davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

USAA has finally ended my Membership as I requested. After ending it I didn't have any open accounts and no money. After ending the Membership I received a email saying I had electric correspondence. I don't have access to login, either my pin doesn't or can't access my account. Without a pin I can't get a live person. They don't use email, they won't reply thru social media. I need to know what the message is. I'm having to ask you to contact USAA so I can access the message. Thanks. XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX  personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. 

In an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX million records may have been breached, said XXXX XXXX XXXX, chief operating officer at XXXX XXXX XXXX XXXX, a non-profit organization focused on mitigating risks of identity breaches and theft. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: EdFinancial Services (NJ)

I did a FTC report in XX/XX/XXXX and spoke with XXXX XXXX XXXXT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled XXXX XXXX XXXX XXXX XXXX and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my XXXX Accounts and added an Fraudulent account with XXXX XXXX XXXXXXXX For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX TO : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX TO : Chex Systems XXXX XXXX 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by BOA. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me physically XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I wrote to the agency requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NC)

I received on XX/XX/2021 and XX/XX/2021 from Convergent Outsourcing Inc. stating that I owed an alleged debt of {$1800.00}. I verbally told them that i do don't owe any debt but they continued to send letter stating this accusation. The reported this alleged debt to the consumer credit agencies, which is negatively affecting my reputation by being on my consumer report and also with out my consent to do so. In theses letters Convergent Outsourcing Inc. was offering me a discount on this debt to persuade me to pay it, along with their symbol being displayed on mail that indicates that they are debt collector is the debt collection business.
Consumer complaint received 2021-10-04
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. (GA)

Experian investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today XXXX XXXX
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The Bank of Missouri Late Payment from XXXX  XXXX Late Payment from XXXX XXXX XXXX XXXX Send XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX 
XXXX XXXX XXXX Bank XXXX Bank XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I'm aware that this transaction is fraudulent [ Debit Card Purchase At XXXX XXXX XXXX, XXXX, Ny On XXXX From Card # : XXXX ] This transaction belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX to withdraw money from my account on any or lease term agreements. After contacting XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the items got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments. I never lived there. For your review. I've attached an identity theft report.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (FL)

I received a letter from Vengroff Williams , Inc of XXXX, FL saying that they have been engaged by XXXX XXXX ( XXXX ) to collect {$610.00}. I have no outstanding debt with any organization and there are no details to support the collection. No time, date, proof of transaction of any sort. They provided an internal acct # that's been assigned to me # XXXX & a reference # XXXX. There have been no attempts from anyone to claim this debt via phone, email or letter ( before this fraudulent attempt ). There are no charges on my credit cards that this organization could point to as proof. I haven't engaged in any transactions with any company called XXXX XXXX. No communications have taken place with any of the 3 credit bureaus as " late '' or otherwise delinquent. I subscribe to a credit monitoring service ( XXXX XXXX ) where nothing has been reported. I called the " Resolution Specialist '' on the letter named, XXXX XXXX @ XXXX where he has a VM I left a message. Every single phone number on this " invoice '' is his number. This seems to be nothing more than an attempt to extort/steal money from unsuspecting people. I'm formally writing back to this organization within their 30 day requirement to formally dispute this fraudulent claim. My phone is XXXX ... thank u
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is reporting an inaccurate alleged collection # XXXX my credit file and it is causing me harm financially, emotionally, and physically I haven't been more stressed and tired in my life since spotting these violations. This alleged collection account is reported as open with an alleged past due balance which is a violation how is this account even being furnished at this point. Even though I already sent disputes on this collection account I had to make this complaint because Transunion has a history of reporting inaccurate information even after it is disputed. This consumer reporting agency is in violation of USC Title 15 1681Eb- Accuracy of the report - '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' and USC Title 15 1681i 5 1-2- Treatment of inaccurate or unverifiable information - ( A ) In general If, after 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 reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-11-19
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. (MN)

Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( XXXX ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO EXPERIAN VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NC)

I am XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX. I sell Flavored sweet teas and flavored lemonades ; freshly made. I attend events, fairs & festivals, etc. I took payments from customers on XX/XX/2023 using my Square reader and now Square is telling me my account has been deactivated for NO REASON at all and they will not release my funds to me {$100.00} minus fees which is {$100.00} that is due to me. What is going on! I need my money and the reason WHY my account has been deactivated with no explanation and I did not violate any policies. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

So some unauthorized transaction been going my XXXX XXXX account an XXXX  XXXX I never approve of any of the transaction they transfer information to different emails an phones I never approved by using spoof and thats how they ended up transferring money. They also applied for a ppe loans and open banks an phone accounts under my ssn # I block my ssn # so it can stop hopefully it helps out
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (NY)

On XXXX I sent a letters regarding inaccurate and unknown things on my credit report. To date it has been more than 60 days that I have not received a response. At this point I feel as if I have been not been treated fairly and my disputes are being ignored. Section 611 ( a ). states clearly that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. as stated prior it is past 60 days so they should be deleted punctually. I demand that these accounts be deleted immediately or I will file a ligation due to XXXX  caused to me.
Consumer complaint received 2022-02-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CA)

On or about XXXX XX/XX/2022 I had inquired about a new primary home VA loan with American Financing, XXXX XXXX. As our family situation had changed, we were looking into mortgage lender options based on rates and closing costs. Between XXXX XXXX I had spoken with XXXX XXXX XXXX Mortgage Consultant, that I would be going with another company because they could not pre-approve me at a reasonable amount, afterwards a sr. loan processor, XXXX XXXX XXXX XXXX and said they would like to still be considered and if I could send them an approved loan contract they would see what they could do to earn my business. On XXXX XX/XX/2022 I emailed an accepted home offer to the aforementioned American Finance employees as I am a man of my word and wanted to give equal opportunity to compete for my business. On XXXX XX/XX/2022 I received an email indicating an XXXX had been assigned by American Finance, I immediately responding back in the negative that I did not order nor do I accept such action on my behalf. I subsequently called XXXX XXXX who then assured me that no such order had been placed and that it was simply an automated mail system and it meant nothing so not to worry. On XXXX XX/XX/2022, after reviewing their offer for loan terms I had emailed XXXX XXXX and XXXX XXXX, letting them know I would go with another lender as the rates and closing costs we had discussed on the phone were much different then what was presented on paper. 

On or about XXXX XXXX I was notified by my lending consultant at my chosen lender that he could not order an appraisal because American Finance had ordered a XXXX Case number and appraisal and they could not go to underwriting until the case number was released. Between XXXX XX/XX/2022 and XXXX XX/XX/2022 several calls and emails have taken place to get the case released to no avail. As of XXXX XX/XX/2022 XXXX, I have been told that " upper management '' was working on it and they had no additional information. When I requested options for recourse or reporting complaints, I was told that they weren't sure who I could file a complaint with. 

I had never signed an " intent to proceed '' with American Financing, I had allowed them to compete along with XXXX other lenders and provided them the same documentation I did others for pre-approval. American Financing deceptively initiated a XXXX sided loan agreement that was reported to XXXX, tying up my benefit case number and preventing the lender I did selecting from completing the requested loan arrangement in a timely manner. Their actions jeopardized my families well-being, have caused stress and anguish, and bring discredit upon the industry where transparency and communication is key to financial and economic wellness.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.