davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance keeps responding that l am making frivolous complaints against them but fail to address specific concerns raised. Is the note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. Flagship Credit Acceptance is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If Flagship Credit Acceptance is not engaged in securities fraud how were they able to receive the transferred note from Flagship Credit Auto Trust who is the issuer of the note and XXXX XXXX XXXX XXXX is the depositor who pays Flagship Credit Acceptance as the servicer to collect on the allege loan and make contact with its customers. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX XXXX XXXX account numbers. If Flagship Credit Acceptance would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & FINRA involved to track their activities involving securities since what I'm stating is untrue. If you reply back that I am incorrect again this is exactly what I will do because I have repeatedly tried to handle this matter amicably without involving courts.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX, & XXXX are reporting inquiries I did not authorize and they should not have given these companies access to my data without my written consent. 

XXXXXXXX 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 XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I write to request that a 60 day plus late payment notice on my credit report be removed by XXXX  XXXX XXXX ( XXXX ) ; my credit report via Experian shows this as a " potentially negative '' item.This is the only negative item on my credit report. 

In the fall of 2020, I had stopped regularly using the XXXX credit card and did not charge no known expenses. However, an annual subscription ( which I thought I had cancelled ) renewed without my knowledge in XX/XX/2020. 

At the same time, I was in the midst of moving to a new home during the pandemic and was not aware of this unknown charge or that XXXX was expecting payment. As a result, I missed a payment on my XXXX card for the first time in XXXX years. 

Considering the above facts and circumstances, I request that XXXX remove the negative 60 day late notice with all major credit bureaus.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG
Consumer complaint received 2019-03-07
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. (GA)

I have no knowledge or records of this account on my report. I have disputed this unknown fraudulent medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt ), and have had no valid response. 
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. 
Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) I also reserve the right to include your Bureau in any legal remedies I pursue. 

You compromised my personal information with your security breach YET allow companies to place fraudulent tradelines on my credit report. The same information YOUR company compromised is the SAME information someone needs to place fraudulent things on MY report that YOUR company furnishes. It seems as if equifax is in the fraudulent companies side vs the consumers!
Consumer complaint received 2022-07-19
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. (MS)

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-07
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: Monterey Financial Services LLC (IA)

This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

I opened an account with Simple ( an online bank ). They sent me a debit card and asked me to fund the account. I deposited {$2000.00} in the account and started using the debit card. One or two days later, they froze my account and ask me to submit sensitive documents online ( picture of social security card, bank statements, etc. ) I said that I was not comfortable doing so and would like to close the account. They replied saying that I can not take any action before verifying my identity. Two years later, the funds are still sitting in the account and I have no way of withdrawing them. 

tldr ; funded an account only to have my money frozen for more than two years with no way to get it back without uploading a copy of my social security card online.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (LA)

XXXX XXXX refused to send a bank statement in XXXX, we sent a {$30.00} payment. When I called to make a payment on XX/XX/XXXX they refused to accept payment on my sons account, and they said that they had to talk to him. They have talked to XXXX on numerous occasions. They would not accept. Therefore, XXXX faxed information authorizing me to get information on his account, he also gave me money to pay on his account, because he doesnt get the print statement out of the mail, I get them. They have not been able to tell us why they tampered with the account.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, & XXXX continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (ME)

Midwest Recovery Systems ( " MRS '' ) is attempting to collect a debt that I do not owe. MRS placed a negative inquiry on my XXXX credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint XXXX XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Fraudulent hard 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 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
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by TRANSUNION & XXXX : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the XXXX XXXX California UCC 9.506 and XXXX RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past XXXX weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2022-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Heartland ESCI my student loan servicer began requesting repayment of my student loans in XXXX of 2022, despite the pause of federal student loans being extended until XXXX. Additional my statements were being sent to the wrong address despite it being updated in their system to a more recent address.
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation (FL)

I have a loan with OneMain Financial.I make 2 payments a month on my pay periods to equal the total monthly payment due. I made payment on the account on XX/XX/XXXX and still had a payment due before the end of the month. I intended to make the second payment on the XXXX which was my next pay period which would have been late per the due date but NOT 30 DAYS LATE! Then I would have made the next payment on the XXXX of XXXX which would have been 8 days past the due date, but again NOT 30 DAYS late. 

OneMain contacted me and because I was accruing late fees with each payment. They stated that if I made an additional payment on the XXXX ( meaning nearly XXXX instead of the XXXX ) then resumed normal payments, i would not longer have late fees. I stated I could not afford to make an additional payment then. So they offered me an alternative, that if agreed to a deferment, and instead of making the payment that in intended to make on the XXXX on the XXXX instead, that I would only have 1 payment in XXXX and I would be effectively caught up. 

I SPECIFICALLY asked, " Okay, but if I do it that way, will it show as a late payment on my credit report? '' She said " No! Because you have the deferment which prevents that, so it will report on time ''. 

Based on that " reassurance '' I agreed to the deferment to give myself a little more breathing room. 

I got an alert on the XXXX of XXXX that my credit score had dropped by XXXX points. When I checked, I saw that they had added a late payment to my credit. 

I called the local branch here in XXXX, FL ( furious ) and was literally ( not hyperbole ) laughed at by XXXX because I said " If you guys don't fix this, I'm gon na call an attorney ''. 

I then called the national customer service number. And was assured that the late payment would be correct the following reporting period. This clearly did not happen. There is still a 30 day late payment that was only late because THAT'S THE WAY THEY TOLD ME TO PAY IT. Now they WILL NOT take responsibility for it and keep telling me, " Well, XXXX, the payment was late. '' And no matter how much I try to get them to see their error, they just laugh it off and tell me an investigation was done and it's my fault. Next time make my payments on time. 

This is also not the first time they have done this to me. I just didn't realize they had reported me late several times last year for similar circumstances.
Consumer complaint received 2022-07-18
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)

MY NAME IS XXXX XXXX XXXX, AND I AM WRITING ON MY OWN BEHALF IN REGARD TO THE FOLLOWING INFORMATION ON MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE ANY OF THE FOLLOWING CHARGES/INQUIRIES ON MY FILE. I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I HAVE ENCLOSED COPIES OF THE FTC IDENTITY THEFT AFFIDAVIT. I AM REQUESTING THAT THE FOLLOWING ITEMS ON THIS REPORT BE DELETED IMMEDIATELY.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Jennifer McCoy, PC (TN)

they are charging me {$3000.00} more than what i was supposed to owe. wont answer my calls to make a payment or payment plan. theyve scammed me and countless other people. not to mention i was being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times and yes i do have a police report for that. and adding debt for fixing issues like the black mold in the bathrooms that we complained about for a year is insane. corrupt law office and corrupt apartment complex. i have tried hundreds of times to contact the law office to correct things and work something out and have never once have my calls been answered. uploading the ledger which again is thousands of dollars off and the reviews of other people struggling with the same neglect from XXXX XXXX.