davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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. (AZ)

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 XXXX ( 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 2023-07-02
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. (KY)

I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act
Consumer complaint received 2020-12-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (CA)

I have a XXXX XXXX loan with a balance of approx. {$7000.00}, with Wells Fargo Bank. On XX/XX/2020, I authorized a one time wire transfer from my personal checking account with XXXX XXXX  to pay off the loan. Wells Fargo said that the amount due of principal and interest to pay off the loan was {$7200.00}. I authorized that amount and requested that my account be closed when paid off. 
On XXXX XXXX XXXX  statement I noticed that on XXXX XXXXXXXX XXXX {$7200.00} was taken out and {$7000.00} was put back in. I was under the impression that the XXXX XXXX loan was paid off, to my confusion and dismay I still owed over {$7000.00}. Wells Fargo did keep {$270.00}, where and what this was for, I still have no idea. 
On XX/XX/2020, I went into the Wells Fargo branch that I have been a customer of XXXX years and requested that the loan be paid off from my Wells Fargo XXXX account. They were helpful, and did just that., calling the XXXX XXXX department to get an accurate payoff amount to take out of my business account. They took {$7000.00} from my Wells Fargo business account. 
On XX/XX/2020, when I received my Mechanics bank statement, to my dismay, confusion, and distress, I was horrified to see that on XX/XX/2020, Wells Fargo took {$7000.00} from my XXXX  account. With absolutely no authorization or communication from Wells Fargo to let me know they are doing this. This account was supposed to be paid off on XXXXXXXX XXXX XXXX, it wasn't, now Wells Fargo has over {$14000.00} of my money with no explanation as to where and what they are doing with it. I'm not in the business of loaning banks money, I want my money back with interest. 
On XX/XX/XXXX, I went back to Wells Fargo and asked what the heck they were doing. The bank staff were as appalled as I was that this happened, they called Wells Fargo XXXX XXXX XXXX. and found out that the put back in my business account {$7000.00} STILL with NO explanation. 
On XX/XX/2020, I called and talked to " Wells Fargo Customer Care '' the person I talked to said he would get back to me in XXXX hrs. Didn't happen!!! ON XXXX XXXX XXXX, I called again, and once again he said he would get back to me in XXXX hrs. Still waiting!!! 
What if I didn't have the funds to cover all the checks that I wrote, because of Wells Fargo mismanagement??
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (CA)

I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to PayPal , Inc . I have never used a PayPal account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (CA)

I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to XXXX XXXX XXXX XXXX I have never used a XXXX account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Unauthorized transactions were posted to my account between XX/XX/XXXX and XX/XX/XXXX, in the amount of $ XXXX. I never received a card which allows access to this account. Provided you cant know what you dont know, I did not know there were unauthorized transactions on my account, when I became aware I immediately contacted institution regarding the transactions. Money Network alleges I set the PIN, I reiterated I never received the card. 
I am reaching out because the company claims my statement of facts is inconsistent and conflicting, I feel this is vague and complete lie, and also an attempt to shift burden of proof on the individual. My account of events has been consistent and I do not enjoy the tap dancing occurring around my issue.
Consumer complaint received 2021-02-16
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. (NC)

On XX/XX/2020 I sent a letter regarding an unknown account on my credit report. It has been over 60 days and I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) of the FCRA plainly states that failure to investigate items within 30 days gives reason to immediately remove inaccurate items from my credit report. It has been over 60 days so they should be deleted promptly.

I demand these items be deleted immediately or I will be forced to file for litigation due to the stress that has been caused as a result. My information was impacted by the Equifax data breach and ma
y have gotten into the wrongs hands as a result.

I would be greatly appreciative if this manner was handled as soon as possible.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

On XX/XX/2021 I was trying to obtain a quote from XXXX. In order to continue and receive a quote I was required to enter my card information. However, XXXX/XXXX, upon my card information being entered, immediately charged my KeyBank checking for {$390.00}. I then called XXXX to resolve the mistake they had made. However XXXX/XXXX told me they would not refund any of my money and to contact my financial institution. I then called my financial institution, KeyBank, and informed them of what happened. KeyBank opened a dispute, and mailed out paperwork for me to complete on XX/XX/2021. I did not receive that paperwork until XX/XX/2021. I completed the paperwork and mailed it out certified on XX/XX/2021 and also took the paperwork to a KeyBank branch to have it put in the system that way as well. While I was in the midst of doing all this KeyBank closed my dispute saying that the transaction was authorized, when indeed it was not. I called KeyBank to let them know when I received the paperwork and the representative, XXXX XXXX, on the phone even said that the mail is severely delayed. But that the dispute was closed and that there is nothing more that KeyBank will do, and that I am just suppose to be ok with losing {$390.00}.
Consumer complaint received 2024-09-08
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. (GA)

I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
The actions being taken each month affect my credit score, credit report, and creditworthiness.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report. 
According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

This letter is to report XXXX. My identity has been stolen and the person who stole my identity was able to access my XXXX account and unfreeze my credit. I was never able to speak with anyone from XXXX to ensure a fraud alert or reinstate a credit freeze. I am still not able to sign into my account and there is no option to speak with a customer service agent. I do not know if the person who stole my identity is using my credit with this agency and applying for credit as if they are me. I went through two weeks of someone breaking into my accounts by changing the email addresses and passwords- this can even be done over the phone. This is criminal and security is lax with no regard for actually protecting my sensitive information. 

