davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (DE)

TD bank told me that even if I tried to deposit money into the account to avoid overdraft fees, it would not make a difference because it was too late even for transactions in outgoing pending status. I need help with helping this bank reform its predatory fees schedules.
Consumer complaint received 2022-03-04
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. (NJ)

XXXX and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe Exparian now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  and XXXX 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 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and Transunion, XXXX and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM ACCEPTANCE NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I am not sure if I am submitting this into the right section, but I am hoping so. I made a transaction on XXXX with a XXXX  seller. She claimed to have tickets to a XXXX game, two for {$350.00}. I paid her and two minutes later she claimed it didnt process. I checked and it showed she received the money and it was taken out of my account. I told her this and she tried to claim I still needed to pay her again. I said I was not comfortable and wanted my money back. The money is still out of my account and into hers. Both XXXX and my bank, Wells Fargo, are not being of much help with anything as of now. I have involved the police, and we are trying to further investigate.
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

Shortly after purchasing the vehicle I canceled all extended warranty products the funds were sent immediately to Ally financial then I made a few payments after that was done. then to check every month my account the next payment due date was XX/XX/2021 every time I logged on to the website to make a payment it was {$0.00} payment due XX/XX/2021 however they tacked on finance charges for every day and month after month when there is no payment due each month till 2021 how can you charge finance charges when theres no payment due. Then the coronavirus pandemic hit with quarantine for five months..now no job no income still had no payment due but theyre still charging me finance charges theres no help for that either. I just recently spoke to three representatives they could not help me was transferred to a supervisor she stated also theres no help with the finance charges I totally disagree with this if theres no payment due how can you charge me finance charges Im hoping that you can help me with this. If any further information is needed I will gladly send you anything and everything. Thank you sincerely, XXXX XXXX XXXX im also going to add a reference number the representative gave me from Ally Financial to dispute this problem reference number XXXX.
Consumer complaint received 2023-06-12
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. (PA)

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. 

The letters are stated with items and issues. 

1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repor
t containing any of the following items of information Any other adverse item of information, other than records of convictions 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MT)

I had a transfer through simple swap get cancelled and refunded to my Binance US account with XXXX Doge, the money never showed back up into my account and I have been emailing them for weeks and no reply just auto responders. Meanwhile the coins were worth $ 11000plus and I want to sell them and can do nothing. I keep seeing in the complaints that they dont respond for months.
Consumer complaint received 2022-03-05
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. (GA)

1. XXXX XXXX, XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX Bank XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payment 3. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX of listed late payment 4. XXXX XXXX XXXXXXXX XXXX, ( 7 ) XXXX, XX/XX/XXXX of listed late payment
Consumer complaint received 2022-03-05
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: SYNCHRONY FINANCIAL (MI)

Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX University Prep Schools with at-risk kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optima Recovery Services LLC. (IN)

I had emergency XXXX XXXX. I had XXXX XXXX  insurance. They paid for the XXXX but not the XXXX. I contacted Optima Recovery Service at ( XXXX ) XXXX, to resolve the bill or get a copy of the bill so that I can get help paying it. I spoke with XXXX he told me to shut up. hung up on me twice, would not let me speak to management, and when I called back and he spoke to me a third time he said he had nothing else to say to me. The company was not trying to help me resolve the bill at all, instead they were rude and abusive.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021 I reached out to Midland Credit Management and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Consumer complaint received 2020-02-04
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 (AL)

XXXX University has received my student loans and financial aid which has paid for my classes. But they are holding my refund amount. They won't tell us ( other XXXX students ) what the real problem is and they keep giving us the run around. Something needs to be done about this. Because that money is mines and i have to pay it back so they need to give me whats mines.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The account reporting on my credit I have no knowledge of the account. I have reached out and sent multiple disputes to the credit bureau requesting validation and verification of the account that I'm unaware of doing business with I got no response, I have also reached out to the creditor and neither have responding.The information reporting on my credit report does not match across each bureau. The account numbers per each bureau is not the same, the dates open is not the same per each bureau as well as the balance. No investigation could've been done no remarks of account was in dispute.
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018, I contacted Experian to inquire why my XXXX XXXX XXXX Mortgage account was not showing on in my credit file. I was told by two different Experian customer service representatives that XXXX XXXX didn't report to them. I contacted XXXX XXXX and was told that they do report to Experian and that it must be something going on with their system. I called back and told Experian this on XX/XX/2018 and they didn't investigate just told me again it was because XXXX XXXX didn't report my mortgage account to them.
Consumer complaint received 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AL)

I was having my check automatically deposited into my account at BBVA Compass in XXXX, Alabama. My account became overdrawn due to attempted in-house transfers to my savings account and was charged off. When my paycheck went in XX/XX/XXXX, I was told it went to a " collection account '' and that it would be held until the next week and processed after the funds I owe were collected and deposited to my savings account. It is now XX/XX/XXXX, and I still do not have access to my funds. I spoke to the branch manager,  who told me there was nothing she could do that I would just have to wait.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (FL)

Disputed item listed on Experian as lease XXXX XXXX XXXX XXXX Opened XX/XX/21 {$5100.00} original bal 2 months past due Account XXXX XXXX phone Answer from Experian - debt verified by lender No changes made to your report. 

Called lender they had a hard time finding the account in question because they insisted on looking up account via phone number or email used. I of course dont know either. They finally found the account. They did confirm the amount on credit report. They transferred me to collections. I explained the error got mad and said they would look into it. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I reviewed my consumer reports and noticed that I had three late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

PNC gave me a XXXX credit card and did not tell what itwas for or how to use it. 

I was told one day that my account was past due.

They then told me that a balance transfer was made with XXXX XXXX Bank. 

I knew this bank since it was with my XXXX credit card account. But contacts with XXXX they said no balance transfer was made. I reviewed the statements of XXXX and they do not show a transfer. I asked for an explanation and they could not give me one. 

The amount was XXXX and I know I did not have that much money in XXXX. 

We are seniors I am XXXX and my wife is XXXX and they keep pushing us around and not trying to answer our questions. Thus this effort. Please help!
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NY)

LJ Ross collection agency for XXXX  XXXX erroneously placed a collection account for {$510.00} which is the same as XXXX  XXXX Account XXXX on my 3 credit reports ( i.eXXXX, XXXX, and XXXX ) as per LJ Ross letter dated XX/XX/XXXX. Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my current XXXX  XXXX account. This LJ Ross collection agency account XXXX must therefore be REMOVED from my 3 credit reports ( i.e.XXXX, XXXX, and XXXX ). REMOVE THIS LJ ROSS COLLECTION ACCOUNT XXXX FROM MY XXXX, XXXX, XXXX CREDIT REPORTS BECAUSE DEBT WAS TRANSFERRED TO MY NEW XXXX ACCOUNT. I will sue LJ Ross and XXXX.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (VA)

They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on me.