davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I deposited two large checks that I had received from XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my XXXX ( XXXX XXXX XXXX  ) into my checking account at USAA. USAA no longer has an actual bank that one can go to ; everything has to be done either by mobile app or through an ATM. I deposited these two checks, which totaled just over {$99000.00}. USAA immediately closed my checking and savings account and my son 's checking and savings account and denied access to all of our accounts. At the time that I deposited the two checks, I had {$22000.00} in my checking account. USAA said that the checks were fraudulent b/c XXXX had misspelled the first letter of my first name and for " other reasons. '' I replied that they had cashed three other checks by XXXX with the same misspelling with no problem, but their response was that the checks were " fraudulent '' this time b/c of the amount. A week ago, they lifted the freeze on my savings account and my son 's checking and savings accounts, but not on my checking account. They also informed me that they were " no longer terminating services with me '' and that they would lift the hold on my account " soon. '' However, I did not hear from them all of last week, and they also reinstituted the hold on my savings account and my son 's checking and savings accounts. I have changed the direct deposit for the various sources I receive income from, but those will take a few weeks to a few months. In the meantime, over {$6000.00} has been deposited into my account, including my paycheck from work, but USAA still denies me access to those funds. My current balance w/o the two checks that I deposited is {$26000.00}. I have been w/o any of my money for almost three weeks now with no end in sight. I am a widow, as my husband was a XXXX veteran who XXXX XXXX XXXX I still have XXXX children at home that I am caring for. I work XXXX and am unable to devote my entire day trying to get this resolved and gain access to my money. I have already opened up a new checking account at another bank, but it is not doing me any good right now when the direct deposits will not change right away, and I still do not have access to my funds.
Consumer complaint received 2022-08-17
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. (TX)

I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus Equifax, XXXX and XXXX in XXXX. After their investigation these items were removed from their reports. The creditorXXXX XXXX XXXX XXXX  ( XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

Account information was recently posted to credit companies. On year XX/XX/XXXX I send the check for the amount in question of {$220.00} check number XXXX to the dentist at XXXX XXXX XXXX in XXXX VA. They wait XXXX months to cash the check so they can charge more as a late fee. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$320.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$310.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Consumer complaint received 2022-08-03
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: Resurgent Capital Services L.P. (CA)

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX XXXX XXXX LVNV I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Consumer complaint received 2023-03-23
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'm writing to express my disagreement with the existence of several entries on my credit report that I consider to be fake. Although I've challenged these issues in the past, my credit report still has them. In compliance with Fair Credit Reporting Act ( FCRA ) Section 605b, I demand that these items be deleted right away. You are aware that under the terms of FCRA Section 605b, any information that is untrue, incomplete, or impossible to verify must be promptly deleted from a person 's credit file. The items in question are fake and do not accurately reflect my credit history, so I think they fit under this category. I ask that you take away the following things : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have contacted the creditors and filed police complaints, among other actions, to dispute these matters with the appropriate persons. But despite my best attempts, these things are still listed on my credit record. I ask that you look into this issue more thoroughly and delete these false entries from my credit report as soon as you can.
Consumer complaint received 2024-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am filing this complaint against Credit Acceptance regarding two accounts with the following details : Account Number : XXXX Account Number : XXXX Despite my dispute of these accounts ' validity and accuracy, Credit Acceptance has continued to report negative and derogatory information to credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX This reporting is negatively impacting my credit score and financial standing. 

See Attachments at the bottom
Consumer complaint received 2023-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to XXXX XXXX for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.
Consumer complaint received 2022-09-24
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. (CT)

Hello I am writing to make a complaint against Transunion due to them not removing XXXX XXXX XXXX XXXX from my report. I have written disputes on several occasion and each time they verify as accurate. 

On XX/XX/XXXX I received a consent order from XXXX XXXX XXXX XXXX with an order to clear up customer reports. As of today Transunion has not removed it from my report like XXXX and XXXX did. XXXX also refuse to respond to my request to resolve this issue. 

This inaccuracy is causing me to be unable to get loans and right now I really need XXXX to put a new roof on my house. Every loan I have applied for has been denied due to Transunion reporting. 

