davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

I've been a Nordstrom client for years. Earlier this year I had a medical procedure which had me XXXX  in a hospital, which caused XXXX and XXXX  XXXX. Due to my condition, my dad was entrusted with handling my finances. Unfortunately, to make the Nordstrom payment, he input the wrong checking account, which was my XXXX checking account, which didn't have sufficient funds to cover the payment, whereas he was to use my XXXX XXXX account, which did have sufficient funds to make the payment. Due to this I incurred a late payment, even though my active bank account at XXXX XXXX had over {$20000.00} at the time to make the payment. 
I had spoken to and forwarded proof of the funds and proof of my medical problems to Nordstrom, and asked that they remove the late payments. But they refused to make any such concessions, despite the fact that I was severely XXXX  and had sufficient funds to pay.
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (OH)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO BANK is involved in security fraud. Ive submitted a multiple security exchange or negotiable instrument in order to discharge the account, the bank deposit the security in to the treasury department and create a fake account under my name without my knowledge and listed the bank as the beneficiary of the account.theyve keeping the funds and refusing to credit my account. They waited until I went I vacation sent a third party to steal my private property and forced me to send them more money on top of the funds that were in the bank bookkeeping. 
This scam has been going on for quite sometime, it is thief and crime against humanity and violation against the law. It is time for Wells Fargo bank to shut down.
Consumer complaint received 2019-05-20
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)

XXXX and Transunion are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number ****XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion Refuse to do a proper investigation of inaccurate accounts on my credit report. Disputes have came back verified, which I know for a fact is inaccurate. I asked Transunion the following RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, Trans union refused to send me any data to help with my investigation. So I believe Transunion is in the business of furnishing fraudulent information, because of the lack of following the law.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom it May Concern ; I filed a Chapter XXXX in XXXX of XXXX. I had purchased a 2010 XXXX XXXX, through XXXX XXXX XXXX. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is XXXX XXXX XXXX filed this with Experian, and will not get it corrected. We sent them a certified letter on XXXX, XXXX, explaining we felt that this was a violation with the FCRA. They responded on XXXX, XXXX, XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through XXXX XXXX XXXX. 

Kind regards,
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (TN)

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually this needs to be coded as an M1. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On or before XX/XX/XXXX XXXX XXXX XXXX offered free Credit Report Statements in connection with a XXXX XXXX XXXX.

I signed up and noted the online form would not accept my PO Box as mailing address, saying it required a street address. We have no mail delivery in this rural area.

I called XXXX and thought the account access problem was solved.

It was not.

I have repeatedly tried to sign-in and gotten messages indicating the password is incorrect. When I use the password recovery procedure with social security and XXXX  account number, it consistently returns the same message : " Please try again later.

This is a temporary issue, so it should work again in 30 to 60 minutes. If youre still having trouble, please give us a call.

TransUnion powers XXXX XXXX XXXX, and you can contact their customer service representatives Monday through Friday, from XXXX XXXX XXXX XXXX XXXX ET at XXXX. '' Apparently XXXX contracted with TransUnion to provide the free credit check report service.

Calling that number resulted in some of the poorest customer service experience ever received.

The first person who answered for TransUnion did not give her name on XX/XX/XXXX at XXXX XXXX. When repeatedly asked for her name she said spoke in an accent I could not understand. I asked her to spell her name and she hesitated. It turned out to be 'XXXX '. When I told her I was calling to recover access to XXXX XXXX XXXX, she put me on hold for 8 minutes with annoying music and no option to cancel it.

Then 'XXXX ' answered with an soft voice and accent that was difficult to understand.

She did not say what company or department she worked for.

XXXX  asked for my name, social security, DOB, Mailing Address to identify me.

When I told her about the mailing address/street address software problem with XXXX XXXX XXXX and TransUnion, she did not know what to say except that she would have to transfer me to someone else. She kept on repeating she was 'Here to help ' and I told her she was not helping, since all I wanted was my account access, not a runaround being repeatedly put on hold. She put me on hold and after 6 minutes of blaring music louder than her voice I hung up.

I seriously wonder if this is the kind of poor service XXXX and TransUnion CEOs XXXX XXXX and XXXX XXXX XXXX want their customers to have.

They are losing valuable relationships, goodwill and business referrals by putting customers through this ordeal without Corporate accountability.

That's why I called XXXX at CFPB to file a complaint and get help making XXXX XXXX XXXX and TransUnion provide the service they promised.

I noted that TransUnion paid {$17.00} M fines and restitution for Credit Report problems they created.

How about it CFPB?

