davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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. (FL)

Equifax has no credit history on file for me, yet I have over four ( 4 ) years of established credit activity with multiple credit cards, student loans, and soon-to-be utilities and a lease in my own name. The other credit bureaus -- XXXX and XXXX -- have verifiable credit history with me. I called my credit card companies and student loan servicer asking the same question : " Do you report to all three credit bureaus in the United States? Including Equifax? '' All of them gave an affirmative response to those questions. All of them ensured me they even sent the reports just last month. <P/>I have been calling Equifax for the past four months on fixing my credit report, as it is now impairing my ability to open utility accounts and the like. I have now faxed and snail-mailed a copy of my social security card and license seven times and waited the appropriate amount of time. Each time I call, well over twenty times on separate dates at the current date ( XX/XX/17 ), the files are never found nor are they processed in the time frame I am told. A fax takes 48 hours to process and a snail-mail correspondence takes 5 business days. <P/>I need this problem fixed and my credit history to be rightfully straightened out.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

I sent wire to coinbase for {$1500.00} on XX/XX/2021 as per policy this will reflect to my a/c in 1 day they are ignoring email ticket # XXXX please help
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-13
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. (CT)

In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 2021-08-07
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: JDJ Investments, INC. (LA)

I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD
Consumer complaint received 2017-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these accounts.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I have had to close multiple Synchrony Bank accounts for problems making payments. I had to close my Sams Club card and Old Navy bank. I make payments through my bank account and with the correct account number. The checks are cashed and then not credited to my account.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services (MD)

My mother sent me a text message at XXXX XXXX on XXXXXX2017 giving me a company name and phone number saying they were asking for me. She told the person her cell phone number was not mine and the gentleman called my mother a XXXX. She sent me the company name and 2 phone numbers XXXX and XXXX. I called them immediately and spoke with XXXX, she informed me I had until XXXX XXXX that evening to pay it or they would file paperwork at the court and that I would have collection fees added to my balance. I asked for an email copy of my account which was sent to me. XXXX said that no phone call was made to mother that day. We went over my account contact numbers and removed my mother 's cell phone and my father 's home number while on the phone together. 

Today around XXXX XXXX called my work and stated to my co-worker XXXX she needed our fax number to send over garnishment paperwork. There was no mention of my work number while on the phone yesterday when I spoke with XXXX. I am not allowed to take personal phone calls at work on my cell or work number. I have never received any paperwork from this company before yesterday. 

They are rude and threatening. It should n't be allowed. I am willing to clear up my debt but I am not going to be harassed or lied to.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Fraudulent, inaccurate, and false information has appeared on my consumer credit report, specifically hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.Maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : [ Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX After Loan Consolidation Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of closed student loan accounts by XXXX on my credit reports. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that furnishers of credit information maintain accurate and fair reporting practices.

Summary of the Issue : I had two student loan accounts with XXXX under account numbers XXXX ( balance : {$20000.00} ) and XXXX ( balance : {$12000.00} ). Both accounts were consolidated and transferred to XXXX ( Department of EducationXXXX ). As a result, these two accounts with XXXX were closed upon consolidation. 

However, both of these accounts with Dept of ED XXXX XXXX are still inaccurately reporting open balances on my credit report, despite the consolidation and transfer of the loans. This erroneous reporting is misleading, negatively affecting my creditworthiness, and causing significant confusion. 

Violations : XXXX is in violation of the FCRA by : Failing to update and ensure the accuracy of the information furnished to credit reporting agencies. 
Incorrectly reporting these closed accounts as still open and carrying balances, when the debts have been consolidated and transferred to XXXX. 
Harm Caused : The inaccurate reporting by XXXX has damaged my credit score and caused difficulty in obtaining new credit. I have also faced undue stress and confusion due to this ongoing misreporting, which should have been corrected promptly after the consolidation was completed. 

Actions Requested : I request that the CFPB take the following actions : Investigate Nelnets inaccurate reporting practices and hold them accountable for failing to update my credit report after the loan consolidation. 
Require XXXX to fully delete these accounts from my credit report since they no longer have any active involvement in these loans. 
Ensure that XXXX complies with all provisions of the FCRA and provides accurate, up-to-date information to credit reporting agencies. 
If it is found that XXXX willfully or negligently violated the FCRA or any other relevant federal statutes, I request that the CFPB take appropriate corrective actions, including fines or any other penalties as deemed necessary. 

Thank you for your time and consideration in resolving this matter. I trust that the CFPB will take the necessary actions to ensure that XXXX corrects their inaccurate reporting and complies with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with  overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.
Consumer complaint received 2024-10-13
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-14
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. (PA)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act.
Called TransUnion and representative hung phone up on me.
Consumer complaint received 2024-10-12
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. (FL)

I DID NOT AUTHORIZE THESE ENTRY INQUIRIES TO BE PUT ON MY CREDIT REPORT PLEASE REMOVE THESE INQUIRIES BELOW FROM MY CREDIT REPORT. 



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