davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MI)

I got a phone call today XX/XX/XXXX from a company from Oklahoma called XXXX XXXX. They were trying to get my information from me for an account that is not mine. It came from the bank TD bank. I ONLY USE CREDIT UNIONS FOR 20 PLUS YEARS. they harassed, threatened and called me names and threatened my credit. Two problems harassed and threatened, someone committed a crime in opening this account with my information. I hope you can extend an investigation into XXXX XXXX and TD bank.
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

I had a debt with XXXX I believe in XXXX or XXXX. It ended up going to collections. I have tried to dispute that it has been on my credit too long to still be valid. Also, it has been sold and resold by debt collectors, which I believe is making it difficult to have it removed, because everytime it is resold, it makes it look as if the debt is new. This is way too old to be on my credit and needs to be removed ASAP! The company sent me a letter stating there wasnt enough information to support my claim to have them removed from my credit.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Gentlemen constantly calls to make me pay more than I can afford. I informed him I was on XXXX. He constantly tell me that it's not enough. I need to pay more. Because I will take me over 2 years to pay. It's stressing me with the constant calls. From XXXX XXXX.
Consumer complaint received 2021-09-23
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. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (TN)

Received a phone call from agent with XXXX XXXX pay. I was asked if my name was XXXX XXXX to which I replied it was but I am divorced and remarried and my name now is XXXX XXXX. I was asked to verify my birth year and was never told as to why I needed to do that only told it was a call from XXXX XXXX pay. I informed the agent I would not verify or deny any personal information over the phone unless I knew what it was regarding. Agent then told me it was in reference to an account that has been sent to collections. I informed agent that to my knowledge I have received no late/ past due/ or collection notices from any creditors/debtors. I also explained that due to a recent divorce there are some accounts that are in my name that I have a divorce decree stating I am not legally liable for. I asked the agent for the name of the creditor or debtor that had sent the account to collections and I would, while I am on the phone with them, look up that account and see if the account is or was past due and take care of any arrears. I was told by the agent that they could not tell me the creditor/debtor name. I explained that I am happy to take care of the bill but I need to know who it is from. I was told that I was refusing to cooperate and the agent hung up on me. I had 3 other phone calls that all ended the same way. Finally, after the 4th person hung on me I decided to call them. I was met with a wonderful breathe of fresh air named XXXX who explained she would have her manager send me an email to the address they have on file so I can see who has placed an account in my name in collections and I can take care of it that way. The demeanor and the words from the previous agents badgering and telling me I was refusing to pay when I repeatedly asked for alternative way to pay was uncalled for. I never once said I wouldn't pay I was merely unwilling to state my DOB or SSN over the phone. There obviously is another way and the fact I took about an hour or more away from work to handle this when it could have been done during the first phone call is unfair, rude and excessive.
Consumer complaint received 2021-05-17
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. (TX)

On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!
Consumer complaint received 2022-04-12
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 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. 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 XXXX i made this clear for XXXX  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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-12
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. (MI)

Hi I am submitting this XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Between XXXX and XXXX of XXXX my credit score by TransUnion dropped XXXX points from XXXX to XXXX with no explanation as to why. I requested a credit report from TransUnion, however there was no items on the report that would explain a XXXX point drop in credit. I called TransUnion and spoke with a customer service representative who stated they could not find a reason for the credit loss. They further stated that in order to help me I would need to pay them a fee for my credit score ( which I already have ). They would not help me further.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (FL)

I am writing about a situation that occurred when two leased cars from XXXX XXXX in XXXX XXXX Florida XX/XX/XXXX. The leasing company is Volvo Financial XXXX XXXX XXXX XXXX, AL XXXX. This was in the middle of the pandemic and things were locked down and the dealer agreed to deliver two new XXXX cars to me and at the same time pickup the two XXXX models that were due to be returned on the lease. My XXXX cars were paid monthly via autopay draft from my bank account. After getting the XXXX cars I later found out that one payment in the amount of {$340.00} was auto drafted from my bank account by Volvo Financial in error. I contacted them soon after and they advised me that the ( one car ) was returned on XX/XX/XXXX according to their paperwork and not XXXX which is when the dealer XXXX XXXX in XXXX XXXX FL picked up the car. I did email the dealer/salesman at the dealership and never heard back. As my current leases became due I was called by Volvo to see if I would continue to do business with them. I advised them of this issue. They told me ( XXXX ) on XX/XX/XXXX at XXXX EST that they would do nothing about this. I asked them why could they not confirm this with the dealer and they acted as if there was no relationship there between the two parties. I advised the dealer and the GM doesnt want to address this issue.
Consumer complaint received 2022-04-12
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. (TX)

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 my Bank of America card was charged in XXXX separate transactions, one for {$110.00} and one for {$59.00}. These charges were for a company called XXXX XXXX, which I had never heard of before. I had a third charge I did not authorize, this one for XXXX XXXX for {$35.00}. I reported these fraudulent charges to Bank of America and they recognized the charge for {$35.00} as fraudulent but disputed that the two charges for XXXX XXXX were fraudulent. I have told them I did not authorize these charges or ever order anything from this company but they are adamant that I received products from this company. I did receive several bottles of vitamins or diet supplements but they are not a product that I ever ordered. I contacted XXXX XXXX to see if they had any record of me as a customer and they said they had heard from many other people that a similar chain of events had happened to them, that they'd charged by a third party and shipped supplements they did not order, and their cards were charged through XXXX XXXX. XXXX XXXX itself seems to be a victim of corporate identity theft with a third party scammer using them and sending actual items to some consumer victims. To date Bank of America has not refunded these charges because the scammers were able to show that they shipped me a product, never mind that I never ordered the items and that the price charged is much higher than their actual value. I have filed a police report and am filing a complaint with the CFPB on the advice of the person at XXXX XXXX that I spoke to. Bank of America originally recognized my fraud and refunded the charges but later reversed their decision and re-placed the charges on my card.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Franklin Collection Service, Inc. (NC)

I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. 

I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. 

I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. 

Can anything be done to help me get this repaired. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-05-17
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: U.S. BANCORP (MN)

I have been working with a debt consolidation company and paid off a negotiated settlement with XXXX XXXX and U.S Bank. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

In XXXX, XXXX, XXXX and XXXX I repeatedly requested a payoff sheet and a statement from flagship credit acceptance. I have spoke to managers and staff alike and nobody can figure out why I can get the repo threat letter but no statements or any contracts that flagship received from XXXX. I wanted to confirm they had all of my documents and they refuse to produce all the documents they received from XXXX XXXX or even whatever ever documents are in my files. Nobody has been able to help me.
Consumer complaint received 2015-12-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 A STATES I HAVE A 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.
Consumer complaint received 2022-04-12
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. (SC)

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

15 U.S.C 1681 section 602 A. States I have the 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 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/2022 I sent Department of EducationXXXX a certified letter disputing XXXX ( XXXX ) loan accounts. 
Amount # XXXX {$5500.00} Amount # XXXX Department Of Education has " No Permissible Purpose ''. Also they have infringed upon my right to privacy as a consumer, which are both federal violations.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

In Accordance with the credit reporting act XXXX Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX