davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi- my name is XXXX XXXX. Last Monday I had contacted you on behalf of my family regarding the fact that Bank of America had put a stop payment on a check received 5 days earlier following a falsified report that the check was stolen. On Thursday we were contacted by a representative from BoA wanting to discuss the matter and hopefully get it resolved, as my bank balance was plunged into the negative because of their actions. 

I have been trying to call the person in question, a gentleman named XXXX XXXX, since that day. And every time I or my mother have called it automatically bounces to his voicemail. We have no idea where this person is or when he'll be in his office, nor can we wait another day or two because again my bank account, our only means of survival, is still in the negative and we are now completely out of money.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: All Debt Solutions Inc. dba: 1st Class Agency (RI)

I saw a debt collection on my credit report, XXXX XXXX and XXXX for a school Ive never been, never received any services from them, I contacted XXXX XXXX the debt was clear at the time it was XXXX, soon later theyre removed the debt to XXXX which is almost {$10000.00} for no reason. Ive never been in this school and never received any services from them. First time I talked to them I got insulted from them, they even told they know where I am working, the will contacted the place that I am working. T
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX, and Transunion are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..
Consumer complaint received 2022-01-09
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. (TX)

I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Selene Finance is truly a criminal organization and should be closed down. 

I made TWO payments for XXXX and TWO payments for XX/XX/2021, 1 each to the previous servicer and 1 each to Selene Finance who for months has denied receiving the payment. Until this morning as I sent them written proof from the previous servicer.

I have requested a payment history and escrow analysis. I was told : 1. request via email and you will get response in 5 business days 2. request via email and it will take 10 business days 3. it will take 30 days 4. it will take 30 business days Bottom line : I have paid off the loan of approximately {$170000.00}, except maybe {$2000.00} I need payment history, as Selene is not trustworthy XXXX Again, I can not pay this unless I have payment history. Once payment history is confirmed only then will I trust a payoff quote. 

The other big issue is that Selene Finance threatens to report to the credit reports if I do not make the XX/XX/2021 payment. Except the payment they request is double what I owe on this mortgage. They tell me this will not be solved for another 30 business days. 

Time is of the essence I will attach : -statement showing illegal late fee 16 days after mortgage transfer -email trail starting XX/XX/2021 -As well attached is payment history of PREVIOUS mortgage company showing funds they transferred to Selene. Whist as of today Selene was still denying it received
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Finance Company, Inc. (TX)

I have a collection that showed up on my credit report for XXXX XXXX at XXXX. They have sent it over to Professional Finance as a debt collector. I have called PF to ask for details of what the charge was for - they have refused to provide that and instead sent me back to XXXX which I have documented XXXX different billing departments and phone numbers to follow-up with to determine what was sent to collections and NO ONE can tell me what it is. I have gone through all my insurance EOB ( explanation of benefits ) and there is nothing that shows I have {$150.00} due as a patient responsibility. 

When I went back to PF and told them this was erroneous they told me to just pay it. I said it fraud - its not backed by any data or fact and you can't even tell me what it is for - I was then hung up on. I tried calling back and got a voicemail and left a voicemail asking that they send me the details in writing via email or snail mail or take this off of my credit report until they can find the details that shows this is truly an amount due as XXXX - all XXXX of their billing departments can't track that this is due and you have no prove up - so remove it. 

I have now repeatedly received calls with XXXX XXXX, demeaning words, telling me to pay it or my credit will be ruined due to my paying what is due. I still to this day can't get any details from any of the XXXX XXXX entities or this collection company. Based on how they have treated me as a human - I want this removed from all three credit agencies at once.
Consumer complaint received 2020-07-24
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. (AZ)

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on XXXX, 3 inquiries on Equifax and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from Equifax on XXXX with my full Equifax report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form XXXX  and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw Equifax removed 16 of the 19 fraudulent accounts, XXXX  removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX and XXXX. Equifax removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Consumer complaint received 2018-03-05
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. (NC)

XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I opened XXXX and tried to send a friend the money back that he had sent to me. I had previously XXXX him XXXX $ but after that when I tried sending him XXXX $ with sufficient funds in account on XX/XX/2021, Chase automatically denied the transaction and froze my connected checkings account. They provided a number to call but when I called the first time on XX/XX/2021, the customer rep escalated it twice before the third telling me his higher up would contact me within 24 hours but I have gotten no response. I called them again, this time escalated once before the customer service rep made up bogus security questions ( asking me if I lived in apartment or house on an ave. I have never lived on, they had already asked my address before this ) ( what my job at XXXX and XXXX was despite me being XXXX XXXX XXXX college student ) then hung up on me after I told them these aren't my questions. 

