davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$27000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
- ACCOUNT- 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OH)

Discover Credit Card company sent promotional materials for 0 % APR interest on balance transfers from existing credit cards. Offer was received late XXXX via promotional mailer from Discover. Respond by XX/XX/2023 - options included online, phone, CHECKS or mobile app. 
On XXXX XXXX my response was to use the checks online to transfer credit card balance from XXXX XXXX. Terms were 12mos at 0 % APR and 3 % promo fee Transfer came through no problem -- I thought, however, received first statement with the balance transfer as a CASH ADVANCE along with a {$75.00} cash advance fee and 28.74 % APR. 
Called Discover in attempt to resolve this issue as it was not my understanding of how the balance transfer was offered on the promo mailer. This was unacceptable. First service rep escalated to a supervisor that person refunded a couple of interest charges then transferred me to a manager for further resolution. He could not reverse the transaction to a balance transfer and that I would have to pay the cash advance off or continue to receive the remaining interest rate for that transaction. No where on the promotion with the checks did it state that this would be a cash advance but a balance transfer with 0 % APR for 12mos. 
On a separate note along with the checks on the back side at the bottom of the page was a statement regarding limitations or details I should know Otherwise, he could not help me reverse the cash advance transaction from the way I had entered the balance transfer by one of the checks provided. I should have sent the Discover paper check to XXXX XXXX for the credit card balance I felt this was totally misleading a consumer
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

I applied the IKEA projekt card on XX/XX/XXXX and got approval for 0 % apr in 6 months. However, IKEA started to charge my interest started from XX/XX/XXXX till XX/XX/XXXX. I called in on XX/XX/XXXX to IKEA and asked them why. They said the promotion was ended in XX/XX/XXXX. But still they need to charge me interest from XXXX because other purchases. And they could not give me a definition of other purchases. All the purchases I made was happened in IKEA. And they charged me {$81.00} start from XX/XX/XXXX to XX/XX/XXXX within my promotional period. Its nonsense and XXXX is the supervisor who helped me who agree is non sense but she can not make the refund.
Consumer complaint received 2023-05-11
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. (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 2022-09-30
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I am eligible for Public Service Loan Forgiveness. I am a XXXX who has worked at XXXX XXXX XXXX XXXX full time since XXXX. 

In order to get the PSLF I first consolidated my loans with Mohela, as required. Then, I filled out Mohela 's online application. My application was not accepted. So, I submitted a paper copy, which was accepted. After waiting a long time I received a letter telling me that XXXX XXXX XXXX government EIN number was in their database as a for-profit business. They asked me to submit a letter from my employer stating the name of the XXXX, that it is a non-profit, how long I have worked there, and giving the EIN number. I submitted the requested letter by uploading it to their website. I followed their exact directions regarding where to upload it. I received a denial letter again. When I called them they told me I had uploaded it to the wrong place. So, I uploaded it again. Today I received an email saying that my EIN number is not eligible, and that they need a letter from my employer ( the same letter I already uploaded twice ) or a W2. I uploaded the W2 and called them. I am now taking to a supervisor who is escalating the application, but I have no faith in the process as they seem unwilling to research the EIN number themselves, and I have no idea how to prove that XXXX XXXX is a non-profit other than by the means I have already employed. 

My manual application was processed on XX/XX/XXXX. Since then, I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I call they tell what I need to do and then say it will take up to 30 days to process. 

Now they are escalating my case, but also telling me that it could take up to 30 days to resolve, and in the meantime loan payments resume on XX/XX/XXXX. I should not have to pay them anything as I have been trying to have this taken care of since last XXXX.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

Im frustrated with EdFinancials refund situation. The last week of XXXX I called to get a refund on my COVID payments and they stated it would take approx 150 DAYS to process my refund. Why is it that other servicers are quoting 4-6 weeks but EdFinancial is quoting 150 days? Seems suspicious as EdFinancial has proven to be a sketchy servicer. After calling again to make sure my request was put through I was told that my refund would take a very long time to go through. After all that, the icing on the cake is that EdFinancial had a data breach compromising my personal information!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. 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 has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 following 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 2020-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

I scheduled a monthly recurring request for an ACH transfer from my savings account at another bank ( DCB  ) to my business checking account at USB for deposit every month on the XXXX of each month. 

The money is withdrawn from my account at DCB on the XXXX   but not deposited to my account till the XXXX. WHY? 

I believe that USB can not hold my funds illegally for 3 days FOR NO REASON. 

