davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

FRANKLIN COLLECTION SERVICE INC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-04-09
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 (CA)

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX  was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXXe whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them TD Auto Finance was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Consumer complaint received 2022-01-25
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)

XXXX reporting closed/, paid accounts. These accounts were authorized to delete XXXX continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-04-09
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. (CA)

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  XXXX was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXX whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC (FL)

On Monday morning XX/XX/XXXX, I spoke with XXXX XXXX, executive Mortgage Banker advised I was interested in refinancing my home for the sole purpose of lower monthly payments and a lower interest rate. She starts asking for basic information from me, such as details on my current loan, insurance, flood, etc. She mentioned walking me through an application. I tell her before we go in any further, I would like to see an estimate so I can visual the financial information she was explaining. It felt as though I was being pushed in a direction of completing an application before ending the call. I ended the call and stated I'd reach back out to them. Be the end of the day I was notified by my credit bureau there had been a credit inquiry. I did not authorize Quick Loans or Rocket Mortgage to pull my credit report as I was inquiring for an initial quote/estimate, I've called and emailed XXXX XXXX as well as XXXX XXXX in attempt to connect, but have not had any contact back.
Consumer complaint received 2022-01-25
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. (NC)

I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.
Consumer complaint received 2022-01-25
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: Synovus Bank (FL)

Evaluate this account : 1STPROGRESSXXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Ordered childrens XXXX yard playhouse supposedly on clearance XX/XX/XXXX, thru XXXX ad. Hours later, I check my online statement to find I have been charged by a XXXX company ( actual company in Ohio ) {$140.00} plus international currency fee. Immediately I call Citi, cancel the order, and the card. They issue security credit, send new card to me. I believe issue done. WRONG Citi sends me new card, THEN permits XXXX company to charge NEW card on XX/XX/XXXX. Posted to statement XX/XX/XXXX. I call immediately, inform they they had NO PERMISSION to bill new card with bogus charge. Rep tells me they " automatically '' bill new cards issued after I cancelled to PREVENT XXXX CO. FRAUD!!! I have called and invested 14 hours in phone wait time trying to get them to realize their mistake. 
When I called about charge showing up on my replacement card, they cancel the replacement card and advising again it would be forwarded to Security, issue me a THIRD card, and never correct their error. 
I spent 3 hours at my local Citibank with lovely rep trying to resolve as she looked at my statements with HER and her overseeing bank manager last week, and was told security would advised after she was subjected to the same line transfers, holds and bad English service persons. Now my credit reports have been advised I am 4 months late, plus late charges. I have NOT received anything from XXXX. There was original fraud charge, and no permission given for any rollover charges to new card when Citi rep was advised, and I have wasted WAY too much frustrated actions trying to resolve, when I did the right thing the first day, and every action after is a result of Citibank 's error, horrible service, and woefully insane business process and poor language skills of out of USA service centers.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

On XX/XX/2021, I met with an individual to purchase a set of car wheels. After inspecting the goods, I asked the seller to provide his email address for me to send a XXXX payment. He provided his email address and I sent the payment. After a few minutes, the seller said he still had not received his payment. I went and checked the recipient email and he had made a mistake with the spelling and provided it one letter off from his actual email address. The erroneous email address he initially provided is XXXX, and that individual is a real person with whom I have never conducted business. 

I attempted to open a dispute through XXXX and they declined citing I sent payment as a friend and instructed me to submit a claim through my credit card, Citi Cards. I filed the dispute with Citi and after several months of providing all of the requested documentation, Citi provided a final letter stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. You will need to contact the merchant if you with to pursue this matter further. our investigation remains closed. ''
Consumer complaint received 2022-01-25
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. (CA)

XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a text from a number claiming to be Bank of America. They asked if I had authorized a transaction on XXXX  To press y or n for yes or no. I replied n and a text came up asking if Id like an agent to call me. I said yes. They called and it was a Bank of America phone number. I answered and spoke to an agent who walked me through transferring the money back from XXXX to my account. I was at work and flustered and confused. I asked a number of times who I was speaking with and they even told me to look the number up, which I did on XXXX. It was the Bank of America number. They attempted to transfer {$3500.00}. They were only successful in transferring {$2000.00}. They sent it to some XXXX XXXX  account using my email address but XXXX XXXX could not give me any information. Bank of America opened a claim and ruled that I was in the wrong because I authorized the transition ( part of a scam ). I have not been able to get any of the money back. The next day the same number called me ( XXXX ) to check on me. It was the same caller from the day before. He was trying to get the last money, when I told him I knew he had stolen from me he laughed and hung up.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX PayPal permanently limited my account and told me that I had to wait 180 days to withdraw the funds that were in my account, so I did. After I received no email saying that I can withdraw the funds, I gave them a call and they told me that my funds were on hold until further notice due to me trying to receive my unemployment benefits from a state that I had worked in but didnt live in. They also told me that they were waiting to make sure that no charge backs or reversals happen. Well its been a full year that I have been waiting for my funds to be released to me. I am struggling financially and would really love it if I can finally receive my money.
Consumer complaint received 2022-01-25
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. (NC)

I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.
Consumer complaint received 2022-01-25
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (FL)

I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (NY)

My XXXX XXXX was bplagued with multiple recalls. An unsafe vehicle. There was problems and recalls on the brake system and structure. I paid off the loan even though I was plagued with constant car repairs. The acronym for XXXX. Found on XXXX XXXX XXXX describes all the problems that I with this mini van. After I paid off the car loan, my employment was garnished. I went to court, did an Order to Show Cause and proved that I paid the vehicle off. A few years later, my employment was garnished again. I went to court and proved that I paid off the car loan, that my previous employment was wrongly and unlawfully garnished. The law firm waited7 years, after I shredded the court paperwork and I am being garnished a 3rd time. The balance of the loan was under {$900.00}. I am being garnished for {$31000.00} for a vehicle that I never enjoyed, had multiple recalls and was unsafe to drive. 

I complained that this is credit fraud, identity theft and consumer fraud and theft of my social security. 

I've been sick and I am unable to keep going to court to fight this fraudulent illegal claim that I owe {$31000.00} for a minivan that I should have been reimbursed for purchasing. How can I owe {$31000.00} on a $ XXXX and every few years the law firm takes me to court garnishes my pay and never return the moeny that they have stolen from me.
Consumer complaint received 2022-01-25
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. (NY)

Trsnsunion reporting closed/, paid accounts. These accounts were authorized to delete Transunion continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.