davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

opened an account with an expired ID online used account for XXXX XXXX and entered the bank on XXXX with the expired ID withdrew money from my account with no issues entered bank on XXXX to withdraw my rental payment again with the same expired ID and the would not do withdraw so I left they then locked my account without my knowledge I went into my local branch to get the account unlocked the assistant there at the branch put in all my info to their security department and said my money will be accessible on monday the XXXX I left the bank and while driving back to work that same assistant withdrew {$820.00} from my account without my permission and put it in a cashiers check and when I looked at my account online and saw the money was taken out of my account I called her and she said she did it so I could at least pay my rent ARE YOU KIDDING ME RIGHT NOW THEN I WENT IN ON MONDAY TO SPEAK TO BRANCH MANAGER AND HE DID THE SAME THING PUT IN ALL MY INFORMATION TO THE SECURITY DEPARTMENT AND STILL REFUSED TO GIVE ME MY MONEY THE ARE NOW CLOSING MY ACCOUNT ON XX/XX/XXXX AND MAILING MY MONEY I WILL BE HOMELESS BY THEN AND MY KIDS WILL BE TAKEN FROM ME BECAUSE I CANT FEED THEM AND I WILL LOOSE MY JOB FOR XXXX TRANSPORTAION THEN I LOOK ON MY ACCOUNT ON TODAY AND CHARGES ARE MADE TO MY ACCOUNT ON DAYS THAT MY ACCOUNT WAS LOCKED WHO IS USING MY MONEY HELLLLLLOOOOOO HELLLLLPPPPP
Consumer complaint received 2023-08-24
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: Synovus Bank (CA)

Recently I did an investigation on my credit report which caused severe distress upon the discovery that my rights were violated by 1STPROGRESS/XXXX on XX/XX/2021 for the amount of {$160.00} 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 I demand that this be removed from my credit report immediately.
Consumer complaint received 2023-04-01
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

An account was opened with Bank of America in my name. Did not open said account. I called and had the account closed and was given a claim number XXXX. I also filed credit freezes with XXXX, XXXX and XXXX
Consumer complaint received 2021-03-31
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. (GA)

I had a dispute with XXXX regarding a My XXXX XXXX Visa credit card account ending in XXXX. XXXX filed suit against me in the State Court of XXXX County and the case was settled out of court before trial. XXXX agreed to remove this account from my credit report. I submitted a dispute with Experian and the supporting documents from XXXX XXXX attorney of where XXXX agreed to remove the account. I received the results back today and the item remains on my credit report and Experian refuses to remove the account from my credit report even though the creditor agreed to remove the account from my credit report.
Consumer complaint received 2023-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

my home is being unlawfully foreclosed on with fraudulent assignments. This is also a case of dual tracking the mortgage co and i were in conversation about a loan modification. They mail me loan modification package and i submit the complete package instead of working on the modification they sent my loan to XXXX XXXX XXXX FOR FORECLOSURE. THEY WERE SENT A QWR AND THEY HAVE RESPONDED TO MY REQUEST, NOR DID THEY RESPOND TO MY NOTICE OF ERROR OR NOTICE OF DEFAULT WITH THE QWR I ALSO ASKED FOR THE GAP ACCOUNTING AND THEY DIDN'T PROVIDE IT
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION (MI)

Logged into Xoom, typed in amount of money to be sent, logged into my bank XXXX bank account via the Xoom provided login/funds verification. I allowed access to view funds. There is more than enough money for the transaction to be completed however I was given a three day waiting period to verify funds. This seems like a predatory practice designed to force people to use the more expensive option of having money sent via a debit card. Nearly twice the cost. 

Date of initiating transaction XX/XX/2024, predicted available for pick up date XX/XX/2024. I called and was told I was not eligible for a manual expedite because Xoom had not collected funds from a previous {$35.00} transaction from XX/XX/2024. When I inquired how I could rectify this, I was not given an option.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I have be asking for proof of purchase and the to see the validity of this debt, i notified through this platform that i would be receiving a debt validation letter, i have yet to receive anything from this company. Communication has been sparse, and they are completely unprofessional.
Consumer complaint received 2019-10-01
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. (CA)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XX/XX/XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CT)