Appreciate your help getting better service.
Consumer complaint received 2019-05-20
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: Experian Information Solutions Inc. (NC)

XXXX ; Experian and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the DP OF EDUC accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (FL)

This is how my phone call went Hi Im calling from waypoint debt collector can I please have your address to verify that youre XXXX XXXX. 
Im sorry what company is this and what are you calling for? I wont give that information to just anybody over the phone. 
Sir I cant explain any more of who we are. 
So I hung up. You guys need to do way better. If I had known it was real I wouldve happily paid off whatever it is. I recently lost my debit card and have a new one. So whoever you are all you need is simply my new info.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance.

Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.
Consumer complaint received 2019-05-19
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: EQUIFAX, INC. (VA)

I have written to XXXX, and Equifax on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my XXXX credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  XXXX dated XX/XX/XXXX, XXXX/XXXX  dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX, XXXX XXXX   dated XX/XX/XXXX. On my Equifax report XXXX XXXX  dated XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.
Consumer complaint received 2019-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have written to TransUnion, and XXXX  on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my Transunion credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX/XXXX dated XX/XX/XXXX, and XXXX  XXXX dated XX/XX/XXXX, XXXX  XXXX  dated XX/XX/XXXX. On my XXXX report XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have not received a response, and I have not been provided with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The item, a credit card open under XXXX XXXX on XX/XX/XXXX and closed on XXXX, XXXX, was an act of fraudulent activity. 
Someone has stolen and used my personal information to commit theft, and charges have been placed under my name. Since I have never had any open account with XXXX, I have never received any bank statement from their branch. However, I received the information from my XXXX XXXX   account stating that I have unpaid fees under the account. Therefore, my credit score has decreased dramatically from excellent to fair status. 
Thus is the only information I have access to. 

Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$200.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$290.00} Highest Balance {$290.00} Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late Date of Last Payment -- Amount Past Due  {$230.00} Times 30/60/90 Days Late XXXX Remarks Canceled by credit grantor
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Student Services (MN)

In XX/XX/2015, I entered into an agreement with a company that promised to help me with my student loan debt. Through their advertisements, our contract and our oral discussions, the company promised to set me up either with favorable student loan repayment terms or a settlement, as well as credit repair. I paid them money up front and then monthly for about two years, but they did absolutely nothing for me. They lied to me and then disappeared. 

The company 's name was XXXX XXXX XXXX. They were registered with the California Secretary of State, but appear to be inactive now. They had an address located at XXXX XXXX XXXX, XXXX XXXX, California, XXXX, and a phone number of XXXX. They also had a website of www.processingservices.org, which is also inactive, but you can find the website historically through the XXXX XXXX. The most recent listed CEO and Manager was XXXX XXXX, who appears to still be running businesses in California. 

The contract is attached and, as you can see, between upfront fees, monthly fees, and account fees, I paid this company about {$3000.00} and they did nothing for me. The company violated multiple provisions of the Credit Repair Organizations Act and committed fraud by scamming me out of this money. When I complained that nothing was happening, they said I had about {$1800.00} left in an escrow account and that they were going to send it to me, but they never did and they have not reimbursed anything I paid to them. Please help me get this money back.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I received a mailing XX/XX/XXXX from Convergent Outsourcing Inc.stating that I owed, XXXX  for Original Creditor XXXX Calling Card Classic. And if paid within 60 days, I only have to pay XXXX. I called and spoke with, XXXX XXXX, XXXX XXXX, and XXXX XXXX, All of which had numerous guesses as to what this was actually regarding but wanted to know all of my financial information and social security number right away. Finally, XXXX XXXX 'guessed ' that this was an old credit card debt from XXXX? I don't nor have I ever had an open credit card, that isn't current and up to date from XXXX. He then said 'oops ' and responded that he will just put in his 'fraud file '. I have never had any accounts associated with calling cards, XXXX classic or credit cards that were delinquent.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Recovery Services, LLC (TN)

The complaints are against XXXXXXXX XXXX, Absolute recovery services, All three credit burueas. XXXX XXXX  in 2018 was paid in full XXXX from XXXX XXXX XXXX for a rental agreement between them and I. At the time I informed them I would soon be having a child so I need to get utilities situated either I add someone to the lease to assist if any problems on my end they denied me putting someone else on lease also they denied keeping them on causing me to bring a child home after being born to a cold house in the winter which cost him to be very XXXX  and me they had no compassion towards me being a XXXX XXXX in assisting me they then I guess sent it over to their collection agency in which whom I reached out to after several times reaching out to all credit burueas in which states they took in my request for dispute while requesting one buruea stated im being charged twice for same amount while other buruea state I'm only being chatted once also the debt agency said they would not help dispute cause I sign lease stating I was only to give them written consent and she could not find in which paragraph it stated I had to amd or I signed an agreement stating I knew of written consent
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (TX)

In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.