davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (MS)

I have called Experian to help me with some unauthorized inquiries on my credit file. The inquiries listed below are not mine, I did not authorized. 

XXXX XXXX XXXX XX/XX/2021 XXXX- XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (IL)

For the past few years, I pay my rent every month through the ebill and there has never been an issue. In XXXX, the lady I pay rent told me she never received XXXX, XXXX rent. I knew I sent it and saw it had not cleared, so I had another check sent to her. That overdrew my account twice due to my phone bill. So, I called Commerce bank. They told me that my landlord did cash the check, just late on XX/XX/20. My landlord checked her records and said that she was certain she never received the check. I called the bank again and they argued and finally transferred me to another lady, who compared my landlords signature against the endorsement on the XXXX check. They did not match. Im told it was endorsed by XXXX University. They sent my landlord a document to sign. Since then, i have to constantly contact them to find out what is happening. The last time I spoke with them, the woman told me that they know someone else endorsed the check but that I have to find the person in XXXX University and ask them to return my rent money. The bank has the routing number for the account. They dont have a copy of the check posted to my account and after all this time and repeated promises, I still dont even have a copy of a check for proof. Who would even give me money with nothing anyhow? Not to mention, I have serious side-effects from XXXX treatment and I dont have the strength to chase this down.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX should not be reporting to XXXX  and Transunion a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Consumer complaint received 2023-04-10
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. (NY)

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.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (OR)

I had a bill pay service set up to pay the monthly charge one of my accounts. I closed the account that the service was set up for prior to the last automatic check payment reaching the company in the mail. The company mailed me the check since my account was closed. Once I received the check, I contacted my bank on XX/XX/2019 via their messaging service to have the funds from the check refunded to my account. The company put in a stop payment request on XX/XX/2019. I have been following up almost daily since then to determine the status of the refund. On XX/XX/2019 the bank responded to me letting me know that the refund would reach my account within five business days from the day the check is stopped. It had been seven business since the stop request when I received this answer. I called the bank on XX/XX/2019 and they responded via their messaging service that I would receive the funds " by the end of the week. '' This bank processes their returns at XXXX XXXX, so I checked today, XXXX, XXXX XXXX, to see if the refund had in fact been processed. It was not so I called the bank and was told since the bill pay service is " sunsetting '' that there was no timeline available as to when my refund would be processed.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (AL)

In XX/XX/XXXX I received communication regarding a settlement with the Creditor ( XXXX ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement XXXX is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (OH)

I have taken the company to court and won. I took the documentations to the debt collector and they will not remove the debt from my report. Saying I still owe money and my court documents that are stamped dont mean anything.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

My vehicle was totaled on XX/XX/2019, and my insurance paid {$4100.00} more than what was owed on the vehicle. I was assured by Toyota financial services that I would receive that overage amount. TFS received the payment from my insurance on XX/XX/2019. I have called more than 15 times about the status of this check and so far have received nothing. I spoke to a manager on XX/XX/XXXX and he assured me the check would be sent that day. I never got it in the mail so I called again on XX/XX/XXXX and was told it would be 10 business days. I called another time on XX/XX/XXXX and was told another 10 days. I called today XX/XX/XXXX and was told the account was not closed and the check had not been sent and that it would be sent in 10 business days, So I emailed the manager I originally spoke to and have not gotten a response.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1682 section 602 A States I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OK)

I opened a new savings account and after transferring funds to it, the bank closed my account and refused to tell me why. I have talked to 5 different representatives and all they say is I violated the terms of the client manual. I am told it will take 30-60 days to receive my money back.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX credit cards for dress barn is Robo calling me several times a day, both Robo calls say : Hi, This is XXXX we need to discuss an important business matter regarding your XXXX XXXX account with Capital one. I didnt quote the rest, because Im not positive Im correct. Both calls come from different women named XXXX. One sounds like a young gal, in her 20s. The other sounds like an older woman. I know they are Robo calls because neither voice changes nor does the intonation. Thank you.
Consumer complaint received 2021-12-03
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2020-11-05
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. (TX)

I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included
Consumer complaint received 2018-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.
Consumer complaint received 2021-09-09
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. (GA)

XXXX XXXX OPENED XX/XX/XXXX Collection/ChargeOFF ok XX/XX/XXXX Accounts closed by credit grantor XX/XX/XXXX STILL SHOWING BALANCE DUE DISPUTED AT LEAST 4 TIMES
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TN)

When we had got the vehicle from the car lot they did not tell us that the loan had day to day interest and that we only had to pay the x amount each month. Not only that but car was damaged and we asked them prior before buying if the car had any problems what so ever. They said no and as soon as we start driving it the frontend started having problems and the trans started to go bad so we ask them to fix the problem and did not do so even tho they had the car for almost XXXX weeks and we got it back the same problems were still their. The car lot got into trouble for selling vehicles that weren't inspected by the state and the loan company did not check to see if the car lot was following state laws and having the vehicles inspected.
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (AL)

Ongoing since XX/XX/XXXX to present. Told XXXX I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Consumer complaint received 2020-06-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.
Consumer complaint received 2020-12-13
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: DISCOVER BANK (CA)

On XX/XX/2020 I purchased some long term shelf life food from XXXX. This was done under 2 separate orders. When my products arrived the food packages were busted open. I contacted the seller as I wanted to return and refund my money. This fell well within their return policy. Here is the quote and link We hope that youll absolutely love all of our products. 
You are fully protected by a 100 % money-back satisfaction guarantee. 
Here 's how it works ... 
If for any reason you're dissatisfied at any time during the first 365 days after purchase, simply return the product to the original shipping warehouse and ask for a full refund. You'll get your money back. That's a firm promise and commitment XXXX XXXX XXXX I then contacted them as per the instructions on the shipping invoice. Over 2 weeks go by with no response so I around XX/XX/2020 I disputed both of the transactions with discover card while providing pictures of the damage product and proof of their return policy. I later won the dispute and was told it may be overturned. And since then the ruling in my favor has been going back and fourth. every agent I speak to switches their story. They either tell me I won one and lost the other and vice versa. I was told I won one transaction for XXXX and lost one for XXXX and i will be credited for the XXXX. Then i am told I lost the XXXX dispute and the XXXX is still being reviewed. All the while not a single agent not the website has been able to tell me why or provide any documentation as to why. I am continuing to dispute this transaction because I received and inedible damaged product. The company refuses to assist me and honoring their return policy and Discover refuses to assist me in this case.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (OR)

Opened : XX/XX/2017 ( 5 mos ) Closed : XX/XX/2017 I never knew the card was opened, I applied for it but they didn't tell me that they was going to charge the card I applied for. I thought they charged the card I was using, then they sent the card to the wrong address and I knew nothing about it. I called them when I found out about it and I told them that I didn't authorize the card and that I knew nothing about it. They waved the fees but still charged me. I immediately closed the account.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.