davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2022-12-26
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. (FL)

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on one credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my credit score down. It alarmed me because I only have been working with one place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all 3 credit agencies/date/company to show the discrepancy of the reports and fraudulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these credit inquiries as I didnt apply for any of these loan services or financial institutions.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX Amount {$1800.00} Reported : XX/XX/year> Joint account with Ex Wife attempted to settled with the original company and was sold to this current company for more than I owed. 
XXXX XXXX XXXX {$5500.00} Worked out a payment agreement with original creditor due to financial hardship, account was sold to current creditor. 

XXXX XXXX XXXX : XXXX XXXXXXXX XXXX I have no knowledge of this inquiry/unauthorized
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over XXXX
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (FL)

I have been attempting to cancel my extended warranty and gap insurance on my XXXX XXXX that I bought from XXXX XXXX. I bought the car XX/XX/XXXX, and have been attempting to cancel these services since XX/XX/XXXX and have made no progress. I have driven to the dealership multiple times and have been turned away, and have called everyday for the past XXXX days, in addition to several times before this and have been promised an email to cancel the documents that has never been delivered. The phone number I have been calling is ( XXXX ) XXXX. I have been speaking to XXXX and XXXX in the finance department. 
I was trying to cancel my services within the first 30 days to get a full refund, but the dealership did not allow me to do so. I have been unable to cancel these at all, and am frustrated because I do not want to pay for them anymore. 
I financed through Chase Auto Loans and called when trying to cancel my products and informed Chase I did not want these products and wished to cancel. Chase said they could cancel these products. When I followed up with Chase when these products were not cancelled, they informed me that I would have to cancel through the dealership and they could not help me.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I submitted a previous complaint recently regarding a debt collection placed which was erroneously upon my credit report. I noticed it on my XXXX XXXX app. It was from CCS Collections for {$86.00} for a bill from XXXX. CCS replied to my complaint and stated they would investigate it. In their reply, they said they mailed me letters. I told them I never had XXXX, did not owe XXXX, and that I have a common name and that this has happened before. They then sent me a letter to my home wanting payment. The accompanying documentation they sent me was for a XXXX XXXX who lived on XXXX XXXX in XXXX. I've never lived in XXXX. So, on XX/XX/23 I called CCS and they asked if the last XXXX of my SSN was XXXX. It's not. They then asked me if my birthday was such and such and that wasn't my birthday. I've attached a screenshot of my XXXX XXXX app showing the debt collection.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On Wednesday, XX/XX/XXXX, I contacted the Regions Priority Customer Banking line and requested to file a complaint against Regions and their mobile deposit policies. I have both personal and business accounts with Regions. I am rarely allowed to perform a mobile deposit. Regions has daily and month mobile deposit limits, which I understand. What I do not understand is why Regions is counting both my personal and business deposits together into XXXX lump sum, and every time I attempt to make a mobile deposit I am told I have reached my limit. 

I have made XXXX mobile deposit the entire month of XXXX. It was done on XXXX for {$6700.00} in my personal account. I have not been allowed to make a mobile deposit into my business account this month. The month of XXXX I made XXXX business mobile deposits. They were {$2200.00} on XX/XX/XXXX, and XXXX  XXXX on XX/XX/XXXX. There is not a Regions branch in XXXX XXXX. I have to drive sometimes multiple days a week over an hour round trip to just deposit a check. 

I explained to the priority banking representative that if Regions is going to punish me for having multiple accounts by combining both personal and business mobile deposit totals, I should also have a combined limits that represent the total limits of both personal and business accounts together. The priority banking representative told me he was aware of some priority banking customers requesting larger mobile deposit limits and receiving them. I told him that I made that request in the branch with the branch manager. The branch manager told me they submitted the request but was told no. 

I told him that I would also like to add discrimination to my complaint since he informed me that Regions is offering services to certain priority banking customers that they refuse to grant to me. He took down my information and said someone may or may not be in touch with me about my complaint. I asked if he knew who to speak to about getting my limits raised and he said no. I asked if his supervisor knew and he said no. He said all he could do besides take my complaint was to transfer me to the online banking department. I said that would be fine. 