In this day and age when I can transfer funds electronically in seconds by XXXX and other intermediaries, why are ACH transfers taking this long? I have had other banks deposit such transferred funds the very next day. I believe this " SITTING '' on my funds is illegal and should be investigated at USB.
Consumer complaint received 2023-05-11
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-09-30
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. (LA)

I have two accounts on my credit report XXXX  XXXX XXXX XXXX that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3100.00} XX/XX/XXXX XXXX XXXXXXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Consumer complaint received 2023-05-11
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. (IN)

XXXX XXXX. Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX. XXXX, PA XXXX I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  has violated my rights. 

15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at XXXX
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them two letters in the past 30 days and I have not received a response. 

On another note, On another note Transunion XXXX XXXX show I owe nothing in student loans, but XXXX shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on XXXX from my current knowledge of the situation. I didnt see it on Transunion XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.
Consumer complaint received 2023-03-03
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. (PA)

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Had credit card with HSBC. 
Card service was transferred from HSBC to XXXX XXXX by HSBC. Original credit was {$2500.00}. Now amount due, per XXXX is approximately {$2900.00}. Payments were being made and a total of {$2500.00} was paid to HSBC, excluding any late fee ( s ). In addition, have sent XXXX {$520.00}. 
___ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX XXXX  from my Coinbase account to a fraudulent investment firm.
Consumer complaint received 2024-03-15
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. (NJ)

I recently obtained a copy of all XXXX of my credit reports ( Transunion, XXXX, XXXX ). I have noticed several inaccuracies on behalf of the credit bureaus. The reporting agencies ' information on my report is conflicting. The consumer reporting agencies have assumed a vital role under the law, Fair Credit Reporting Act 15 USC 1681 section 602 to make sure that my credit report is " FAIR '' and " ACCURATE '' and 'RESPECT FOR THE CONSUMERS RIGHTS, which they have violated by NOT doing. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have attached the account number in question and a photo of my credit report with multiple inaccuracies. Please investigate this matter. If accuracy can not be provided, I demand that this account be removed.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-08
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. (FL)

In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus . As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for Equifax credit monitoring, to date nothing has changed.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was defrauded by a company I thought was XXXX XXXX. 
I was attempting to get a refund for charges being made after I cancelled my account. 

After some discussion they said it was a Two Step authentication process. 
They had me open XXXX and get a code. I did. It seemed authentic. 
Then we agreed they would use XXXX to transfer the money owed. 
I had never used XXXX, so I wasnt sure how it worked. I assumed like XXXX? 
I have computer people that access my computer remotely, so I thought it was ok as I assumed these guys were legit. 
I gave them access to computer, but NOT the codes sent to my phone. ( BOA said I gave them those codes so refused the claim ). 
Before I knew what was happening he was making tranactions through XXXX that I thought was putting money owed into my account, but he emptied it instead. 

I know if sounds foolish and stupid in hindsight. Im usually so skeptical, so I cant believe it happened. 

I have been a client of BOA for almost 35 years. Ive never filed a claim. The one time I need their help and they refused. 
I called multiple times and they kept saying they had my wrong email address. I gave them the correct email but they never sent and explanation. Instead I received only this letter ( attached ) with no option to appeal or no recourse. 
The explanation is based on the phone call I made to the fraud department and that persons perception or interpretation of what I said. 
The facts are not correct.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NC)

CREDIT CARD ENDING IN # XXXX BY XXXX, SINCE XX/XX/2019 XXXX REFUSED CLOSING ACCOUNT!! I WAS TOLD ON NUMEROUS CONTACT WITH XXXX THAT THIS CARD/ACCOUNT REMAINS UNDER REVIEW!! ON XX/XX/2019 I REPORTED THAT CARD/XXXX WAS LOST/STOLEN!!
Consumer complaint received 2022-10-16
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-08
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. (NC)

i have 10 open disputes with equifax. I keep filing disputes with ftc id theft reports. i have done everything I could to have 3 accounts removed XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. i reached out to each creditor and XXXX of them mXXXX XXXX and XXXX, informed me that it was up to the credit reporting agencies to have the accounts modified or removed because they are paid and closed but showing lates. for the XXXX XXXX, the reason i was late because they kept taking money out of my account when i told them not to and then with exeter i told them the vehicle was faulty and that someone compromised my checking account with XXXX XXXX XXXX XXXX at the time. i have called equifax at least 10 times a day trying to get a resolution but they keep saying wait for the investigation to complete. i am at the point of suing them for this