davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX has failed to do this.
Consumer complaint received 2023-05-18
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. (CA)

My XXXXt loan was transferred from XXXX XXXX to the XXXX Department of Education XXXX My loans were only shown on my credit report with XXXX XXXX as 2 accounts. Now XXXX Dept of Education is showing every single disbursement I had for school totaling 17 new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. XXXX XXXX told me my loans were consolidated and now here come XXXX saying they arent consolidated. Why are they showing 17 new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek XXXX due to their inaccurate and lieing to the credit bureaus. I am now suffering XXXX and XXXX XXXX due to XXXX XXXX XXXX XXXX and now have to seek medical attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Im getting a debt saying i owe {$100.00} as of XX/XX/XXXX from XXXX parks when i have autopay every month of {$70.00}. I dont owe any debt and have not signed up for anything extra
Consumer complaint received 2023-05-17
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 (MA)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said Company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer. The consumer is now requesting XXXX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with Consumer wet ink signature. Consumer is Not asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized, it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. I WILL be filing form 211 treasury CMB forms to audit consumers account. XXXX is securitizing consumers data yet refuses to provide consumers with a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-05-17
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. (MD)

I submitted a dispute to Transunion. The dispute report returned with deleted reporting for an account I paid on time and not issues. The amount from the same company was incorrect. Yet, they deleted the GOOD reporting information. On the same report, derogatory information being reported was incorrect it remained on the report.
Consumer complaint received 2023-05-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MD)

I have two complaints filed against Ally. The amount they are stating I owe is incorrect. In their reply XXXX. The payment history does not show the car as being total loss as XX/XX/XXXX or XX/XX/XXXX. The dates the car was damaged and entered as a total loss and the GAP insurance payment made towards the {$12000.00} balance. The amount paid was {$4000.00}. There was over 6 months before {$1000.00}. of this gap total loss payment was applied. At the time ( XX/XX/XXXX ) the account was charged off the amount due was {$10000.00}. Yet, if the {$4000.00} ( GAP TOTAL LOSS PAYMENT ) would have been applied at the time the payment was made the balance due would have been less than XXXX. 
CFPB *** At the time Ally 's reply I did not have knowledge of amount, or the payment made on the account.
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is continuing to report an account with XXXX as a charged off account after they issues a XXXX which cancelled/forgave/paid the debt therefore should n't be reported on my XXXX credit file in violation of under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 15 USC 1692e ( 2 ) ( A ). falsely representing the legal status of the alleged debt. A XXXX was issued XXXX XXXX, XXXX cancelling the debt, therefore reporting it should 've been removed within 30 days of issuing the XXXX. Capital One issued a letter dated XXXX/XXXX/XXXX signed by XXXX XXXX to contact them at XXXX if we needed assistance but the Rep for Capital Once ( XXXX Rep # XXXX ) placed me on hold as she researched the account and then comes back and tells me she cant discuss the account over the phone and that she needed my phone for someone to contact me back sometime next week ( I have it recorded and notified her and the previous rep that the call was being recorded ). I notified her that it was a Federal violation to continue to report an account with XXXX after the account was paid/cancelled by the XXXX and she stated that they have the right to report it to the IRS, I replied to her that I know it has to be reported to them and that by Capital One filing a XXXX they discharged/Cancelled the debt to they were violating FDCPA by reporting this account to XXXX a reporting agency.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned
Consumer complaint received 2023-05-17
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED XXXX XXXX XXXX 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I sent {$10000.00} to Coinbase from my XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX, XXXX. Federal Wire Reference #  XXXX They relayed the " name did not match my account '' - my name is XXXX XXXX. 

Ok, that 's understandable. They said they 're wiring the $ back to my account on XX/XX/XXXX. It 's now XX/XX/XXXX & I have yet to see it. Wire transfers are instant, there is no excuse.
To add insult to injury, I wired another {$10000.00} to from my personal account to them last night & my bank confirmed they received. They have yet to receive. It is XX/XX/XXXX.
Fed Wire Reference # XXXX They advertise it as being " instant '' funding. What a joke. So disappointed, where is my XXXX COINBASE!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (OH)

For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.
Consumer complaint received 2016-06-28
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (TX)

I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION (OH)

I re-financed my mortgage. There was over {$2600.00} in escrow. I have called Chemical Bank several times and they ca n't tell me when I am going to get my escrow money back. It has been over 30 days. When I called today they said " the girl has a stack on her desk and has n't been able to get to them ''. She is working on it. I asked for a date and they said they hope soon. This is unacceptable.
Consumer complaint received 2016-06-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was going thru a hardship and XXXX  XXXX took my payment i cleared my negative balance and they were suppose to activate my account again when i got a new card a week went by never received a card and when i called XXXX XXXX they said my account was closed as a charge off i burst out in tears i remember i was in the grocery store i kept getting transferred and some one in upper management would call me back. I never received a call back all i kept getting was treating messages from a debt collector and they were calling my job they wanted to settle they been testing me XXXX daily on my phone they reported it and it keeps getting reported then i was told please contact XXXX XXXX XXXX XXXX PLEASE HAVE THEM DELETE IT OFF MY CREDIT REPORT XXXX
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc (TX)

I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.