davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (AZ)

I have asked Flagship credit acceptance to stop calling me on at least 15 occasions and they continue calling me. I have also requested the text messages to stop and they continued for at least a year. Every time I get a call I ask the to look at their notes and then at that time they apologize and give me an excuse. Their system didnt updated my phone numbers, or that they thought that I just didnt wanted manual calls, or that they didnt saw the notes before calling etc. I know I have a debt with the company but Im Paying it as I can.
Consumer complaint received 2019-05-15
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. (LA)

Transunion was contacted about unauthorized inquiries. The representative told me that they could not be removed unless the creditor gives a letter. I informed the representative that these companies have been contacted and they do not have any information with my name and can not provide me with a letter. The customer service representative stated that these inquiries will remain on my report. I really need someone to investigate this matter. I did not authorize these inquiries. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX    XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$520.00} ; XXXX XXXX  XXXX XXXX XXXX {$5000.00}.
Consumer complaint received 2021-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The requested specific short sale documents were submitted to Specialized Loan Servicing on XXXX and exterior BPO was completed on XXXX. During the process, they requested for additional documents including the ones that were already submitted, so we have to resubmit them. And then on XX/XX/XXXX, they countered the buyer so a value dispute has been requested due to the buyer not accepting the counter of the lender but on XXXX, the lender said that they are going to request for a new value because the current value already expired, so they did not continue to review the file for value dispute. So we waited until the BPO returned on XXXX - they again countered the buyer so the buyer increased but still low compared to their value. So we again resubmitted the documents for the value dispute and while they were reviewing it, they were requesting for documents that were previously sent to them - so again, we resubmitted those and finally the result for the value dispute has returned on XXXX but on XX/XX/XXXX the lender said that the contract was rejected due to some verbiages that we have already submitted to them several times already. So, we again resubmitted the requested docs on XX/XX/XXXX.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (UT)

On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am enforcing my rights required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (NY)

During this time I had my XXXX card, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/11 as my husband is in the XXXX industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (TX)

I was using my card ( XXXX XXXX XXXX ) on XX/XX/2019 for various purchases and at the end of the day overpaid my account to the point now where I have a credit balance of {$10000.00}, which is locked into my account because they closed off my access to the card and I have no means to use the card nor withdraw my money from it. 

I have called them multiple times in the last 2 months with the most recent being today ( XX/XX/2019 ) and all they say is my account is in pending process and they won't know when I will receive notice on my account/credit balance.
Consumer complaint received 2024-03-14
Product: Prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: ADP Inc. (TX)

On XXXX I was looking through myWisely app ( which is connected to my wisely by ADP payroll card ) and noticed they had a rewards program for cash back when you shop at certain retailers. I was suspicious at first of who the eligible retailers were - there was no way for me to tell on the banks site - so I went out to the terms and conditions and read through them and discovered this was a program through a 3rd party company called XXXX. So I went out to the XXXX website to see the retailers they work with I see XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other- retailers I shop with appear on their website so I decide to opt in - feeling somewhat mollified that the terms and conditions also indicate I can opt out by calling customer service. After opting in it turns out the only retailers participating in the program are smaller independent restaurants- no large retail stores as their website misleadingly indicates. So today I attempted to call the customer service line to opt out- my first call was early in the morning and my call is not able to be escalated because the guy who is working overnight doesnt have anyone to escalate to- that office is closed. So I called back later in the day- I verified my information let the rep know I wanted to opt out per the terms and agreement of the program and am advised that it is not possible to do so. I also advised that I wanted to speak with a supervisor and I am put on hold and eventually disconnected without being able to speak with supervisor- though we verified my call back number when we were verifying my information for security purposes. I call back again and have my call escalated right away making sure that if I am disconnected this time I expect a call back- this time I am able to speak to the supervisor XXXX XXXX XXXX - who confirms that they have no way to Opt out of that program. I advise that I dont need a third party company ( XXXX XXXX tracking my spending when their is no benefit to me and apparently the only way to not have them do that now that I have opted in is to quit using my payroll card wisely by ADP . Supervisor confirms. I clearly indicate that I am disappointed that the terms and conditions of the program can not be met as indicated and I would be submitting a report to CFPB.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

Company appeared on my credit report in XXXX even though it says they were trying to collect in XXXX which is incorrect based on monthly reports in addition to not being able to give my account # number since I havent done any business with them their Number doesnt match the company either
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (NC)

I checked my credit report and see where there has been 8 separate Collections/Chargeoff which has negatively impacted my credit score. The dates and amounts are as follows : XX/XX/21 - {$4000.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} To the best of my knowledge, I have not received any communication from RMP Services LLC regarding these collections.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Dear Sir, or Ma'am : I was not fully aware of the fee associated with a check stop-payment. However, I was charged it and I accept that. However, I was then charged an overdraft fee for the fee. I find this to be excessive.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX report was corrected as well. However, now on my experian report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now experian is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX for TD bank calls 4-7 times per day. Sometimes they call before XXXX. Last Friday XXXX they called at XXXX XXXX. Today XX/XX/14 they called my mother who they are not authorized to call at XXXX XXXX. I was on a forbearance plan with TD bank and not suppose to be turned over to collections. I dont not want them to reach out to my employer or family members.
Consumer complaint received 2023-02-07
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, TransUnion XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from TransUnion or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

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

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

I scoured my credit reports from the big XXXX XXXX, XXXX and XXXX, I noticed there was a collection account from Portfolio Recovery Associates, I opened a " file a dispute '' with XXXX the collection account from Portfolio was removed from my report. I have been receiving phone calls from them them for days at all hours of the day. I've asked them to stop but to no avail. Most recent call was today at XXXX XX/XX/14 while Im at work. The most recent phone number from Portfolio was XXXX
Consumer complaint received 2022-12-13
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: TD BANK US HOLDING COMPANY (LA)

FCRA Violation credit card not mine TD BANK XXXXTARGET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 FCRA Violation collections not mine XXXX XXXX A FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (WA)

I had a freeze put on my Equifax credit report and I've been trying to take the freeze off so I could open a bank account with XXXX  XXXX XXXX. 
They put my application through " the bank '' about eight or nine times and it still wasn't unfrozen. I unfroze it online like they asked me to do ( the people at Equifax ) and it still didn't work. 
I'm just wondering why I can't get them to unfreeze my credit report so the bank can look at my credit and give me a new account. This is very frustrating to me personally.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help