davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MI)

I have been trying to obtain a proper debt validation from XXXX XXXX XXXX, Second Round Up, XXXX XXXX as well as from the three major credit bureaus with no such luck. Attached is a copy of dispute results from XXXX showing theyve deleted this from my credit file.
Consumer complaint received 2021-07-19
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. (TX)

Trans Union is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over XXXX points. 

Today I talked with a supervisor- XXXX XXXX who said that all he could do was file another dispute even though Trans Union has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Trans Union with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX hasnt reported my credit card account to XXXX  and transunion its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Consumer complaint received 2022-08-30
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. (MO)

Upon reviewing my reports, the incorrect accounts was still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i. The following accounts listed below are still reporting on my Credit Reports and need to be corrected in my file immediately : XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-08-30
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX XXXX XXXX : {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.
Consumer complaint received 2022-08-30
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. (MD)

I opened a secured credit builder type loan through XXXX XXXX  in 2017. I made monthly payments that went into a secured savings account that was held by XXXX XXXX. In turn for the monthly payments from my personal checking account XXXX XXXX  was to report on time payments to help build my credit and credit score. I fell on hard times and I contacted XXXX XXXX  to close my secured loan account and they basically told me it was impossible to do so at that time. XXXX Bank never actually extended a loan to me it was only through my own personal funds. They continue to report my secured loan account as a charge off, which is inaccurate and illegal reporting to the credit bureaus. How can a secured loan where they never actually gave me a dime be charged off? I recently disputed this account through TransUnion and per usual XXXX XXXX  verifies what is being reported as Accurate. This inaccuracy is negatively effecting my credit score and report and it is diminishing my ability to obtain new credit. Thanks
Consumer complaint received 2022-08-30
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I am sick of writing these complaints! 

I contact XXXX almost every month, I set up auto pay and they continue to decline the payments and remove the auto pay action off my account. It then makes me late and get charged a late fee which they make me responsible for and lower my credit line because their algorithm thinks I can't make payments. I AM SO UPSET!! 

This has happened far too often and am getting angry, I am currently working with XXXX XXXX and XXXX XXXX at our local newsroom and am creating a story regarding the false reality FNBO is setting for its consumers. 

You guys are scamming me with late fees, reducing down my credit line and pretending I don't have auto pay setup when I've set it up 4 times and have bank statements showing I've submitted payments. 

XXXX XXXX XXXX XXXX XXXX has provided " Proof of Payments '' I've sent to XXXX who's claiming THEY NEVER GOT PAID!!!
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (UT)

This complaint is about Utah Higher Education Assistance Authority ( UHEAA ) in XXXX XXXX XXXX, Utah ( XXXX ) XXXX. 

For nearly a year I have been requesting my due date be changed so I could avoid late fees. Not once have I received an answer and not once has the date been changed while they continue to collect late fees from me. 

Two-three months ago I spoke with a rep who said my requests had been denied because I have one subsidized and one unsubsidized and neither qualify. Regardless, I'm extremely frustrated that these lame excuse seems to be the reason why I can never do anything with my student loans such as consolidate or modify interest rates. 

Today, I spoke with XXXX who informed me the reason I've been denied is because my account is always delinquent when they review the account for due date change. That's even more absurd because I request the change every time ( once a month ) I make my payment. 

I want this due date changed so UHEAA can stop collecting late fees from me. This is extortion by ignoring my requests, not communicating the real reason for not changing. I want all my late fees returned to me or applied to my balance. This is stealing and I'm furious they are allowed to get away with it.
Consumer complaint received 2022-08-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Collection Bureau, Inc. (MI)

Even though I told them to stop calling and written communication only they still call. They never sent me a debt validation letter like I requested and then they threatened to throw me and my family in prison for a bill, but they won't even tell me what the bill is for.
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX ' not mine XXXX XXXX ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX  ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine
Consumer complaint received 2022-02-24
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. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (FL)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2022-04-14
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. (TX)

XXXX credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via experian and system gave errors. Account number XXXX XXXX XXXX I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

Hello there, I am having a difficult time with Coinbase.com and transferring funds to my bank account via wire transfer. 

I made a wire transfer withdrawal request on ThursdayXX/XX/XXXX at XXXX XXXX. from my coinbase account to my bank account. 


When I made the request, site said that the funds would be transferred that day (XX/XX/XXXX ). 

However, when I got the confirmation email, the confirmation email said that I would receive my funds by XX/XX/XXXX. 

I still have not received my funds in account as of XX/XX/XXXX. 

I have submitted a support case regarding this issue to support.coinbase.com. 
The case ID is XXXX. 

I received a reply to my support ticket from a Coinbase.com from a representative named XXXX on XX/XX/XXXX at XXXX XXXX. 

This is what the reply said : ===== Hi XXXX, Thanks for reaching out. This wire was processed just after the cutoff time for yesterday so you should receive your transfer today if you havent already. If you dont see the funds post by the end of the day today please let me know so we can investigate further. Thanks for using Coinbase! 

===== I have replied numerous times, continuing to state that the requested wire transfer has not been received. 

I have reached out to coinbase on every social media channel that I can ( XXXX, XXXX, XXXX ), as well as sent several emails and replied numerous times to my support ticket. I 've asked my receiving bank to check for a wire transfer coming into my account, at least 4 times this week, but there has n't been any transfer.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021