I was also emailed a cancellation notice of the payment along with a secure message about my account, except I can't view the message due to account suspension ...
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery Partners, LLC (AZ)

This is a complaint from XXXX XXXX against Recovery Partners for Recovery Partners failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX XXXX received a demand letter from creditor, Recovery Partners. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

Ally Financial ( aka Ally Invest, aka XXXX XXXX ) failed to perform its fiduciary duty to me and also stole money from my brokerage account. I have been in dispute with Ally Financial trying to get my money back that was stolen from my brokerage account as inactivity fees ; a total of {$200.00} of which I only received {$50.00} refund. Ally Financial still owes me the remaining {$150.00}. 

I accuse Ally Financial of the following : 1 ) Stole money from my brokerage account. 2 ) Failed to perform their fiduciary duty to me as my de facto brokerage firm. 

1 ) I initially opened my brokerage account with XXXX in XXXX. There was no inactivity fees in the agreement. At the time, I was aware of Trade King ( now Ally Invest / Ally Financial after XXXX acquisition ) in that it charged inactivity fees and had decided not to do business with it. In XXXX, XXXX was acquired by XXXX XXXX ( XXXX ) and it became my de facto brokerage firm. I did not have any agreement with XXXX. I was not able to move my account out of the firm because it was the Great Recession and I would have incurred a big lost. Also during the merger, XXXX and XXXX ' CEOs jointly sent out e-mails to XXXX account holder promising to " keep the same ... products and services that attracted them to XXXX to begin with. '' ( Refer to attach document Doc1 for e-mail printout ). However, XXXX broke that promise by stealing money from my account yearly from XXXX to XXXX as inactivity charges. I have been in dispute with Ally Financial to recover my money. 

2 ) I have been contacting Ally Financial to recover my money but the firm was not interested in helping me. It has failed to perform its fiduciary duty to me. In XX/XX/XXXX, I did a web chat with agent XXXX and he agreed to give me a refund of the inactivity fee from 4 years, that would be {$200.00}. However, I found out some time later that only {$50.00}, one year of fee was refunded. I asked for 4 years in my original chat, so I went on web chat again, and was connected with manager XXXX XXXX. He told me that XXXX did not mean what he said and that he only agreed to give me one year 's worth of fee that was {$50.00} instead of the {$200.00} that I asked for. He said that XXXX could have been more clear, but then did not rectify the problem, and instead continue to say that company policy only allowed for a one time refund. XXXX ended the chat with while I was still inquiring about the money. That was not customary business practice. I accused Ally Financial of failure to act in my best interest. The firm and its agents did not honor their words with me. All in all my account was hit with more inactivity charges than commissions for the service. 
( Refer to attach document Doc2 and Doc3 for chat transcripts. )
Consumer complaint received 2020-12-03
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. (MS)

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and Experian. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX around XXXX my phone service stopped working right after I received an odd text that my Coinbase Crypto Currency account password was changed ( which I did not do ). Quickly switching to Wifi on my phone I could not get into my account with Coinbase plus I then received an email that someone authorized a XXXX XXXX transfer into my account. I emailed Coinbase ( which is the ONLY form of communication for their customer service, they have no live agents which makes the process incredibly frustrating ) and they locked my account. However, with my account now locked I could not get back into it. Over 20 emails of trying to get a password reset link to my email failed.

Coinbase has also confirmed that my account was hacked and provided the IP address that did this ( I will provide that attachment ). I was asked to create a new account where they would transfer funds that are remaining, but I have heard nothing since XX/XX/XXXX. 

So as of this note : ( 1 ) I have no idea what the fate of my {$4600.00} + {$1000.00} on additional XXXX funds that were moved over. Coinbase will not confirm this as of this note 1-10 ( 2 ) I can not access my old account that I have been locked out of ( 3 ) I am not clear what insurance Coinbase has for their customers to reimburse stolen funds
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation (PA)

I because a client of XXXX  XXXX, in XX/XX/2020 when I had a sewer problem in my home. XXXX  got me finance with XXXX XXXX. On XX/XX/XXXX, my account was transferred to Concord Servicing. Today I called Concord to get information on how to create an account so I could pay my bill, since I had not received any kind of communication from them. My payment is due on the XXXX of each month and I did not want late charges on my credit report. 

I was given a new account number and Web info to log in. ONCE I GOT IN TO PAY MY BILL I NOTICE THAT THERE IS A {$5.00} FEE FOR USING YOUR CHECKING ACCOUNT. THIS IS THE ONLY WAY THAT YOU CAN PAY YOUR BILL. NO CREDIT OR DEBIT PAYMENTS. I never paid a fee with XXXX, so why is Concord charging this extra fee and why can't I pay with my credit or debit card ... This is a rip off and I have excellent credit.