I spoke to someone in the online banking department and explained the problem and complaint to him. He said that there were not different mobile deposit limits. I said well the branch says there is. Your priority banking department says there is, and the priority banking representative had told me he could only give me information that is in his manual, so therefore ; the manual must also state there are different limits. I told him that so far today no one seemed like they cared or was listening to me and perhaps the CFPB would be willing to listen to me. He sarcastically said, " Oh well thank you for banking with Regions '', and then hung up on me. 

My Regions Complaint Reference number is XXXX.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CA)

I purchased a vehicle on/around XX/XX/XXXX after purchasing the vehicle I incurred multiple issues. I took it in for servicing multiple times and some of the issues still exist. After the problem continued I reached out the the dealership and the finance company to return the vehicle back for maintenance issues. The vehicle was returned and sold on/around XX/XX/XXXX. The vehicle was sold from the dealership for over {$14000.00}. On my credit report it shows over {$7000.00} remaining as a unpaid balance which is not accurate.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP (OH)

On XX/XX/XXXX, I visited the XXXX ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, USA, to deposit a refund check received from XXXX XXXX XXXX XXXX. The details of the check are as follows : Check # : XXXX Check date : XX/XX/XXXX Check amount : {$2200.00} The screen suddenly went black after inserting my card and the check into the machine. Since the branch was closed then, I promptly contacted Dollar Bank to report the incident. They assured me a new card would be issued and provided a provisional credit for the deposited amount. 

There was a witness to this incident in the car with me. We are willing to make affidavits regarding the incident. 

The following day, I contacted the branch and was informed they still needed to retrieve the checks from their ATM. Unfortunately, they did not disclose whether this issue was specific to the ATM, stating that the back office/third party handles ATM matters. 

However, this weekend, around XX/XX/XXXX, I discovered that my account balance had plummeted to approximately - {$840.00}. Concerned, I contacted the bank on Monday, XX/XX/XXXX, seeking clarification. XXXX from the bank advised me to place a stop payment on the check and informed me that I am now responsible for any account-related matters since the check was not retrieved from the ATM. 

Throughout my association with this bank, I have never encountered any issues with my deposits. In light of this situation, it would have been appropriate for the bank to notify me promptly if there were any problems with the ATM, such as the check being damaged or stuck inside the machine. 

Regrettably, the resolution process may take XXXX to XXXX days for XXXX XXXX XXXX XXXX to issue another check. Meanwhile, I incur bounced check fees, and my debits and withdrawals face difficulties. 

I request your assistance in investigating this matter to ascertain the cause of the incident and to ensure a fair resolution. Your prompt attention to this issue would be greatly appreciated. 

Thank you.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts to be deleted : XXXXXXXX XXXX XXXX  Credit Cards Inquiry Date : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bay Equity LLC (CT)

We recently purchased our home. Bay Equity is the mortgage holder. Bay Equity apparently sold the loan to XXXX. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXXXXXX XXXX, account number XXXX, as reported by your agency. I have recently obtained my credit reports from TransUnion, XXXX, and XXXX, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : TransUnion : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I have been disputing with Experian as well as the others but mainly Experian. I reported identity theft to them and they are asking me to pay for services to help protect my credit file and lock it, in which I should not have to as a victim of identity theft. They also do not prioerly investigate they will email me days later emails that give the run around instead of doing their jobs. I reported identity theft as well as provided the necessary documents to them. Sometimes they wouldnt even submit the dispute would say its because I have disputed it in the past. Its obviously as reason if Im disputing it again because no proof was provided nor a proper investigation and because im a victim of identity theft this needs to be taken seriously and handled immediately. The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. It has been more than 4 business days and nothing has been blocked only emails sent about it and emails sent about their job in the dispute process as well as everytime I log in Im on a page asking for my credit or debit card information to pay and upgrade credit services.
Consumer complaint received 2023-04-29
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. (FL)

I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame
Consumer complaint received 2023-05-08
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX You are in Direct Violation of The Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX XXXX XXXX, acct number XXXX, dates XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602.A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 16668 : A creditor may not treat a payment on an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-07-27
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. (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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.