davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Went to Free Annual Credit Report to get my XXXX  report. Once I had the report, no issues there, I tried to use the link in the page to purchase my Credit score. The site would not accept any of my credit cards and after a 3rd attempt provided a pop-up window with a phone number to get the issue resolved. 

I called the provided number and ended up speaking to a CSR who would not listen to what I was actually telling him. He then told me he needed to collect more information and only after he had the information did he tell me he was building a profile with Experian! Now, He didn't ask if I wanted to do this, I thought he was going through a verification process. Why he would need to build a profile to provide the credit score material that I was asking for was beyond me. Finally, thirty minutes later, he asked me to try to do exactly what I had done to be directed to him in the first place. I tried and it still wouldn't work. As soon as I clicked the link it took me straight back to the phone number I had called to get in touch with them in the first place. Didn't even try to go to a place where I could re-enter my credit card information. So he tell me I have to call another number, XXXX and that is all he can do for me. I ask for a supervisor. 

After another 20 minutes I finally get to a supervisor and get the same runaround. He tells me that the only way to get my score is to buy the credit report and score combo for {$14.00}. I say, no, I already have the credit report I just need the score. Much more XXXX   about that product not being available. If it isn't your product then why would you collect my information? If it isn't your product why would the EXPERIAN site have the pop-up phone number for this supposed help line? No answer. I give up in frustration and decide to call the other number they gave me. Disconnected or not in service. So they won't help and they deliberately direct me to a number that is not in service.I even asked them to just sell me the product I was looking for and they wouldn't do it. Now I have nothing but a lot of wasted time. Completely useless and these are the people that are supposed to be trusted to collect and provide accurate information for 320 million American 's to keep our financial systems running strong?
Consumer complaint received 2018-09-20
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. (WY)

TransUnion continues to report incorrect balance for a XXXX XXXX Card account in the amount of {$190.00} since XX/XX/2018. This balance should be XXXX DOLLARS and I have been unable to get it corrected through the direct dispute process. XXXX  shows the correct balance which you may use to compare reports with. Thank you for your help.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I went to the TransUnion website to get a free annual credit report. I have subsequently learned that this is only available at XXXX. The entire time I was at the TransUnion website I thought I was getting a free credit report. At no point did I see that I was signing up for a service that involved a {$19.00} per month recurring fee. They did ask me for credit card information but this was requested in order for them to make sure that I was the subject of the credit report I was requesting, as a form of authentication. I was aware that the credit reporting agencies have been fined time and time again for signing consumers up for services without the consumer knowing it. Even knowing this, and watching out for it, I somehow managed to sign up for a service on their website and not know it for 6 days, until I saw the charge on my credit card statement. I called them to cancel the service, which they claim to have done, but they did not refund the initial charge. At trhe very least this is a deceptive business practice. At worst is is fraud.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXXr XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I did not pay my 1 % financial responsibility by XX/XX/2018. I did it by mistake trying to avoid the previous problem reported to you, when they tried to penalize me for " paying early '' claiming it was a double payment ... Nevertheless, now the ignorant, no only has made erroneous claims that I have been paying late, but they have rounded up my balance due, pilfering or embezzling {$0.00} from me. This is absolutely egregious. If they have any authority to do " cash rounding '' - a phrase I found via XXXX. If they do, then they are likely generating millions by robbing millions of people across the country and State of Michigan of our personal property : quarters, dimes, nickels and pennies every month. Just imagine what they are doing to grandmothers, and single mothers who just are too occupied to pay the attention necessary to identify these unscrupulous activities. I paid their late fee. I paid their interest rate. I will tentatively pay their claim for {$0.00} so as to not subject my account to another late fee, but I request that you demand that they return my {$0.00}, and persecute them on my/our behalf with respect to principles under the ( 1 ) Michigan 's Scanner Law - The Shopping Reform and Modernization Act, Truth in Lending Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the like.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This account was placed for collection with this company on XX/XX/2017. I disputed this debt with company on numerous occasions. What was sent to me by this company does not demonstrate proof of it being valid. I requested a original copy of my ssn or Identification and original signatures matching my correct full name. I also requested the method in which was taken to prove that this my account.I am requesting the practices Act section 809 ( b ). I will not submit any information to this company as proposed. If all is valid then they the company should be able to provide full disclosure not some assumed information.
Consumer complaint received 2018-09-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (WI)

I have received frequent calls-multiple times a day from the company. I have not contacted as I have a third party contacting them and they refuse to stop. Today XX/XX/18 I spoke with a representative and they stated they would not stop contacting me until I set up a payment plan. I informed them I would not be doing that as I had a third party company and they stated, they do not work with them and I would be wasting my time. They continued to stated they were not harassing me with all these phone calls. They also reached out to family and friends ( some I had not spoken to in years ) to get a hold of me. They told them they are trying to get a hold of me as I have connections through those people..
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (AZ)

My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: East Coast Funding Group (MA)

Sorry for my english in advance ... .Hello, and please help me with this. I'm not sure whereas to go with this, but first of all, i'm not responsible for this vehicle as it was my mother 's vehicle which whom has passed away ( deceased ), and we returned the vehicle to the dealership and they mentioned that the GAP insurance will take care the difference on the amount. There are multiple violations on this account and consider the fact that it's still reporting on my credit. I've tried to ratify this issue for so long and I'm just given the runaround. But I had the opportunity to talk to several lawmakers and friends in the area, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MA and UCC 9.506 as well as State 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. Please kindly have them delete this from all my 3 major credit bureaus, and my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

The bank fail to provide advertised Rental Car Coverage during my car rental, where it instruct its customer to decline CDW offered by the rental company as they are covered by using their card for rental. 

I was locked out of my rental and the rental company requested payment for its service to unlock the car since I declined their offered CDW. When I called the XXXX XXXX customer service, since CDW is covered as per their advertisement, they transfer me to XXXX XXXX and in turn transferred me to roadside assistance which charged me {$69.00}. The charge details as follows : XX/XX/2018 XXXX XXXX XXXX Country Code : US - United States Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : XXXX XXXX Merchant Information : XXXX XXXX XXXX XXXX TX XXXX Transaction Date : XX/XX/2018 Posted Date : XX/XX/2018 Transaction Type : Purchase Reference Number : XXXX {$69.00} I attempted three times to resolve the issue and requested refund by my credit card to the charge since their instruction is false and they fail to offer their promised coverage but they fail again to address the issue. My latest complaint to them No. XXXX dated XX/XX/2018. 
Your support in that matter will be greatly appreciated. 
Regards,
Consumer complaint received 2018-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (MN)

XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. 
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. 
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. 

Enclosed /Copies :
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do. 

CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southwest Business Corporation (TX)

In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (FL)

I presume this company is trying to contact me about a past due bill. I HAVE NO PAST DUE BILLS or outstanding debt. I believe them to be a scam company. In XX/XX/2011, all outstanding debt on my credit report was handled as part of my divorce and either settled, written off, or paid in full. NO BAD DEBT OR OUTSTANDING BILLS are on my credit report, nor have they been since XX/XX/2011. This company keeps asking for personal information from me and I have told them not to call me again. They have now called my landlord. I have contacted the company and requested they not do this again, but I do not know if they will comply. AGAIN, I have not had any outstanding/past due debt on my credit report since XX/XX/2011. I check my report regularly and I do not see any evidence of identity theft either. So AGAIN, I presume this is a SCAM.
Consumer complaint received 2024-10-02
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. (NC)

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. 

XXXX XXXX Account XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX Accont # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 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 to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (AL)

On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.