davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 an account without my written instructions
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC (KY)

My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-06
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-06
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. (MD)

I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to XXXX. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Consumer complaint received 2022-07-06
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. (MD)

I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX  XXXX with the account. I have never done any business with XXXX, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX XXXX XXXX XXXX of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from Transunion that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Consumer complaint received 2022-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX XXXX XXXX demand notice lists no escrow compared to the last monthly mortgage statement which lists an amount of {$1400.00} screenshot from customer portal showing a deficit in escrow XXXX which is in question because I made escrow only payments from XXXX to XX/XX/XXXX. 

XXXX demand notice has a different amount than the last monthly mortgage statement which is due for XX/XX/XXXX XXXX
Consumer complaint received 2020-05-19
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)

My credit reports shows a bank loan, paid off months ago, as still active. This caused a DENIAL of Credit on a new loan. I called Experian TWICE and after being ON HOLD for 20 and 50 MINUTES, respectively, I'm told " they're working on it ''!! BUT, NOT RESPONSIBLE for " inaccurate info FROM LENDERS ''! WHY NOT? You report it as GOSPEL!! Filed online dispute which was REJECTED as 'unsolvable Online ' THEN why HAVE Online?? WHAT if some DON'T HAVE ONLINE access to start with?? IT becomes excessive wait-time phone " required '' calls! I want the GOVT to take action to see that : ( 1 ) Consumers don't WAIT A LIFETIME on Phone for URGENT complaints. ( 2 ) Phone bank personnel must speak FLUENT English! ( 3 ) Email addresses MUST be provided with each Dept requiring issue { s } RESOLUTION! ( 4 ) The above is tip of iceberg in today 's " Customer Non-Service Era '' ESPECIALLY GIANT businesses such as Banks and XXXX!! THEY MAKE Billion $ OFF Americans and wont PROVIDE real CONTACT PROVISIONS! LAW ( s ) must be enacted, AND enforced, to correct Arrogant Avarice.. THEY HAVE plenty OF $ $ $ TO hire adequate staff! Don't believe it's possible? Check any BIG company website and SEE FOR YOURSELF! 
My daughter going through SAME with XXXX! FIND A VALID email or DIRECT HUMAN contact phone there! And its about FRAUD {! } on her ACCOUNT!! PERFECT Example! NO REAL " CONCERN '' for their SYSTEMS ' failures! They " GOT THEIR MONEY ''!
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I started services with XXXX and I was charged for a kit, and there was a set date where my monthly order would run. I contacted XXXX after finding out it was a pyramid scam and this was after they ran the monthly payment too soon when it was not authorized. I was provided 2 return labels by them and was provided a refund processing time frame which has now been exceeded by weeks after the returns were received. I filed a dispute with USAA in which I feel they are continuously not properly investigated or handled. I received a response after USAA asked me to provide additional proof I supplied documentation that shows the date that the monthly payment was authorized for was not followed also all tracking return info ordering info and the confirmations that show all orders have been received by the vendor with their return labels as of XXXX they have had the item still no refund. USAA sent me a notice on XX/XX/22 stating the transaction was authorized therefore they are once again reversing the provisional credit, and once again siding with the merchant who has the money also merchandise. This vendor attempted to debit my account twice after this was canceled USAA provided no support. They do not actually investigate anything so this means I am out of another {$250.00} this continues to be a trend for USAA in my personal experience there has not been one instance where they used any of my supporting documentation to make a just decision. I would like an explanation of how this continues to be the case, and how we can support merchants keeping merchandise also customers ' money which means I apparently am able to donate because there is nothing I have received out of this transaction also every month my account has been tried for a shipment of the returned items. I am so disappointed as a member.
Consumer complaint received 2022-07-06
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: WELLS FARGO & COMPANY (FL)

I have purchased something and cancelled the order without items getting delivered at all from XXXX using XXXX and charged to my Wells Fargo Credit Card. I was short-refunded of {$100.00} short ( e.g {$1000.00} paid, {$900.00} refund ). 

I have opened disputes twice with XXXX, XXXX refused to cooperate, asking for random proof like tracking numbers, recording of call, that I can't possibly prove. 

Then finally I have opened a dispute with Wells Fargo to chargeback XXXX then Wells Fargo declined dispute without any explanation even providing my receipts and proofs plenty of times. 

Important fact is that I am deaf person. That makes a phone call incredibly difficult.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent this dispute to Equifax to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EASTERN BANKSHARES INC (MA)

XX/XX/XXXX I attempted to check my Eastern Bank account balance via online. I was prompted to contact the customer service via telephone following that a representative advised me to visit the branch when I arrived at the branch before speaking with the teller I tried to use my debit card at the ATM and alerted it stolen. Upon approaching the teller I summarized the events he checked both of my accounts and confirmed the debit card was indeed reported stolen. Uncertain of the next steps he requested assistance from a senior teller whom was extremely volatile. She begin loudly stating your account is overdrawn {$470.00} are you making a deposit and proceeded to take my debit cards out of my hand stating I dont think you can have these. I explained to her that I was in receipt of a deposit on that day so unfortunately I would not be making a deposit because all the money I had was taking by the bank and I now couldnt use the account. Ultimately she stated what do you want to do Im confused why you came in. At that time I asked if someone could please contact me because I was totally confused what happened to my accounts. The following day I attempted to call the branch to see if they had any updates and it was a failed attempt. Ive been reached out to customer service on four different occasions that same day via telephone, was unsuccessful. Following that day, I decided to visit another branch and became aware that my accounts were closed and could no longer have access but still COULD NOT have a reason why. The teller stated there wasnt anything I could do and I would receive a letter still not knowing why my account to a closed I attempted to contact the bank again via telephone. A few days later I received a letter stating my account was closed for possible check fraud. I reached out to the contact person and explain that unfortunately I was NOT aware of this but while I was not present my family member that was an active XXXX gained access to my accounts via XXXX. Devastated I pleaded if there was anything I could do to rectify this matter and I was told NO that it was going on my credit report and will be removed in 7 years and I would no longer be able to get a Eastern Bank account and it would be extremely hard to get any bank account because Im now flagged as FRAUD.
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (IN)

I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: U.S. BANCORP (PA)

I currently have a US Bank XXXX XXXX XXXX  XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX  's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX  's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank.