davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/XXXX, I submitted a request to have a stop ALL placed on a payment from XXXX XXXX XXXX in the amount of {$150.00}. This payment was presented to my account on XX/XX/XXXX and was not credited back to the account until almost the end of the day on XX/XX/XXXX. Because of this unexpected delay, I incurred an overdraft fee due to a previous bill I had set up being sent through on XX/XX/XXXX. The overdraft was submitted to my account on XX/XX/XXXX. I submitted a request through the online messaging system to request to have the overdraft refunded due to the delay in TD bank returning this payment to me that was from the original stop all. The first person who responded was completely incompetent and took more than the 24hour notice I was told it would take to respond. They did not even acknowledge the right stop payment and referred to a payment from XXXX in the amount of {$300.00} from XX/XX/XXXX. Not even the right year. They said no stop payment was placed and immediately denied the refund for the overdraft. I immediately responded back correcting them of this and requesting to have this fee overturned. Again, I was told that this was not TD banks fault despite the delay. I then responded again and next representative tells me that the matter had been resolved over the phone. This is completely untrue. I spoke with a TD bank Representative by phone for a totally separate matter. Yes it was related to XXXX XXXX  but it did not involve this overdraft fee. I responded back once again and was told that my account was not eligible for an overdraft fee refund. This is despite this being TD 's fault for significantly delaying when this payment would be credited back to me. Furthermore, I do not understand why if I am putting in a stop payment for something, why I am punished when that initial debit comes from the account. This makes no sense to me. I wish to be refunded the {$35.00} for this matter.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PA)

I keep getting calls for someone else. Mo matter how many times I tell them I am not even the person they are trying to reach, the calls start up again a few months later. They have been calling me over and over multiple times a day and I want it to stop and never start up again. It isn't even my debt!!! It's an old roommate from over 15 years ago. They call from XXXX. I have gotten 30 calls so far from this number, and hundreds of calls from different debt collectors about this same person and they never remove my number. I am ready to get an attorneym
Consumer complaint received 2022-08-16
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 XXXXXXXX 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n 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 n 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 XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more
Consumer complaint received 2024-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (IL)

im writting in response to a debt claim that i owed to exeter i settle out with them under the theats of taking me too court, reporting to the credit reporting bureurs, But they never told me i can dispute this debt, i never gotten validation of this account they never sent any of that to be fair, so im formally asking for you to cease any collection actities until debt has been validated addionally any attemps to reports this to a credit agency with out proper validation of the fair credit act i am asserting my rights under 15u.s.c.1692, an they are still reporting the original debt
Consumer complaint received 2022-07-12
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. (MI)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (WA)

This not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have 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 a account without my written instructions. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

XXXX removed XXXX points from my credit score when NELNET reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The XXXX XXXX capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my XXXX  program at XXXX University. In resolving this issue I have learned my FSL consolidated loan is not being serviced by NELNET it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX XXXX XXXX  are no longer reflected on her current credit reports. 

This is a lie as XXXX reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud XXXX, NELNET, XXXX or all three of you? 

Complete Conduent response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( CES ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of Nelnet. Nelnet contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Consumer complaint received 2022-08-16
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)

n accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Data Check of America LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (VA)

On or about XXXX or XX/XX/XXXX I rented a musical instrument for my daughter at local music store called XXXX XXXX XXXX. I returned the instrument in XX/XX/XXXX. I have the return receipt. At the end of XX/XX/XXXX I discovered that a collection agency had placed a collection account on my credit for about {$1700.00}, the original creditor is listed as XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX and they acknowledged my receipt for returning the instrument but state there is nothing they can do to help me and that I needed to contact the collection agency. They provided the name of the agency as XXXX and provided a toll free number. I had to search the internet to locate the company. 

My complaint is that XXXX XXXX XXXX has the instrument and did not credit my account for the return of the instrument and provided incorrect information to a collection agency. XXXX XXXX XXXX has the instrument and yet they have apparently reported to the collection agency that I owe for the cost of the instrument. Secondly I was never contacted by the collection agency and did not have the opportunity to dispute this debt. Errant information has been placed on my credit profile causing my credit score to drop precipitously causing me harm. 

Fair debt collections practices were not followed.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (VA)

n accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (GA)

I am not entirely sure why these people have been harassing every single family member of mine, but they have done it for months. I have sent a complain about this as well. My sister in law just messaged me and said she received yet another call from a " XXXX XXXX '' who is from Williams and Fudge Inc. They apparently told her they had been trying to reach me. Let me just be clear that I have requested this company send me the information through USPS mail and they refused. They shared PERSONAL INFORMATION with people who are not even related to me over the phone as well. I have a minor whose biological father is not to know of our address and apparently that was released as well. These are NOT FTC compliant tactics if these are bill collectors. He told my family member today XX/XX/17 that he got her # by " Doing some research '' and said he knew that they knew me, etc. I would like someone to investigate this person because this is STALKING and HARRASSMENT. EVERY SINGLE PERSON he contacts they ask them to stop calling and he continues to do so with unlawful tactics and keeps sharing my personal information with people who are NOT even related to me. The screenshot provided is just ONE of the many relatives and friends who have called me about this. Not only is it embarrassing, but he has called my employer and shared information as well-and I have NO clue why or who they are, as they will NOT respond with my request that they communicate WITH ME ONLY through USPS mail, for a paper trail, for my benefit as well as theirs.
Consumer complaint received 2019-01-24
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: CCS Financial Services, Inc. (GA)

The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went into the local branch on XX/XX/2022 to deposit a check. I specifically asked if a hold would be placed on the check and if so how long? The teller asked me to hold on a minute, she checked and said the hold would be lifted on XX/XX/2022. The teller gave me receipts with a hold date of " XX/XX/2022 '' and verbally told me the hold would be lifted on XX/XX/2022. I told her to go ahead and deposit the check. Last night I received an email from Bank of America telling me the hold would be extended to XX/XX/2022, The email stated and I quote " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. My reason for going into the bank and asking the teller about the hold time is because I know several people who have deposited checks and they are told one date by BOA and then find out later it is extended for several days. No need to call customer service, most of them are no help and can not explain why I was told one thing and the bank did another.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FMA Alliance, Ltd. (MS)

i sent a letter on XX/XX/2019 regarding this company that says i owe them XXXX. i have ask for validation per Fair Debt Collection Practice act bearing my name.i am aware of the 30 days allowed by the FCRA , in  which i haven't heard from them as of XX/XX/2019.
Consumer complaint received 2019-01-24
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)

The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MA)

A Citibank American Airlines Advantage credit card was opened without my authorization. I called the bank to report the unauthorized charges and account opening. The bank initiated an investigation where the bank claims that the charges were valid and that I had to submit a payment by XX/XX/2024. Throughout this time where the account was in dispute and under investigation, I was advised by Citibank to avoid submitting any payments to the account. Towards the end of XX/XX/2024 the bank issued a letter stating to pay on XX/XX/XXXX where I proceed to submit a payment on XX/XX/2024 to be on-time for my payment. Citibank decided to report to the credit bureaus that I was past due XXXX even though I was compliant with their request.
Consumer complaint received 2018-03-01
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. (MD)

I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from XXXX, Experian and XXXX. 

Experian has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.