Transunion continue to report inaccurate information on my report and I would like for XXXX to be removed immediately. I sent them several documents to prove that I do not owe this company. 

Disputes dates/ file # I requested with Transunion are as followed : XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX Ive sent them letters I sent to XXXX, consent order and several other documents. I even made request for them to send me validation from XXXX and all I receive is a copy of credit report. 

It is unfair that I can not get XXXX or Transunion investigate/ respond to my claim of inaccuracy on my report. 

Please help me get this off of my report because it is harming my great credit report I finally established. I take great pride in handling my creditor that I owe and my credit report should reflect me as an responsible and credit worthy.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (VA)

I purchased a dining room set from XXXX XXXX in XXXX XXXX Va on a Saturday, and went back and picked it up on Sunday. Monday after work I attempted to assemble the furniture per the instructions from the box. After assembling the chairs the legs started to pertrude. And the table was chipped. This was all within one day of having the furniture. I then tried again to tighten the chairs and again the legs started to pertrude. I called the store on Wednesday and they told me I was past the 48 hours to do an exchange but they would go ahead and exchange it out. Thursday I went and exchanged the furniture. I was told by the store employee that I need to brace the legs against a wall to hold them in place while I screwed them together. I asked her to show me this on the table I was returning but she refused. She said she did not have the tools. I was also told by another employee to use bungee cables to hold the legs together. So I got a new table went back home and again per the instructions in the box and from the manager put the table together again. That was 8 days ago and now the legs on the table are doing the same thing. I also went back and added the additional insurance in case this happened again which cost me another {$150.00}. I tried to call and file a claim two days ago and the automated system is saying their is no record found for my phone number for an active protection plan. At this point I do not want this furniture. The store is saying I can not return it and Im responsible for completing the installment loan. They have my checking account on file and are forcing me to pay for damaged equipment. I do not want this furniture and I want the contract voided immediately. I plan on talking to my bank because I am not paying for a product that is defaulted.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX  keeps trying to bill me for something I didnt have and I paid for the first month of the Sims card and its ridiculous. They were just want money so they just keep right on billing and they should be stopped for that and then they ruined my credit for the last four years because of it.
Consumer complaint received 2022-09-23
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: PENTAGON FEDERAL CREDIT UNION (OH)

This is reference to card number ending in # XXXX Sometime around the dates of XXXX XXXX XXXX, I had reached out to Penfed to report transactions that I did not recognize as I had lost my wallet several months ago. 

They took my information and cancelled the card. 

The amounts that are fraud consist of all of the transactions made in XXXX in the month of XX/XX/2022 as I had again, lost my wallet inside of the store for an extended period of time. 


On XX/XX/2022, a XXXX representative left a voicemail and mentioned that my claim was denied because it was beyond " 60 days '' and five months. 

However, on their website " IN WRITING '' states that there is not a timeframe for fraud claims. 

The representative was clearly dishonest and I called him back. In addition, I contacted Penfed security again to reopen the claim. 


Not sure if this was an error on their behalf or not, but I find it very unethical and unprofessional for a bank to contact the consumer expecting the member to be financially responsible for fraud transactions, then giving wrong information when what is in writing says something completely different.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (IL)

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 Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$2300.00}
Consumer complaint received 2022-12-16
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I received yet another letter dated XX/XX/2022 from Freedom Mortgage asking that I accept their offer of CV-19 Recovery standalone partial claim by XX/XX/2022 ( note that the response date is a Sunday and not a working business day ). In the past year I have accepted this offer on various occasions via phone and via email, despite my dispute of this account, and Freedom Mortgage has not sent me the proper paperwork to commence repayment. This is what I stated in my CFPB complaints no. XXXX from XX/XX/2022 and no. XXXX from XX/XX/2022.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

tried to find what best describes my situation. my credit card debt was sold to a collections agency and when i look on my credit report both the credit card issuer and the collection agency are on my credit report for the same debt reporting deferently. marked as potential negative. I asked the credit card company if they sold my debt why don't they drop it because even if I pay the collection agency the won't report that I paid the debt that they sold.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-14
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. (FL)

In accordance to the Fair Credit Reporting XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 : also states that a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2022-07-13
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

Experian : XXXX XXXX XXXX  XXXX Balance : {$0.00} NO XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}