The person who stole my identity was able to access all three of my credit reports, and change my email address by putting in a fake one. They then were able to receive notices for codes to get into my accounts. The two factor authentication security methods and special code words were able to be bypassed by Equifax, XXXX and XXXX. NONE of the three credit reporting agencies were responsible enough to not keep my information safe.

After two weeks and sending in a lot of sensitive information that these three agencies ( Equifax, XXXX and XXXX ) say they are trying to protect, I still feel they have not addressed my concern and they are failing to protect my identity. XXXX is especially at fault because there is not way to speak with an actual human in customer service to report fraud and get extra protection on my account.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I made a payment on my paypal credit account on XX/XX/XXXX for XXXX The payment never posted to my my account. After attemtping multiple times with their customer service to have this resolved, i submitted a complaint on XXXX with CFPB THey responded stating the credit showed up on XXXX. This never happened Upon review of the complaint i received letters from paypal that they found the payment and are adidng it to my account. the complaint was then closed on XX/XX/XXXX they added a " payment correction '' to my account adding the XXXX back onto my account.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank contacted me about a month ago, asking me about my deposits and withdrawals. They said i have high deposits and high withdrawals. Theh asked why and i explained that nothing has changed in my banking activity for the almost 5 years i have had this account. I asked if there was a problem and they said now. Now i received notification that my account is closing in 14 days. With no actual, real, specific or honest reason as to why. I would like them to give me the the reason why they decided to close my account. Generic policy disclosures will not be acceptable.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

On XX/XX/2021 I was contacted via mail by CMRE Financial Services , INC about an alleged debt. I a natural person am being falsely accused to have owed an alleged debt in the amount of {$200.00} to CMRE. I do not have a contract with this corporation nor did I give any consent to them obtaining my information. As a federally protected consumer, I have the right to privacy pursuant to 15 USC 1681A ( 4 ). I contested with this corporation asking for validation of this alleged debt and have not gotten any response. Why would I pay a debt I do not owe? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which I'm the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last 4 digits of credit card is XXXX it is from my XXXX XXXX XXXXXXXX rewards card
Consumer complaint received 2020-11-11
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. (NY)

Experian responded that my complaint is not authorized by me. That is false, and I XXXX XXXX am a victim of identity theft, and I myself am sending this complaint to the CFPB and EXPERIAN, so that i can get help with the fraudulent accounts on my credit report.
Consumer complaint received 2023-04-19
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

There was fraudulent activity made on my credit card. NFCU the banking institution who I got the card through removed the activity. I continued to pay on the card but I noticed they put the debt back on the card. Not only that I won a judgment in court on the card for XXXX. I was going to pay it to NFCU but I saw on my credit report that the monthly payments that I had been making was not posted. I called NFC and tried to get some understanding about the situation and they kept hanging up in my face, even when I called back to get info on making the payments they still hung up in my face. I don't know where my money went that I walked into the NFCU and paid I went to the XXXX, TX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I went the XXXX, Texas location last week. I spoke with the bank XXXX about these issues and she stated that she noticed a jump in the card balance from a lesser amount to a higher amount. She also state that she doesn't know how it happened. I started to take notes on my phone and I repeated everything she was saying as she read it off the computer to me. She noticed me taking notes and asking question so she stop speaking. I asked her for a printout of my transaction history she printed me out a copies of my bank statements and supposedly copies of the credit card transaction. I took the transitions home and I went through them all and there was a lot of information missing from the bank account statements that I used to have there and there was no credit card information printed on any of the statements. Both folders of statements was the same copy of each other over and over again from statements that were months that had nothing to do with what I was looking for. I am totally disgusted at this point.There was a jump from XXXX because that's all that I owed on the card to XXXX to XXXX I was shocked because the XXXX that I was going to pay would have me owing just XXXX. Which I could have paid off with ease. NFCU told me no one could make transactions on the card but the amount continued to increase. My credit report shows past due and no payment. I attached the few times it showed where I made payments but where are the rest of the payments that I made on the card?? They are no where to be found. This is fustrating because it's showing the account 90 days past do and more.
Consumer complaint received 2022-02-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to all three credit bureaus XXXX, Transunion and XXXX by mail regard the inaccuracies of this account. XXXX XXXX XXXX this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and Transunion This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.