, XXXX or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. XXXX XXXX, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at ( XXXX ) XXXX or email ; XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXXXXXX XXXX. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.
Consumer complaint received 2022-10-27
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. (FL)

I, XXXX XXXX, sent a letter to TransUnion but TransUnion says that " it didnt appear '' that I sent the letter and that they wont process my request. 

This is a common stall tactic as they said the very same on a XX/XX/2022 mailing in response to a different matter.
Consumer complaint received 2022-10-13
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. (CT)

Transunion is not allowing me to lift the freeze on my credit reporting. They asked for a security pin they claim was emailed which I did not receive. Will not even entertain my phone calls because they claim they need to get the security pin they sent that I never received.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Saturday, XX/XX/2024 Dear XXXX & Equifax Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete themL ( 1 ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( 2 ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I applied to this company to lease an apartment with them during the Pandemic. I was not allowed due to XXXX restrictions, to see the unit. I paid the application and move cost online and picked up the keys at a mailbox. My first day moving in, I found the apartment was infested with roaches, dust and spider webs. I sent pictures to management and advised that I would not be moving in. 
Most of my application fees and deposits were returned, less rougly {$150.00}. After two months, I received this bill from the apartment complex, stating I owed {$97.00}. I spoke with the manager, and was told not to worry about it ; this was over three years ago. Now this has appeared on my credit report.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stellar Recovery, Inc. (IN)

Stellar Recovery contacted me through a public e-mail address that is not only used by myself. Their company logo is at the top of the e-mail, the e-mail does not state that it is from a debt collector. There is not a confidential information disclosure in the e-mail. The 3rd party followed the instructions and opened the letter that was attached to the e-mail, ( password was in the body of the email for opening ) and they saw that I owed a debt. I never provided Stellar Recovery with my e-mail address or gave them permission to contact me through e-mail. If they were able to find my e-mail address, then they should have been able to find my telephone # or home address. However, i have not been contacted by phone or through regular mail about this debt.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2024 I opened a dispute with Capital One XXXX Credit Card dispute over an issue I was having with XXXX. XXXX explained to the Capital One dispute specialist that I had evidence of the company not following their established complaint dispute resolution process and ghost lighting me then closing the case with no action claiming I was not responding when the email chain showed I had been responding. The Capital One representative refused to take my documentation I had to together and instead told be to hold the information until phase two if needed. Tight now will just dispute the transaction in general and if the company rejects the dispute then to supply Capital One with the documentation. 

On XX/XX/2024 Capital One informed me that XXXX had rejected my dispute and the charges were going back into my account and I could take this to the next level and provide documentation to the company. 

On XX/XX/2024 I contacted Capital One and opened that second level dispute and was provided the secure link to send my supporting documents, which I did right away. XXXX XX/XX/XXXX, XXXX Capital Once told me they will be closing my dispute due to not providing them the documents they wanted.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My parents home was burglarized and a checkbook was stolen. From the checkbook there were a total of XXXX fraudulent checks written for a sum of {$15000.00}. Within a few days I was reimbursed {$4600.00}. The remaining {$11000.00} was investigated by the banks check fraud department. Ultimately my fraud claim was denied, the bank deemed the signatures to not be forged. I provided all documents including a police case number for the burglary. At this point I do not know what to do to further pursue recovery of the {$11000.00}. The bank in question is Bank of America.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text message stating a bank of America edd card was needing my information to activate this card to transfer in my account. 
It sent a link to fill personal info. 
I called bank of America and they said it was a scam.
Consumer complaint received 2023-09-27
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. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-16
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAS BEEN PROVIDED TO ME, THE CONSUMER. 
NONE OF THE PROPER CONSENTS ( SIGNED BY ME ) TO FURNISH THIS INFORMATION HAVE BEEN PROVIDED TO ME XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within reporting these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NJ)

Phoenix Financial Services is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. Phoenix account number is XXXX. This is the same item that I disputed and filed a complaint in XXXX XXXX Re : XXXX Complaint # XXXX ... XXXX XXXX XXXX. I sent an email to Phoenix Financial on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
Consumer complaint received 2022-10-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XX/XX/2022 and again on XX/XX/2022 I sent letters regarding inaccurate or unknown information on my credit reports to this day over XXXX days plus later I have not received response yet. I at this point feel I am being taken advantage of and ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. my information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Consumer complaint received 2022-10-13
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. (FL)

To whom it may concern, looking at my XXXX and Transunion, it shows some derogatory accounts that do not belong to me. 
XXXX XXXX XXXX THE AMOUNT {$970.00} THIS WAS POSTED ON MY ACCOUNT XX/XX/XXXX XXXX XXXX XXXX WITH THE AMOUNT {$2200.00}. THIS WAS POSTED ON MY ACCOUNT AS OF XX/XX/XXXX 2021
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im having difficulty contacting XXXX. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried XXXX upload but it just times out every single time i try. I refuse to contact Transunion by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.