davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (IL)

Hi my name is XXXX XXXX Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX  XXXX platinum card account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC $ 1681b, it is evident that there may have been a violation of my consumer rights.

The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC 1681. Ilook forward to your prompt attention to this matter and a timely resolution.
Consumer complaint received 2017-09-09
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. (NY)

My personal information was divulged to an unauthorized third party by Equifax due to extremely inept cybersecurity practices in use at the firm. My data, including my SSN and other sensitive information, is now being held by an unknown entity without my consent.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I've sent in request to have this account XXXX XXXX XXXX XXXX, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.
Consumer complaint received 2017-09-09
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. (NY)

Equifax mishandled my information, which puts me and millions of other people at risk. I also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2022-03-07
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I have filed numerous complaints with every available agency requesting that XXXX/Google investigate the fraudulent transactions and wallet account that was made without my knowledge or consent. I am now providing what I have asked Google to provide for the last three years. There is no way Google does not have the information I will be attaching. They have deleted XXXX from the account an now state its on someone else 's account, that was able to take all of my unemployment benefits with no password required as google stated in a prior response. Google also stated that all monies were refunded did they then refund to the account that was tied to mine? I did not receive that money, I would like to see proof that its my account, since all merchants stated I made no purchases. The attached documents are proof this was not my doing. Not including all of the conflicting information that has been on every other complaint. Not one charge am I able to verify or know who made. I am a identity theft victim. The person on the attached documents lives less than a hour away from me and knows were I am at all times due to XXXX XXXX and being linked to the account. Google will not protect me and has not protected my info as it states they do.
Consumer complaint received 2021-06-23
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. (FL)

I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NV)

Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!
Consumer complaint received 2017-09-09
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. (CA)

I received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.
Consumer complaint received 2017-08-17
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: Weinberg Mediation Group LLC (LA)

I got a call today on my cell phone and when I answered it they man named XXXX XXXX told me that he was with the fraud department and and my County XXXX XXXX XXXX or suing me there was a warrant for my arrest and he said it twice he did not tell me what company he was with all he told me that he was with the fraud department and I was being sued by XXXX XXXX XXXX and I asked why then he told me it was a credit card that I 've never even heard of that was taken out in 2015 and I told him I do n't I do n't know anything about it and then he told me that then he told me that I was going to be summons and I was going to court then he asked where I worked and I told him I do not work and he told me that they 're going to garnish my wages take my property take everything I have and then he told me is it well then he asked me how do I make a living and when my next check was going to be which I do n't work I explain to him that I lost my house in the flood and I 'm doing everything I can right now to get everything back together and he told me that I need to check my credit report and then he gave me my social security number over the phone the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my family members and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have any family members left but my parents are dead and he told me that I have a few days to cough up that {$520.00} I believe he said it was or I 'm going to go to court go to jail and be sued and then to call him whenever I want to give him my banking information over the phone and I said okay and thank you well the reason I know the name of the company is because I accidentally called back and he answered that with the proper name which was the winberg meditation group and I have it was an accident he called me right back and asked why I told him it was an accident he said accident right well this name this number came up as such and such and you need to tell XXXX XXXX that information I gave you on the phone you understand me
Consumer complaint received 2017-08-17
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. (MA)

About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXX like car loans credit cards and other agencies
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servatus Corporation (CA)

I completed a fraud package with XXXX and sent it to them. XXXX sent me a letter stating that they would remove the account from my credit report. At one point it was removed. Credit Solutions has placed it back on my report with a fraudulent date of XXXX XXXX, 2013. The previous debt is over 8 or 9 years old.
Credit Solutions is using fraudulent means to collect a debt. Credit Solutions Cor Opened XXXX XXXX, 2013 - {$260.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. Balance {$260.00} Highest Balance {$260.00} Opened XXXX XXXX, 2013 ( 4 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information CREDIT SOLUTIONS CORP
Consumer complaint received 2017-09-09
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. (MA)

Equifax data breach. They ( equifax ) say I may have been impacted, so my SSN, DL, DOB, and potentially credit cards may be up for sale and essentially public.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX, 2017 XXXX Transaction Details Description- Capital One Payment Transaction Date- X/XX/2017 Posted Date- X/XX/2017 Amount : XXXX Category- Payment Details- N/A Payment History XX/XX/2017 XXXX ... XXXX Social Security XXXX XXXX ... XXXX {$3200.00} Paid
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (AL)

I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. 

I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

on XXXX XXXX, 2017 I issued a wire transfer of {$20000.00} to another member of my family who has an account in coinbase ( XXXX account ). The money was never received, nor was it returned.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time that 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX