davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My credit score dropped drastically for no reason. I have e-mailed them and their response was that they would look into it and get back with me which they did not and I have e-mailed them since asking why. No response and crickets with nothing and no answer. My income has not changed, all payments made on time and no more debt, even auto loan paid off with excellent payment record on all cc and autos. Home paid for and really very low debt load. less than XXXX. The credit reporting agency is Experian and my score was XXXX then dropped to mid 700s for no reason.
Consumer complaint received 2019-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC (TX)

I cancelled a loan in XX/XX/XXXX. I am to receive a full refund of {$5100.00} of money that I paid in to them. I have been going back and forth with this company and they say theyve mailed a check but now their corporate office is not sure if the check is mailed or not. They keep telling me to wait 7-10 business days and call back if I havent received. I was recently told it was mailed on XXXX and as I called today XXXX and spoken to a representative theyve asked me to wait another 7-10 business days and to call them again. This is money owed to me and its getting increasingly frustrating as I get disconnected multiple times only to reach someone who is not entirely sure as to whats going on. The companys name is Health Credit Services. I am reaching out here in hopes that there might be a resolution.
Consumer complaint received 2018-08-31
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. (GA)

On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the XXXX XXXX XXXX, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
Consumer complaint received 2021-03-08
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. (FL)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

False addresses: XXXX XXXX XXXX XXXX XXXX,ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX,ca XXXX 

Inaccurate employer delete please!!! It says XXXX ??
Consumer complaint received 2019-05-02
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: World Omni Financial Corp. (FL)

I have been trying to reach XXXX XXXX XXXX to settle a dispute regarding end of lease dispostion fees. I paid entire lease terms on time for 3 years tco insure my credit would remain in good standing despire ongoing issues with leased car.. I now receive letter and phone calls stating they are going to put dispostion fee in collections.. The call i received on XX/XX/XXXX regarding this did not state the persons name whom to call back only a number that she rattled off so quickly i was unable to understand it. that number was XXXX-XXXX-XXXX? and extension XXXX? I have tried several times to call with no sucess.. I have tried many number. .. the letter states to log on to account for info. .. My account is no longer active a i fulfilled my .3 year term with XXXX XXXX..I a had to file a civil suit against dealership to settle matter of faulty tires after spending XXXX dollar on new tires for car with only XXXX miles on it as XXXX would not take any reponsibility.. I did not receive this bill until XXXX and lease car was returned XX/XX/XXXX in perfect condition.. way under alotted miles.. I have been trying to reach XXXX XXXX  since receiving this letter and am on hold with no resolve.. Any concerns in past were not addressed and now they are going to ruin my very good credit due to there not ever addressing issues.. I just want this behind me. The entire ordeal has been extremely stressful and has taken a great toll on my health..
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JMD,LLC (FL)

On XX/XX/XXXX, High Desert Creditors Service reported a collection account on my XXXX credit bureau file in the amount of {$190.00} for XXXX XXXX Department. The date of the account is XX/XX/XXXX. I have NEVER been contacted by anyone at XXXX XXXX Department or High Desert Creditors Service by phone or mail. This is not my debt. I have NEVER been to XXXX, CA at any point in my life. Additionally, I am a resident of Florida. High Desert Creditors Service does not have a Florida collection agency license as required by Florida law ( See Attached ).
Consumer complaint received 2019-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried numerous time to have two hard inquiries not authorized. One is with Capital One credit card offer sent in the mail. I already have a Capital One credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves XXXX XXXX pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CONVERGENT OUTSOURCING INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CONVERGENT OUTSOURCING INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CONVERGENT OUTSOURCING INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CONVERGENT OUTSOURCING INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CONVERGENT OUTSOURCING INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On Wed XX/XX/XXXX, XXXX XXXX initiated a payment from his Citizens Bank to XXXX XXXX 's XXXX Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the XXXX Account was missing ONE DIGIT. As soon as we realized the problem, we called Citizens and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted XXXX XXXX  and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first XXXX offered to assist us but then called informing us that there was absolutely nothing they could do. XXXX would not re-route or transfer the money to the original or correct account! XXXX would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. XXXX claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if XXXX had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted Citizens Bank multiple times. Citizens Bank would not even try to assist us like XXXX did. 

