davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (ID)

I am self-employed ( sole proprietorship, I work as an independent XXXX ). I utilize XXXX accounting software, and XXXX partners with XXXX, a subsidiary of Chase Bank, to process credit card payments from my customers. On XX/XX/XXXX somehow a hacker accessed my XXXX account through XXXX and changed my bank account to their bank account. XXXX initiated a transfer of {$4900.00} of credit card payments to the hacker 's bank account. XXXX does NOT allow for phone contact, so although I attempted to notify them of the fraudulent bank account, it took them XXXX days through their email " support '' system to attempt to intercept the payment. By then it was too late, and I have now lost XXXX XXXX of my income for the year thus far. Neither XXXX nor XXXX has offered to provide any reimbursement, support, or help in this situation. I am not a large business owner with employees and large income, insurance policies, etc. I am an individual consumer who works for myself rather than an employer, and as such I appear to be stuck in a loophole whereby the banks are not legally required to provide assistance for the illegal XXXX. I did not knowingly do anything to allow access to the accounts - I had different passwords for every business account as a layer of protection. XXXX and XXXX advertise their payment processing services as " safe and convenient '', but due to accepting their advertising push and utilizing these companies ' services to process credit card payments ( rather than insisting on only cash from my customers ), I have lost a sum of money that has caused extreme undue hardship to me and my family.
Consumer complaint received 2020-11-02
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: NCB Management Services Inc. (TX)

Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

On XXXX/XXXX/2016 a dispute was initiated through the CFPB porthole with respect to erroneous accounts being inaccurately reporting on my Consumer Report and for Equifax failing to provide me with accurate information as to who furnished the alleged accounts per Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). ( See : CFPB ref # XXXX ) A search of the Equifax site revels that the company has not initiated a formal investigation as stated in their response through the CFPB porthole on XXXX/XXXX/2016. ( See : CFPB ref # XXXX ) Equifax continues to violate my rights as a Consumer. ( See : Attachments ) I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Equifax also failed to initiate an investigation after receipt of notice of dispute. Additionally the company has received additional communications from me " the consumer '' during the review of the complaint. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-Greenbelt # XXXX 2 ) US BK Court-Greenbelt # XXXX 3 ) US BK Court-XXXX # XXXX This is my final attempt to communicate with the company to correct their records ; and any information obtained shall be used for that purpose. This is not a statement, election, or a waiver of my rights.
Consumer complaint received 2022-09-04
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. (NJ)

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 2016-06-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Resurgent Capital Services L.P. (IL)

The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/2020 my card had been charged in the approximate amount of {$1300.00}. I was given a provisional credit of {$640.00}. I was refunded the remaining amount. The bank then took back the provisional credit of {$640.00} dollars. I appealed the denial for my {$640.00} and sent proof of location and time cards as well as a police report. The charges in question are from illinois and california. The bank Navy Federal Credit Union denied my claim again for the second time. They stated that since i used my card at my gas station next to my house i must have made the in person purchases in illinois and california. They refuse to give my money back.
Consumer complaint received 2017-10-13
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)

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (GA)

My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

Equifax markets a 3-in-1 Credit Report product that only includes information that the credit reporting agencies are required to provide for free. I understand that the terms of the product do not state that credit scores will be provided, however it is clearly misleading to offer a paid product next to your free report that contains no additional value for the paying customer. 
I would like a refund.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc. (GA)

I have attempted to rectify this debt with this company by through written communication by letter sent certified return receipt. The initial letter was sent to Tri-State Adjustments after reviewing my credit report and finding this company listed with a collection on my credit report. I sent a letter demanding they verify debt on XX/XX/2023. At which time, the collection agency sent a one page itemized bill not inclusive of any of the verifications I requested. on XX/XX/2023 I sent a second written letter certified return receipt informing them that they were in violation of my the no surprises act and to delete this account from the credit report. this account has yet to be deleted. I am asking for your assistance in holding this collection company accountable and demand that this account be deleted from my credit report ( XXXX, XXXX, and XXXX ). Attached you will find the documentation of the above mentioned correspondences.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?
Consumer complaint received 2022-09-04
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. (AL)

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX {$700.00}
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (NY)

I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.
Consumer complaint received 2015-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (TN)

The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/2023 ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

I file a complaint with the XXXX credit Bureaus Agencies regarding a Collection Debt from Resurgent Capital Services, they Wrote me a letter on XX/XX/XXXX with an Payment statement advising me that such account was mine, I wrote them back and told them that I found inconsistencies along with the information they sent. as Date Account was open, the Balance of the account is incorrect, Last payment there were No payments made since XX/XX/XXXX they altered the account open date, because how do you explain that if it was open on XX/XX/XXXX according to their outdate info why the account would be removed until XX/XX/XXXX is n't it true that will remain 7 years minimum if the account was open XX/XX/XXXX to XX/XX/XXXX is 4 years, there is many discrepancies that are not accurate at all.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.