davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (CA)

So I have a balance on one of my credit card, and I have been paying it down which is increasing my credit score. Last month, the month of XXXX, my XXXX XXXX XXXX to XXXX points, which is excellent. Yesterday, XX/XX/XXXX, I received a notification that my XXXX XXXX from transunion decreased XXXX points. I didn't apply for any loans, credit cards, miss payments etc because I know those things decreased credit scores. Plus, the other two credit Bureau which is XXXX and XXXX didn't decreased my score. I checked the reason why my credit score decreased, it states that a balance on my auto loan has been decreased. The name of that loan is ( XXXX XXXX XXXX XXXX XXXX ). I expected the balance to be decreased, because I make my sure that every month my car loan is paid on time. So I think there has to be an error or glitch on transunion side that makes my credit score fall for no good reason. I also think it's very unacceptable to decreased someone score for no good reasons.
Consumer complaint received 2017-04-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.
Consumer complaint received 2023-06-02
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)

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/year> I notice the following collections placed on my credit reports under various names A collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXX and XXXX XXXX XXXX. 
i speak to a representative from the company and request they remove the collections on a call received from XXXX they hangup. i do no business with this company. this is fraud. 
i want them removed at once.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have done business with american express, and the reason doing business with them was they service that they offer specially when it comes to charge that was unauthorized or a service that you were not satisfied they go a notch above and take care of the problem for you. obviously this was all nothing but lies to consumers and i am a perfect example to bring this to their attention that the same thing does not happen to anybody else. I signed with a company that they advertise money back guaranteed if you are not happy with their service ( XXXX tax relief ). I signed with ( XXXX tax relief ) and had it charged to my american express credit card and after two months i contacted ( XXXX tax relief ) and cancelled my services because they give me not even one true answer also contacted american express and told them about what just happened to me. the person on the phone was very nice and told me they are going to take care of this matter for me and i do not have to pay any of the charges to ( XXXX tax relief ) and i get my account credited. and i told my husband and all of my friends how great of service i got doing business with american express. two weeks after i looked at my statement and noticed that all the charges are back on my credit card also they let ( XXXX tax relief ) to charge few more payments to my account. afterwards i talked to a supervisor at american express and they were so rude and closed my account and told me i am obligated to pay their balance. until earlier today when i told a friend of mine and he told me i should make a complaint on this site and that is what i am doing now.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

We had storm damage from falling trees on our property. The insurance company paid the claim with a check to us and the mortgage servicing company -- Fay Servicing. Fay demanded that we endorse the check to them and that they will dole out the funds. We found a contractor to remove the trees but Fay sent us a check for only 1/3 of the total claim ( there are other tasks to repair our property after the trees are removed ) payable to both the tree contractor and us. The contractor will not do the work without the guarantee that that they will be paid when the work is done and indicates that they have had difficulty with collecting from mortgage companies and insists that we guarantee payment if the mortgage company does not pay in 30 days. The mortgage company will not guarantee that they will do that.
Consumer complaint received 2024-11-02
Product: Credit reporting 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. (NY)

I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-04-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (OH)

I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported debt.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK (MN)

I urgently need XXXX to remove a Discover account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to discover who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but XXXX has still not removed. I spoke to XXXX on the phone they told me I needed to reach out to discover in order to have removed quickly, I called discover discover says they need to have a dispute from XXXX in order to remove. Both are waiting in the other and I need those removed immediately. Discover says no dispute has been entered from XXXX. However when I call XXXX, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.
Consumer complaint received 2023-06-02
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. (GA)

It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared it.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

Diversified Consultation has been harassing me about a debt with XXXX XXXX that I do not owe. I have made numerous attempts including speaking with customer service to resolve the issue. At no time have I signed a contract with XXXX XXXX. Diversified has not been any help with resolving the issues, neither are they able to provide me with any legal documentation holding me accountable for the bill.
Consumer complaint received 2018-08-19
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: Insikt, Inc. (CA)

These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is 18.95!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX Please make these XXXX, yes all XXXX bureaus, make things right for people who only have their credit to rely on, working their single butts off, paying ungodly amounts for rent, who pay their bills, etc.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was denied credit due to " unable to answer with correct security questions '' Neiman Marcus has denied me credit for being UNABLE to verify my identity and has put an inquiry on my XXXX credit report. I am asking that NEIMAN MARCUS follow the proper protocols by verifying that it was indeed me applying for credit or to REMOVE inquiry off my my XXXX credit report since they can not verify that it was me who requested credit. It is against the FAIR CREDIT ACT and I will utilize my rights. Application ID is XXXX
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I received a car loan from Santander for a little over $ {$10000.00} on XX/XX/XXXX, 2014. After the second year I decided to refinance because I noticed my loan amount would not change. Before refinancing I had paid Santander {$7000.00} and only {$2000.00} went towards the principle on my loan. Before contacting an attorney I would like offer Santander the chance to explain how this is possible and how it is legal to charge a customer {$5000.00} in fees which is half the amount of the loan.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.