davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (GA)

XXXX XXXX XXXX XXXX XXXX failed to review my previous claims directly. I demand that someone else review my file. This is my final warning. If my claims are closed again I will take it as a firm message from your company you do not see any errors on your part and have no problem if i seek litigation on any errors discovered moving forward. As stated in my last complaint : ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (CA)

I instructed Discover Bank to not send me promotional offers, including balance transfers, home loans, student loans, and they do not follow my instructions. I instructed them at account opening, and again in XX/XX/XXXX after receiving promotion mail. I received promotional mail again, on XX/XX/XXXX and called again to have them remove my promotional offers. They stated that there are several departments within Discover that I need to notify to have the marketing material stop. I asked how many departments and they said they didn't know. I want Discover to delete all of my PPI ( personal information ) so that no departments within Discover have my information or are able to use it for any reason now or in the future.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account Santander Consumer USA, # 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 an account without my written instructions. 

Total amount also was increasing as loan was being paid off.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/XXXX I reported fraudulent activity to Bank of America and filed a dispute in the amount of {$3000.00}. Then about 2 days later its already notifying me that the claim will not be paid and is closed. Well come to find out the representative didnt accurately include the correct transactions and included some authorized transactions in the fraud claim. So they had me resubmit the claim and of course since its a resubmission they dont issue provisional credit even though it was THEIR FAULT THAT I HAD TO RESUBMIT THE CLAIM. This claim literally consists of various random XXXX and XXXX type merchant names that dont even make sense when you try to read them. Nonetheless its obvious as obvious can be that they are fraudulent charges. So they push the investigation all the way to the XXXX day which is when they said they would be crediting my account for the transactions since they havent received any response from the merchants as of yet. But I woke up to a notification that the claim is closed and not paid. I spoke with a claims representative the day prior and SHE STATED THAT THEY HAD BEEN UNSUCCESSFUL IN GETTING ANY TYPE OF RESPONSE FROM THESE MERCHANTS. So how is it that 12 hours later the claim is closed and not paid. This is absolutely ridiculous and to make it worse they wont provide the documentation used in the determination of the claim decision which I thought they legally had the obligation to provide upon request.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022 at approximately XXXX I was unable to access information on a transaction dated XX/XX/2022 for {$690.00} payable to XXXX XXXX XXXX XXXX as depicted on my ledger. I called customer service at USAA and spoke to XXXX XXXX employee # XXXX ) The USAA associate instructed me to upload my State ID online at www.usaa.com/identity for a verification process. This is not the standard secured website with multiple authentication processes, but a standard website without any security protocol. I'm concerned with the validity of the website provided plus the fact they can not provide any information on my account until the ID is reviewed. The process to review the ID per www.usaa.com/identity is 3 days. Meaning that if my account was to get hacked, or if I noticed unusual activity I wouldn't be able to report it until after the verification process. It's a very vulnerable situation as a consumer. USAA claims and uses as a shield that this is part of The Patriot Act. Is this true? My account with USAA is XXXX XXXX XXXX.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 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 2020-06-05
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. (WA)

Its not a complaint but needed to get this updated and there was no link to do so, can u please update the info that I have a credit card now XXXX XXXX XXXX ending in XXXX issued from XXXX XXXX. This will help my score so please boost it thanks XXXX XXXX User XXXX XXXX
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 my Venmo account was frozen because of suspicious sign in attempts. I followed all instructions to re-activate the account and verify my identity. There were no fraudulent transactions. They said the issue would be resolved within 7 business days but its been over a month and the account is still frozen. {$230.00} in cash is frozen in the account and {$240.00} in crypto currency that I am unable to access. I have tried to contact the company multiple times via chat and email and havent received any information on when the issue will be resolved. I need that money that is frozen in the account.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (FL)

My complaint is about EXPERIAN BUSINESS CREDIT Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX The above company placed an inquiry on my Experian Credit file without my consent. 

Please see below. I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below.

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2020-06-05
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2022-06-28
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: Avant Holding Company, Inc. (KS)

Someone used my information to apply for credit with XXXX/Avant in my name on XX/XX/15 that I did not authorize. I called XXXX/Avant and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.
Consumer complaint received 2021-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Spoke with Freedom Mortgage on payment of property taxes not being paid from impound account to XXXX XXXX XXXX Tax Assessor on due date of XX/XX/2021. They told me they will not pay them until a day before they become delinquent with the county. 

Freedom Mortgage is upset I am doing a re fi with another mortgage company for a lower interest rate and they are harassing me and my family. 

I paid my home owners insurance in advance for a year and they did not inform my mortgage company that I did that. 

My wife received several harassing phone calls from the Freedom Mortgage about my month payment which is paid every two weeks by payroll deduction directly to Freedom Mortgage.
Consumer complaint received 2022-06-29
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. (VA)

I recently submitted a complaint with you about a bankruptcy and how it was being wrongfully reported by the credit bureaus. In response, you sent a letter to me dated XX/XX/22 saying that the information I submitted didn't seem to be me?? I'm confused as to what that means? I happen to have been learning about my rights as a consumer and know about the FCRA and certain laws in it that pertain to my bankruptcy being reported without a proper investigation having been done by any of the 3 bureaus. So I'd like to submit another complaint to follow up about the issue, all 3 bureaus claim to have verified the account as accurate, but clearly have not done or been able to provide a method of verification. The court NEVER reported it to them, so who did they verify it with as having accurate information then?? If you could please treat this new complaint as a serious matter, I and my family would greatly appreciate it as we are trying to put the pieces back together from the last few years. Under 15USC 1681 ( 5 ) ( A ) States If any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall - ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. The bureaus have also violated my rights under 15USC 1681 602 A and 15 USC 1681 604A Sec 2 that state I have the right to privacy and that an account can not be reported without my consent or instructions. Thank you for your help, we greatly appreciate it.
Consumer complaint received 2022-06-28
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: Consolidated Information Services Solutions, LLC (CA)