They did not provide me with initial notifications about the alleged debts and failed to provide me with my federally mandated right to dispute and validate the alleged debt. This debt was added to my credit reports on XX/XX/2023 and I didn't receive notice until XX/XX/2023. They took adverse action against my person and furnished an alleged unvalidated debt on my consumer report, which has caused irreparable damage to my reputation. By their malicious actions they are in violation of the Fair Debt Collections Practices Acts : 15 USC 1692c ( a ) ( 1 ) 15 USC 1692 ( d ) ( 1 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692 ( 11 ) 15 USC 1692g ( 3 ) 15 USC 1692g ( 5 )
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (GA)

Attached is an identity theft report with fraudulent accounts that are reporting to my Experian credit report. Listed below are all fraudulent accounts Experian Fraudulent Accounts XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2019-10-01
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2023-04-07
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX for XXXX XXXX Account name XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 2023-04-07
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. (GA)

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation.

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Consumer complaint received 2023-06-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reached out to each credit bureau several times about the name and addresses listed on my credit report being inaccurate and they have not removed the information from my credit file. with all of the credit breeches and fraud going on I would like this fixed immediately. 


Name And Addresses XXXX XXXX XXXX ( this isn't my legal name that is on my social security card please remove ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) please remove the information that I am listing because I have never lived at the addresses. 

My Correct name and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXX
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
Consumer complaint received 2021-02-10
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. (PA)

Error account or fraud account account was paid XXXX  XXXX Original creditor XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This bill is from motor vehicle accident on XX/XX/XXXX This bill is part of a motor vehicle accident the was paid out by insurance company and if this bill was not paid buy insurance company any unpaid bills was sent to XXXX which is a 3rd party company who collects unpaid bills that my personal insurance or motor vehicle insurance may have not paid out So any unpaid medical bills I owe from this motor vehicle accident was sent to optum to collect payment and when this motor vehicle accident was settled by XXXX  XXXX was included in this and they agreed to take a settlement for unpaid past due bills from this motor vehicle accident to clear any medical debt i received from this motor vehicle accident this debt was part of that and paid off in settlement this account did show up on my Equifax credit report in XX/XX/XXXX settlement was in XX/XX/XXXX XXXX
Consumer complaint received 2023-06-12
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. (IL)

XXXXXXXX XXXX  XXXX XXXX fraudulently conducted a " hard inquiry '' into my credit without my knowledge or consent. I informed Equifax of the fraud and they refused to delete the hard inquiry from my credit report. The two other credit agencies ( XXXX and XXXX ) did delete the inquiry from XXXX after I disputed the inquiry and explained the fraud.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid 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 (MD)

I had a fraudulent withdrawal in XX/XX/XXXX with my credit card with Capital One. I reported the withdrawal as a fraudulent transaction and was temporarily credited the money. The money was taken back after they concluded that it was not a fraudulent transaction. I had guests in my home when the transaction took place and my card was used without my permission or consent. It is still fraud. Even though my PIN number was used, I had all my PIN numbers written on a piece of paper in my wallet. That is how my PIN number was exposed. I am irritated that Capital One refuses to reimburse me for this. They exposed the data in a breach that I am still suffering from. I have had this account since XXXX and been a good customer. I need my money back for the fraud
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lending Club Corp (NY)

On or about XX/XX/19 I sold my car through the service XXXX. As per the agreement they were obligated to submit payoff information to the lender, LENDING CLUB AUTO. After having to demand a payoff letter I submitted it to the buyer, the buyer insisted on having a physical address for overnight delivery and was denied this by the lender. The Lending club corporate office instructed the buyer to send the money to an address which they did. This check arrived via XXXX XXXX and was confirmed delivered and signed for on XX/XX/19. I called constantly to check why the status of the account and why it was late and was given a different story each time. In short nobody could figure out how to allocate the money from what seems like a corporate account to a regional account. After late fees and additional interest kept piling up Finally on XX/XX/19 the account was credited and I received a bill for what is called the outstanding balance. I tried in vane to get a breakdown of what these costs are for and if they are for interest for the 20 days they fumbled the money internally. I can not get a clear answer and do not think I should be liable for what seems like business as usual at lending club which is impeding the ability to pay off loans faster or even on time. the additional cost has been paid as I know it would affect my credit but think the lack of a description or explanation is unacceptable and feel I'm owed a refund.
Consumer complaint received 2023-04-07
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.