davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I got a 5 year auto loan with XXXX. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central States Recovery, Inc. (KS)

I have disputed this with central states recovery and the school who placed the debt in collection I was enrolled in classes and my classes were not dropped and I were charged the debt agency has not provided any information disclosing my obligations to pay this amount in collections Also the agency still has the account as in open status reporting in my XXXX credit report which this was removed from the other credit reporting agencies This account should be removed from my credit report and I should not owe any obligations to the creditors placing to collect the debt I provided a copy of my credit report from XXXX  were it was on my credit report and it was removed I provided a copy of my report in XXXX  showing the account Is in open staus This account is not in open status XXXX XXXXXXXX is reporting inaccurate information on my credit
Consumer complaint received 2020-06-01
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. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

*****I DO NOT need this to be resolved, I don't want Wells Fargo to contact me. I just read the XXXX XXXX XXXXXXXX article, and thought I should share my experience as well. I don't want any contact unless Wells Fargo is offering me monetary compensation for the way they treated me. 

Wells Fargo informed me on XX/XX/XXXX, that they will be closing my account due to " fraud. '' I have had no prior notice that my account is being investigated for fraud or has any suspicious activities. 

I am a college student, and I use my bank account to pay tuition and for other living expenses XXXX food, subway fare, school supplies, etc ). I never even bought alcohol with my cards, so I don't understand why they closed my account due to " fraud. '' The only thing remotely suspicious is that my mom just wired me some money for me to pay my tuition, but that's about it. Another reason why is perhaps my mother is XXXX, but she has lived in America since XXXX, and I don't know how that constitute as " fraud '' either. 

I am now banking with a different bank, who informed me that Wells Fargo closing my account is purely their fault, and they would be happy to have me as a customer.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Equifax, XXXX  and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (MS)

I went to website to check balance and it started fraud/suspended can't login. So I called the XXXX # multiple times. After being on hold for over an hour each call, someone would answer and say they were transferring me to fraud department ( followed by another wait of an hour ) so I eventually would hang up each call. 
I also call unemployment office. They said it was because I tried to change payment option to direct deposit ( which didn't go through ) so I need to use my card. It's for unemployment in XXXX XXXX XXXX  AND HAVE NOT BEEN ABLE TO USE MY CARD FOR SEVERAL DAYS
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CITIBANK, N.A. (NY)

XXXX said they will contact the XXXX  they want a police report they don't believe me. I sent all documents and they keep scaring me they said they are removing it they don't care if I owe it or not I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

After trying to resolve this issue numerous times with Equifax. I submitted a CFPB complaint # XXXX. In response to the complaint Equifax stated that the disputed account is not listed on my credit report. That is a lie. I have a attached the copy of dispute results that equifax sent me showing the account listed and saying they " verified '' it. I am not sure how this is possible since I provided them with my forbearance letter from XXXX as well as a credit reference letter from XXXX XXXX stating my account has been 0 days delinquent. Equifax has failed to properly investigate at a consumer request, has not corrected inaccurate information despite being provided proof of the inaccuracy, and they made false claims in an official CFPB complaint. I have again attached my forbearance letter, credit reference letter, and my equifax report providing proof of the inaccurate account. All of these things are violation of the FCRA by Equifax.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX account. XXXX XXXX said their client is Portfolio recovery and all payments should be given to XXXX XXXX. 

The account in question ending in XXXX was already disputed to portfolio. A dispute has been sent to XXXX XXXX also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

Portfolio and XXXX XXXX both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on portfolio and XXXX XXXX that it is a credit card. 

Due to these many issues portfolio and XXXX XXXX need to cease collecting efforts as well as delete the trade line for collection on my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (WA)

I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX  verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I informed Synchrony Bank I was fire from job in XXXX but I was still being XXXX. I didn't receive any hearing information such as date or location I just found out now I was to pay a penalty of additional $ XXXX. It just seems like a fraud. 
I agree to pay them {$15.00} for a few month until I find a job but my previous boss told me no one hires a XXXXXXXX XXXX XXXX because XXXX is legalized in the states. 
I was even XXXX XXXX XXXX XXXX XXXX in XXXX which the driver just took off and no lawyer is willing to assist me. However, Federal justice XXXX still rule for the XXXX XXXX. 
The police even told me that no government official are working because everyone 's lazy!
Consumer complaint received 2018-06-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (KS)

