davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX debited my account for the amount of {$140.00} on XX/XX/XXXX. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to this lender on XX/XX/XXXX. I will attach the documentation to this complaint. I called Chase Bank and successfully disputed this transaction. 

On XX/XX/XXXX XXXX XXXX XXXX again debited my account for {$140.00}. This time using an eCheck. When I called Chase Bank, they denied my request and said that I have to deal with the Merchant XXXX XXXX XXXX XXXX ) directly. The thing is, I've already tried to get my money returned from the Merchant and they are going to continue debiting my account. 

So, I called Chase bank to dispute the payment and the customer service representative, XXXX, told me that I have to deal with the merchant. Then she hung up on me instead of transferring me to a supervisor. This is simply not true. According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 

ANSWER ( UPDATED XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in 2019-BCFP-0001, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation E. Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.
Consumer complaint received 2016-06-29
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have an account with coinbase. my email address is XXXX. They closed my accounts with no explanation and told me to move my USD in my wallet out. At the same time they closed all my bank accounts associated with my USD wallet. So when I tried to move money out, the system asked my to select an bank account but there is no bank accounts to select. The total amount of money in the wallet is {$5400.00} USD. They need to bring my bank account back to the system so I can transfer it out or allow me to fill in the bank account information. This issue has been ongoing for almost five months. I have send them numerous emails and called them many times but with no response so I have to report it to you. I want all my {$5400.00} USD back as soon as possible.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC (NY)

On XX/XX/2021 I sent a dispute letter to early warning services in regards to a XXXX XXXX XXXX account reporting on my consumer report, I never initiated the transactions being reported and ask for the account and information to be verified. The investigation of my dispute has been going on for 90days or more now. 
Company : XXXX  XXXX XXXX Account Number : XXXX Contributions Reference Number : XXXX
Consumer complaint received 2022-02-22
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: Midstate Collection Solutions, Inc. (IL)

Pursuant to 15 USC 1681a ( d ) ( 3 ) this company is in violation as in regards to Medical Information. There is no permissible purpose for this third party who I never contracted with should have my private information. I never directly or indirectly gave this company to contact me through ANY medium and using the CRA 's is a form of communication federally. As a private flesh and blood woman I was violated.
Consumer complaint received 2022-12-03
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. (FL)

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At XXXX point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Consumer complaint received 2018-12-21
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. (GA)

I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by XXXX Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2021 Bank of America notified me that my certificate of deposit would reach maturity and would e renewed for another 5 year term but provided no information on prospective interest rate. It wasn't until a letter dated XX/XX/2021 that I was advised of the new fixed interest rate of XXXX percent. After consultation with my financial advisor it was decided that keeping the certificate was not financially viable and I was advised to, and decided, to close the account. I read all the fine print on the letter from Bank of American and fully understood that any interest on the account would be forfeited when the account was closed. I decided that at XXXX percent it just wasn't going to be very much and didn't matter to me. 

On XX/XX/2021 I addressed a letter to the Bank of America at the address listed on the letter to ask hat the account be closed and acknowledged I would forfeited, plus potential penalties. I received no response at all from Bank of America. On XX/XX/2021 I sent another letter, certified mail, return receipt requested. I received the return receipt acknowledgment card with some undecipherable squiggle on it and stamped as picked up on XX/XX/2021. 

Since that time I have still not heard anything at all from Bank of America. No acknowledgement my request, absolutely nothing. 

As an aside, I saw a news feed on line from the XXXX XXXX XXXX towards the end of XXXX and they too wrote to report how extremely difficult it was to extract money owed to them from their accounts ad Bank of America. 

Since that time I have received a notice from XXXX XXXX that Bank of America is making some maneuver to link the CD account to a credit card account and have it reflect negatively on my XXXX credit scores. What possible linkage could there be between ad Certificate of Deposit and a credit card account? The XXXX report shows that there is no outstanding balance due on the credit card so I can see not reason for Bank of America 's action.
Consumer complaint received 2018-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I attended school at XXXX XXXX University for XXXX school, XXXX XXXX University and the University of XXXX XXXX  for XXXX degrees. At all three schools I was given loans with no problem and now as a XXXX I'm struggling to repay., Previously my loans were serviced on the federal side and at one point was sold to Sallie Mae and now owned by Navient . On at least three different occasions I've tried to complete loan forgiveness to get about {$18000.00} forgiven and most recently I've been denied again. Every time I attempt to repay the payment is so astronomical that I have to stop making payments again
Consumer complaint received 2022-12-04
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. (FL)

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. 

They refuse to block info that I'm telling them is result of Identity theft
Consumer complaint received 2022-02-22
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. (MI)

n accordance with the Fair Credit Reporting act XXXX, XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank (NC)

I got a secured credit card from first progress I tried to make a payment Over the telephone and they would not take my bank card they wanted my routing number And account number and I did not want to give them my bank formation So they would not take my payment and they turned it on my credit report I asked them to take it off of my report because I paid the card off and close the account and they still wont take it off I dont understand what difference it made whether I pay them with my bank card I dont understand why I had to give them my account number and routing number I want that off my credit report please and thank you for your time
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-22
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax violated my rights by reinserting recently deleted fraudulent account on my credit report without notifying me within five business days. 

1. XXXX XXXX Account # : XXXXXXXX Balance :  {$2400.00} Date Opened : XX/XX/2019 2. XXXX XXXX XXXX  Balance : {$5200.00} 3. XXXX XXXX XXXX  Balance : {$1.00} Fraudulent Inquiries : 1. XXXX/XXXX | Date of Inquiry : XX/XX/2019 2.  XXXX/XXXX  | Date of Inquiry : XX/XX/2019
Consumer complaint received 2022-02-03
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: EdFinancial Services (PA)

XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By Experian reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : EDFINANCIAL SERVICES Account number : ( as reported ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-02-22
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. (MI)

in accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Consumer complaint received 2018-08-17
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. (MS)

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX  XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family. 8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions never sent me a validation notice. I had no idea I could dispute the debt, or that they had to validate it. Additionally, I was insured at the time as I have been for years and the debt is invalid.