Citizens and XXXX XXXX BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

XXXX XXXX Bad Account ( missing the XXXX ' ) AN XXXX RN XXXX XXXX XXXX Good Account AN XXXX RN XXXX Citizens AN XXXX RN XXXX
Consumer complaint received 2019-09-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.
Consumer complaint received 2019-09-25
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: Receivables Performance Management, LLC (CA)

RECEIVABLES PERFORMANC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$1400.00} balance however I do not have knowledge of signing an agreement with terms and conditions with RECEIVABLES PERFORMANC. 

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

In summary RECEIVABLES PERFORMANC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state. 

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
Consumer complaint received 2019-09-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, Experian, and XXXX.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.
Consumer complaint received 2019-04-02
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. (MA)

On XX/XX/XXXX and on XX/XX/XXXX XXXX ran an unauthorized check of my credit report. My cellphone is registered through my company and somehow they ran credit inquiries without my authorization. 

XXXX XX/XX/XXXX Utilities And Fuel XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX Utilities And Fuel XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am a customer oof Bank of America for 34 years. They have a program re ATM Overdraft Services where you can sometimes take out more than is in your account at the ATM. They tell you before hand that there is a {$35.00} fee which you must agree to. A couple of years ago or so they would debit my account {$35.00} every 5 days, which amounted to a lot of money. I was not informed of that ahead of time. I did call customer service at one point and I was told that was the rule, but for some unknown reason, they now only charge the one fee that you are informed of. I'de like to know what happened to all those {$35.00} fees that were taken from my account. There were many. Thank you.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC (NJ)

On XX/XX/19 at XXXX I received an automated call from XXXX stating " we have been attempting to reach you in regards to a legally required notice placed in our office for you. Please contact us back at XXXX. '' When I called back the person did not identify herself but the company name is Atlantic Recovery Services and stated that they were attempting to collect on a debt from XXXX on behalf of XXXX. I asked her to send me information regarding the debt she stated " it has gone past the notification process. '' I informed her that legally they need to send the information so that I can verify the debt but she continued to do so. At that point, I told her that if they were not going to follow the law that they should stop calling me. I don't know who XXXX is or why they would have another company calling to collect a debt that didn't originate with them. In XX/XX/XXXX I received a similar call from XXXX XXXX at XXXX saying that they were also calling on behalf of XXXX for a debt with XXXX. That time they also refused to send information on the debt and threatened to send a Sheriff 's officer to my home the following day.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (OK)

I have tried since XXXX to close my savings account and Arvest Bank keeps charging and refunding XXXX service fee without closing my account. I do not understand. IT is at a XXXX balance now, ask to close it and still have it open????? 

Then I wanted to close my checking account because of excessive over draft fees being charged, some I was responsible but some I was not, my direct deposits were being credited after there charges for the same day as my deposit went in. Finally, just wanted to close, got tired of fighting with them. 

I withdrew all of my money on XXXX leaving enough to cover insurance payment coming out. Withdrew XXXX leaving XXXX which would have taken me to zero balance. On XXXX the insurance payment came through, I assumed they would close my account. On XX/XX/XXXX a XXXX charge from XXXX came through. I was charged XXXX over draft fee on XX/XX/XXXX. I disputed this charge and was refunded XXXX????? bringing my balance down from XXXX to XXXX. I have repeatedly disputed this charge. First old I made it in XXXX XXXX, which I live and work in XXXX OK was not in XXXX nor did I go to XXXX, then I was told I used my card in a XXXX XXXX, no I did not. I was told to " prove it ''. I am not paying this. It has become ridiculous and frustrating. Every time I call I get a different person with a different answer or excuse if you will. Can anyone please assist me in this matter? I feel they need to be investigated for excessive over draft fees they charge as well as these unauthorized charges not made by the customer. I assure you through this ordeal I have learned of several others who have had similar and worse issues. THANK YOU IN ADVANCE for any assistance you can give. I just want to close my account.