davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I bank with USAA and have for years. When I check my XXXX  score under the VISA account they show a XXXX  score of XXXX. XXXX  for a very long time has reported my XXXX score as above 800, currently, XXXX. When I complained to USAA they told me that is what is reported by the credit agency, which would be XXXX. I wrote a XXXX  complaint and received a call from USAA that I have to take it up with XXXX. I called XXXX today XX/XX/2021 and I was told that they show XXXX score XXXX. I know that XXXX  uses XXXX XXXX and that is the only number or model that they use. USAA uses XXXX XXXX, which is not reported by XXXX. With a score of XXXX, I firmly believe that USAA under reports so that they can use a higher interest rate if I was to obtain a loan from USAA, which I am not. All three credit reporting agencies all show above 800 and I understand that they may be different and obtained differently, but if XXXX  only reports XXXX  XXXX and shows my score on their website as XXXX then USAA maybe under rating everyone that banks or obtains credit/loans with USAA. I believe it worth a Class Action.
Consumer complaint received 2022-06-21
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. (TN)

XX/XX/XXXX, The 3 Credit Reporting Agencies, XXXX, Experian and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS XXXX # : XXXX Experian Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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.

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : OPEN XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX XXXX XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. 

It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ). 
Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. 

Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint about XXXX XXXX XXXX XXXX, the parent company of NetCredit and the XXXX XXXX and XXXX XXXX. 

I hope there is an immediate resolution. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the XXXX. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. Net Credit HAS NO WASHINGTON STATE LICENSES. This is a major concern and violation. I would hope my payments would reflect THE LEGAL Stipulations from my State. As it seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!
Consumer complaint received 2021-07-12
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. (GA)

Transunion shows a bankruptcy on my report from XXXX XXXX that I have disputed and Transunion has claimed was verified. This bankruptcy does not belong to me. Per Transunions website any public records collected before XX/XX/2018 are obtained from XXXX. XXXX does not have a public record showing under my credit file for bankruptcy and has submitted this information to Transunion. Transunion will not remove this incorrect data from my credit file and will not provide verification of bankruptcy that includes my signature.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (NY)

in early 2021, I received an email from Binance.com tell me they were no longer supporting UNITED STATES based customers. I had XXXX staked ethereum on Binance, staked ethereum being called XXXX. 

I asked the Binance.com customer support team to provide safe and detailed instructions on how to move my XXXX off the platform Binance.com they did not provide anything to help. 

I was forced to move my assets to an unsecured platform where my assets were stolen. 

I am seeking reimbursement of XXXX ethereum
Consumer complaint received 2021-07-12
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. (NC)

I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is XXXX me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your help/
Consumer complaint received 2021-07-12
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. (TX)

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX  XXXX  ) placed on my consumer report by XXXX XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-21
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I refinanced my mortgage in XX/XX/2021 with 20 % equity in the loan and did not want to escrow my insurance and taxes as indicated in my loan documents and permitted under the law given the amount of equity I have. Lakeview Loan Servicing set up escrow, and I requested a few months ago to cancel the escrow after Lakeview increased the escrow payment by XXXX per month to establish an additional reserve amount in the account. Lakeview communicated that the loan requires escrow for five years. I requested that they provide proof that the loan documents contractually require me to escrow. After numerous phone calls to the escrow department, including three transfers to the escalation department, Lakeview has not been able to locate a contract document that requires me to escrow, yet continues to refuse to cancel the escrow. The escrow payments are causing me damages of over {$1000.00} per month.
Consumer complaint received 2022-06-21
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-12
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-12
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: Nelnet, Inc. (TX)

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I do not owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes does not have my consent to furnish my Consumer report or share information with anyone. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Consumer complaint received 2021-07-12
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. (TX)

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX ) placed on my consumer report by XXXX XXXX and Transunion. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in the beginning of XXXX I had a job offer that was a very high promotion ; a week and a half later I got denied the position and they told me it was based on my credit profile I havent checked my credit report in years and when I did I found major inaccuracies and accounts that I never opened or filed so I start contacting the creditors and also start contacting the credit bureaus on my behalf and I kept getting no progress this has not only been XXXX  for me having XXXX XXXX and XXXX XXXX but also XXXX  for my family because I didnt get the promotion that my family needed ; this is my last resort and try getting off the inaccuracies off my report and try to better my life and make ends meet after this terrible pandemic situation that hit us early of XXXX. Not only was my FCRA violation that they disclose my credit profile to an employer without giving me written consent and another FCRA violation of 15 USC 1681 I with the disputed inaccuracies after a few times disputed I dont know what else to do..
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (FL)

I have disputed the validity of 7 different accounts with Equifax by mail. The accounts are still being negatively reported on my Equifax credit report even though all of the creditors have and are violating the FCRA. Proof that the creditors did not validate my debt was sent along with a letter requesting that Equifax investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Equifax headquarters, and was received on XX/XX/XXXX. No response from them has been received and it is well beyond 30 days. My credit report also still shows all of the negative information that can not be validated.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I opened up a TD checking account online on XX/XX/XXXX and received a confirmation email stating that everything was ready to go. 

On XX/XX/XXXX I transferred my payroll and several auto-pay accounts to use my TD checking account. 

On XX/XX/XXXX, I visited the XXXX XXXX branch at XXXX XXXX XXXX and spoke with XXXX XXXX to deposit cash into my account. During this conversation, XXXX alerted me that my account had been placed on hold because TD wanted to verify it was really me that had opened the account. This would automatically decline any payments made from my account. 

XXXX explained she had added notes to the system to remove the hold and that she would call me to confirm when the hold had been removed. She did not call back. 

No digital communication had been given to me about this issue. In fact I had received confirmation that my account had been successfully opened and funded on XX/XX/XXXX. 

This cause an auto-pay from XXXX to be declined. I am now being assessed a penalty by them due to TD Bank not communicating that this hold had been placed in my account. If they had done so, I would have maintained the XXXX auto-pay with my old checking account at XXXX.