davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (OH)

My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX  XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''. 
This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate. 
The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX  ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX. 
Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my name is XXXX XXXX XXXX I transferred money from a EDD Bank of America account to my XXXX XXXX XXXX XXXX the amount was {$250.00} I must have forgot one of the numbers and it was transferred but not to my account upon realizing that I notify the financial institute right away but they told me that there was some type ofproblem with locating the transfer and i keep getting the run around. They really didnt give me a solution and they just send me a letter stating that they can't help me but it's clear that the money was sent from my account because the funds were deducted. These funds were never replaced nor were they deposit back to my EDD account they pretty much just wellnits lost. I would like to see what happened to the money and get a trace on the electronic transfer simply closer
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (OH)

I transferred {$1000.00} to a blockchain account ; the account was opened because XXXX XXXX  illegally transferred my cryptocurrencies to BLOCKCHAIN ; I HAVE BEEN TRYING TO ACESS MY ACCOUNT WITH BLOCK CHAIN FOR A YEAR? 
BLOCK CHAIN HAD ME FUND MORE MONEY INTO THE ACCOUNT SO i could trade ; INSTEAD OF REPEATED TRYING I AM LOCKED OUT OF MY ACCOUNT AND DO NOT HAVE ANY ACESS TO MY ACCOUNT.

THE MONEY IS NOT TRANSFERED AND NO ONE CAN ANSWER WHERE THE MONEY WENT? 

Blockchain blockchainXXXX [ Blockchain ] Re : ACH transfer of CASH to my account via the XXXX XXXX XXXX ID # XXXX XXXX / Old Mail Support blockchainXXXX  From : XXXX To : XXXX Mon, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please type your reply above this line - XXXX XXXX XXXX XXXX Blockchain ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this email finds you well. We are currently looking into your previously raised support ticket XXXX. Your request requires some further investigation on our side and we will make sure to get back to you as soon as possible. 

Thank you for your patience while we look into this matter. 

Kind Regards,
Consumer complaint received 2022-04-02
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: ALLY FINANCIAL INC. (NC)

I have a hard inquiry on my credit report from Ally FINANCIAL when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX  Account # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act ( XXXX Account # XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES searing me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XXXX that I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XXXX that has resulted in 10 years of AES collecting higher interest rates from me unfairly.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to Experian over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Consumer complaint received 2021-07-11
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)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  recently reported my balance as being over limit and at XXXX dollars. This is not accurate as I made a payment of XXXX dollars before this information was sent. Please correct this information per FCRA guidelines.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I need to report a dispute with a credit bureau. I tried to dispute over the phone and in order to get to an operator you have to go through a verification process. I answered all questions correctly but, their system says I've failed the verification process, which is pure XXXX
Consumer complaint received 2022-10-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (SC)

My charges on my background are not felonies! This is costing a job and XXXX for my kids. Please research before putting something on it. Check the levels they in between a ordinance and a misdemeanor, no where near a felony!!
Consumer complaint received 2021-02-02
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: OneMain Finance Corporation (IL)

Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have a fraudulent inquiry from XXXX XXXX on my Equifax report that appeared on XXXX XXXX. I have contacted the bank and they sent me a letter confirming that the application was fraudulent. I have created a file containing this letter, my driver license, Equifax research request form and a letter with description of the situation ; and faxed it on XXXX XXXX. 
Today, on XXXX XXXX, XXXX, I have called XXXX to follow up on the paperwork and find out if they are working on removing the inquiry. What a horrible treatment I got First representative just put me on hold, and just never got back to me. I have called again and asked to be transferred to the US office. After passing XXXX XXXX security questions and being on hold a couple of times, he finally found my paperwork. Then it has become more interesting My ID ended up being blurry ; the letter from the bank also was not working for him. So, I asked, ok, let me fax you/e-mail you my ID again. Then I asked to explain why the paperwork I have send, doesnt satisfy them. What can I send them? I couldnt squeeze any answer from the representative. I asked to be transferred to supervisor/manager, but he refused! The I start asking him for his name, but I never got the answer! 
Not sure if it will help your investigation, but I was on a call with Equifax representative on XXXX XXXX, XXXX at XXXXXXXX XXXX. 
I am asking for your help as I believe no one should be treated like this. I am hurt! Please dont leave it like this. 

Best Regards
Consumer complaint received 2022-04-27
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. (GA)

To whom this may concern ; My credit information may have fallen into the wrong hands due to the Equifax Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid XXXX when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
Consumer complaint received 2019-08-12
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. (SC)

XXXX XXXX is reporting something on my credit that does NOT belong to me! I applied for a credit card with XXXX XXXX BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a XXXX XXXX credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with Equifax and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at Equifax by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.