I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX  XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; CREDIT PLUS DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE ; XX/XX/XXXXXXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX
Consumer complaint received 2022-06-29
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)

In accordance with the fair credit reporting act XXXX XXXX  account # 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 consummer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (MO)

I use to be with XXXX and I had bought a new android phone. This happen back in 2019. I was told that I have 7 days if I didn't like the phone. So I wanted to go back to my XXXX, so I returned my android back on the XXXX day. I went back to the XXXX store located on XXXX Blue XXXX XXXX  XXXX, Missouri XXXX and told them that I didn't like the phone and wanted to returned it. I had all the equipment that came with it. I spoke with XXXX and she took all my equipment back including my phone and told me that I had a {$0.00} balance and that I didn't owe anything. XXXX has been bought out by XXXX and I have tried calling them and the outsource to advise them that I don't owe anything and that I returned my phone and equipment back before the 7 days ended. At this point I received a bill that I owe {$1300.00}. This is really effecting my credit report and I am unable to get anything done because this is harming my credit report so bad. I've been with XXXX for over 8 years and this is not right at all. The current company that has my file is Convergent Outsourcing.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

What are the odds of you being a XXXX couple that owns XXXX XXXX owned businesses and your bank freezes your funds because of fraud or cant a verify funds from local banks? 

My wife received a small grant from the city of XXXX for her XXXX XXXX  for XXXX and she is told by citizens bank that the signature is fraudulent and they will hold this check 19 days to ensure its good. And then that same couple sells their house for XXXX, deposit the proceeds into their account and are told the exact same thing from the back representatives. I go to the bank and discloses the odds of flagging every big check deposited by these minorities without them being targeted. My wife and I, XXXX XXXX, have been harassed by Citizens bank repeatedly because we have large legitimate deposits. This last causes a problem in that we sold our house and we need the money to make a tiny homes purchase. At this time we do not have our home nor do we have our money that we have verified via attorney at a LOCAL bank. 

Why is my wife and I being targeted by citizens bank whom also declined every grant we have applied for our business. XXXX XXXX and XXXX XXXX XXXX XXXX. 
We are left with no choice but to pursue relief from being targeted based in our ethnicity. We will be contacting the Consumer Financial Protection Bureau ( CFPB ) as well as our civil rights office that our companies are consistently targeted by your bank end dept and are told we are somehow fraud, forged signature or cant be verified, or money isnt there lies.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (NV)

I am trying to qualify for a mortgage. When my credit was pulled, the collection account showed and I was advised to pay it off. Paid it via e-check but now they refuse to provide me with a statement or speak to the credit bureaus to state that it has been paid for at least 30 days. I asked if they can just put a statement on my account that I authorized them to speak to XXXX and advise them the account has been paid but they have refused. I explain that everything has already cleared my account and I just need something in writing to give the credit bureaus but they have refused to update status of account.
Consumer complaint received 2022-06-29
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 (NV)

I applied for the card while living in the XXXX. That was about XXXX, XXXX. I was returning to the USA in about XX/XX/2022. Capital One approved a XXXX card with a {$2000.00} limit and sent it to my XXXX Ca. address. I got possession of it on XX/XX/XXXX when I arrived back in the USA. I had only put one charge on the card for {$89.00}. 
On or about XXXX, I went on line to sign up for " XXXX '' banking. From XXXX to about XX/XX/XXXX, my online banking page kept going XXXX. I would have to call the bank, they would send a special XXXX digit secret password via my cell phone and I could then use the secret number to get on line and change my password, get a new password. But, by the next day, the new password would not work ... and we would have to go thru the same old secret number game again to get on line. During that time, they must have given me about XXXX secret numbers ... and each one failed the following day. 
Between XX/XX/XXXX and XX/XX/XXXX, I paid visa XXXX XXXX the sum of {$2600.00} in XXXX separate payments. I did not know exactly how much I owed because Capital One did not send me a Statement of Account because I had signed up for ON LINE Banking... but my on line banking page never worked. So I kept sending in payments to stay ahead of my purchases. Then about XXXX, the bank told me that FRAUD-FRAUD- FRAUD had occurred on my account and they could no longer communicate with me by phone. I would have to write to them and enclose a copy, front and back of my state I.D.Card. I told them that I had just returned from an 8 year stay in the XXXX and I had no State I.D . Card. I offered a copy of my current USA Passport They rejected the passport and said they will not communicate with me until I get a Valid State I.D.Card. Then yesterday ( XXXX ) I got an email from them saying I owed them {$1300.00}, payable on or before XXXX. BUT, they will not provide me with any statements so I can verify if the charges were mine or were fraud. They told me my card was " FROZEN '' and I wan not authorized to take any action regard the card. SO, I am not going to pay the! XXXX UNTIL I GET A COMPLETE VERIFIED STATEMENT FOR XXXX AND XXXX. I want then to verify any and all charges made to that account ... .then I will pay for MY CHARGES. They refuse to discuss the account with me. I want to file this complaint so that both I and the Bank will have a record of the payments I have made and the charges placed on my account, whether by FRAUD or by me.