davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
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: Franklin Collection Service, Inc. (TN)

XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

Franklin Collection is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.
Consumer complaint received 2019-04-29
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. (NY)

My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (NY)

In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-07-27
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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 2019-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

This is a continuation from my previous complaint and that is I forgot to mention that in the process of me going out of town when my father passed  away I lost my wallet no I didnt report it the police due to I was going through so much at the time with the passing of my father. I really hope that youll can resolve this situation with XXXX  and XXXX XXXX so that I can open a regular bank account as soon as possible.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I had a joint account with XXXX XXXX XXXX that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the account manager. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last four XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX In 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 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (TX)

AMCOL system Acc # XXXX Amount {$480.00} It shows delinquent It should be paid by my health insurance Company stop billing me and report the account to the credit agincy Please remove this account from my credit report
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

I was charged an overdraft fee. Apparently, my purchase of a XXXX present for my little nephew overdrew my account. I have been unemployed since XXXX and depleted my savings since the enhanced XXXX ended at the end of XXXX. But I still kept my account current by moving money from my savings into my checking account. I had an emergency vet bill and hit an issue paying for groceries so I asked my parents to send me my XXXX money early so I wouldn't have to keep going into my savings. Apparently, the purchase and the XXXX transactions didn't line up in your system and you charged me {$35.00}! I asked the customer service rep and a supervisor to reverse the charge and they refused. There was virtually no time between when money went out of my account and when money was deposited into my account.
Consumer complaint received 2019-04-29
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: TCF FINANCIAL CORPORATION (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX- XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX  1. XX/XX/XXXXXXXXXXXX XXXX XXXX 2. XX/XX/XXXX
Consumer complaint received 2019-04-29
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: TD BANK US HOLDING COMPANY (IN)

My identity was compromised while I was oversees XXXX in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX  XXXX 1. XX/XX/XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 5. XX/XX/XXXX
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and XXXX. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.
Consumer complaint received 2019-04-29
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. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  2. XX/XX/XXXX
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase put my social security number on the XXXX list preventing me from getting a merchant account. I never had a merchant account before so I do not know how or why they are reporting this. I have reached out to them and they said they would remove it but they have not. This is irreparably hurting my ability to earn money for myself and my family.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and TransUnion. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.
Consumer complaint received 2018-09-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MI)

Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX. XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX. XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was on XX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX was the co-signer on the loan, XXXX. XXXX advised me that she spoke to my Sister n ' Law XXXX Hill whom is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX. XXXX advised her of my loan information, she stated that XXXX. XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX. XXXX from XXXX . While speaking to XXXX. XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank allowed multiple companies to charge my card without my knowledge for over {$20000.00}. I have disputed the charges with Chase beginning in 2017. They now say after reaching out to CFBP in XXXX after 90 days, that I waited to long to go to you for them to be able to do anything. I have it from the merchants that charged the card that they did not have authorization, verbal or written, to make the charges and that the charges were not made in person. I have become exhausted, and can not afford an attorney. The business for which the charges were made has been dissolved and then all of a sudden the debt is showing up on my personal report. For years, I have been disputing and their over seas customer service did nothing, now when their main office is actually looking at it, they say it is too late. It is never too late to do the right thing, reimbursing the fraudulent charges, or removing the fraudulent business balance from my report is the right thing.
Consumer complaint received 2019-04-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NJ)

A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues. 

Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections. 

I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue. 

I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I had student loans via Sallie Mae, and now Navient took over. I am a XXXX XXXX XXXX in a XXXX XXXX building where ALL XXXX  receive free lunch. I would hav qualified for all of my loans to be removed due to meeting all the qualifications for XXXX  Loan Forgiveness. I have never been a day late and they charge 8.25 % daily interest rate. I will have paid over {$500000.00} in the end for an {$85000.00} loan. This is CRIMINAL in my eyes and in the eyes of many! Due to Sallie Mae/Navient being a private lender I was informed on 3 occasions that I don't qualify for the forgiveness. They refuse to work with you to lower interest rate also.
Consumer complaint received 2019-04-28
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. (MA)

On my XX/XX/XXXX LOC with XXXX I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full on XX/XX/2019 XXXX reported me late for XX/XX/2019 and XX/XX/2019 on Experian and perhaps other credit reporting agencies.
Consumer complaint received 2019-04-28
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: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On my XXXX XXXX with Santander I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full onXX/XX/2019 Santander reported me late forXX/XX/2019 and XX/XX/2019on XXXX  and perhaps other credit reporting agencies.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

i have XXXX XXXX debit card where my social security check is put on. ive had it for approx 8 years. i have had several unauthorized charges in one form or another some lasting 2 years of consecutive charges taken from my acct. it is now at the point where approx 200 hundred dollars a month of unauthorized charges has been taken from my acct each month. i have filed several disputes but XXXX XXXX never ruled in my favor and i have spoken with XXXX XXXX at least once or twice a week for years because of this.. the amt taken on XX/XX/2019 was XXXX dollars i called them again and after being hung up on twice. i finally was able to file yet another dispute and asked that i be given provisional credit. today 6 days after filing the dispute i spoke with them yet again and they havent sent the paperwork i have not received it. and when i asked about getting a provisional credit before ten days. they said no. that as long as it takes for them to investigate. i read the law regarding this. and she said its their policy and not a law. i am losing so much money and i am XXXX on a fixed income. i truly dont know what to do anymore and whould hope finally someone hears me and makes this stop
Consumer complaint received 2019-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (OH)

On XXXX someone stole my identify and took out a loan from check and go for {$750.00} in my name. I received a call from a debt collector on XXXX informing me that I failed to pay my loan. Reference number XXXX Thats how I found out about the theft. I reported the fraud to the police department and officer XXXX came to my home and took the report. I sent a letter dated XXXX to XXXX XXXX XXXX requesting all documentation to see who took the loan out. They sent me a letter dated XXXX stating the ID Theft had occurred in this situation. I was informed they could not provide me with any information I would need a court order.