I received a letter of collection from Transword Systems INC that My daughters student loan cosigned by me was placed into default by XXXX XXXX XXXXXXXX XXXX, as she did make payments but not the amount they wanted. I received a call on XXXX From XXXX XXXX at Transworld telling me of the status of the loan and that it was due in full. he asked to verify my daughters address and phone which I did not have access to at the time of the call. I called him again on XXXX and was told that since I am the co-signer I am liable for the full amount of {$10000.00} or a settled amount. I asked about making payments. he stated that payments were not allowed. I stated " well I just don't have XXXX in my pocket '' His reply was, you have a home that is not under mortage and other assets so you do have the money. I felt like this was a threat. He also said he would not deal with my daughter as when he called her she said he had the wrong number. He told me I should pay the loan with a 0 % interest credit card. On XXXX my daughter called talked to XXXX, inquiring about making payments, and was told payments were not an option. On XXXX I called and spoke to XXXX again and asked him why payments were not an option, I was told if it was a federal student loan payments would be optional but are not with a private student loan. He did also say you and or your daughter can make all the payments you want but it will not stop negative action from being taken against you. On XXXX I spoke again with XXXX, he offered a settled amount of {$7900.00} which I could not do. I also asked for a copy of the original judgement which I never received. I called again on XXXX and spoke to XXXX XXXX, I asked for a copy of payment options offered by the company or a policy. She told me that no such document existed. I am not disputing the amount owed, just the collection method. I will have to say that XXXX was always polite on the phone but XXXX XXXX and XXXX XXXX were rude and hateful.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/year> This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Equifax credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.
Consumer complaint received 2018-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TN)

XX/XX/XXXX I was admitted to the Emergency room at a XXXX Hospital in XXXX, TN. My bills were submitted to my then health insurance company, XXXX XXXX. All my bills were paid in full as I had already met my deductible. I also received a letter from XXXX XXXX stating the doctor, XXXX XXXX, has billed way more than normal, and I should NOT pay anything outside of what was negotiated with insurance. XXXX XXXX also outsourced this claim amount to a company called XXXX to acknowledge the amount billed was far more than normal for my standard treatment at the ER. I was seen, treated, and released the same day. The doctor, through XXXX XXXX XXXX, XXXX, sent me one bill with the amount insurance didnt cover. I again called my insurance company to see about this. I was instructed again that this matter and bill was settled and do not pay. Then XXXX XXXX told me they would contact the doctor and XXXX XXXX about this matter. Then came several calls and letters that this bill had been sent to XXXX XXXX XXXX collections agency. The amount was owed was {$1200.00}. I once again called my insurance company and was instructed to fax copies of the bill over to them and that this would solve the matter. I faxed this XX/XX/XXXX. Afterwards, I received a letter dated XX/XX/XXXX that XXXX XXXX XXXX XXXX acknowledged receipt of my dispute ( per my insurance company ), and that they ( XXXX  ) were not credit reporting this account. They also stated they were no longer going to put forth collection efforts due to not enough sufficient information for the account, and returned the account to the original Current Creditor ( listed as XXXX XXXXXXXX, XXXX ). Today, XX/XX/XXXX, I have received a notice that my credit has gone down several points due to an open unpaid debt in the amount of {$1200.00} has been turned over to the XXXX XXXX XXXX XXXXXXXX out of XXXX, TX as of XX/XX/XXXX. This is the first I have heard of this. So, now it seems I am being sued for an amount that I do not owe and have tried repeatedly to resolve. This doctor XXXX through XXXX has seemingly billed my insurance company as of then ( XXXX XXXX ) twice and has received payment. However, he will not let this matter rest.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (PA)

At what point in time will CPA enforce action against Marcus Bank? On XXXX I filed a complaint XXXX as I received an email from Marcus Bank informing me that I needed to contact them. I did so and previously provided all RECORDED phone conversation with times/dates, etc to you. After being transferred from one confused Marcus employee to the next, the conversation ( last ) ended with a woman named XXXX code : XXXX ... she indicated that a Manager would most definitely call me on my cell number : XXXX XXXX XXXX within 3-5 business day... Well today is XX/XX/year> and rest assured and make NO mistake about it ... .I carry my cell phone with me always ... NO ONE from Marcus Bank ever contacted me as committed on a recorded line about this " issue '' that I am left in complete " limbo '' about... I have NO idea what the problem is and what the reason is that I got such an email stating I needed to contact them right away on XXXX. It is well over 3-5 business day ... Meanwhile, get this : Yesterday, XXXX I received a generic letter from Marcus. Unsigned, and referenced NO account number ... The letter said, " in response to my recent inquiry '' enclosed are the documents I reequested.. Affadavidt of Identity. Number 1... .at NO time, did I ever request any document from Marcus Bank # 2 ... ..all that I was waiting for was a simple promised phone call from a manager telling me the reason I got an email on XXXX stating to contact them right away. This bank ( Marcus Bank ) has displayed a pattern of utmost " insanity '' " confusion '' " incompetence '' and " poor bank records '' and " incompetent employees ''. Their MUST be some form of enforcement action from your agency. I am the consumer!! Please also refer to the complaints filed at the end of last year! Look at the horrendous mistakes they made on my prior complaints. I am asking that this problem be resolved and that I am informed " what the problem is '' " what account '' and " why '' I recd a letter alleging I asked for documents. Again, all phone calls can easily be pulled and listened to to prove my case! Pure insanity at this bank to say the least!
Consumer complaint received 2024-08-21
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. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this it not mine inreporte to the police ..please removed from my credit report