davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (GA)

There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX in XXXX of 2022. This has caused my XXXX XXXX to drop and my interest rate to raise on my mortgage.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I got sublease scam. 
I sent XXXX dollars to guy named XXXX XXXX, sublessor, as a deposit on XX/XX/XXXX and another XXXX dollars to XXXX XXXX, landlord/agent, in 2 differnet transactions as a 1 month rent through Zelle. I sen XXXX dollars first on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX. So total of XXXX dollars. 

I reported to XXXX XXXX  and they said they will file a report and investigate but chance of getting money back is very low. 
Zelle says there is nothing they can help with it, so just contact my bank.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (SD)

American Express account reporting that account was charged off in XXXX and XXXX of XXXX. Account was paid in full in XXXX of XXXX. Charge off reported at that time. On XX/XX/XXXX looked at account and charge off had been moved from the XX/XX/XXXX to XXXX of XXXX therefore dropping my credit score XXXX points. This is hurting my credit score and report.
Consumer complaint received 2020-06-01
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)

Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I borrowed XXXX from XXXX XXXX  and had made {$800.00} worth of payments so far. I checked my balance and I still owe XXXX plus. In Ohio predatory lending is illegal and so are vehicle title loans. I would like my interest to be at a 36 % APR which is the max that can be charged in Ohio. I believe my rate is over 700 % at this time.
Consumer complaint received 2020-06-01
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)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2020-05-31
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. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America no longer issues temporary debit cards. In an increasingly cashless society ( since Covid places straight up refuse cash ), I am unable to access my money for up to 6 business days. This is absurd and should be considered criminal. The only thing they offer aside from pulling cash is a virtual card on my phone which I will not do after the hundreds of leaks from hackers.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

To : Direct Express Re : Disputed transaction denied Date : XX/XX/2020 To whom it may concern, On XX/XX/2020 a fraudulent debit was made to my card in the amount of {$790.00}. to a merchant named XXXX XXXX ( apparently a tattoo parlor. ) I am a SS recipient so this loss impacts me greatly. I filed a dispute on XX/XX/2020 when my loss was noticed. On XX/XX/2020 my claim was denied.and the only reason given was " conflicting information ''. I can't imagine any conflicts as my written report of details was straight forward .. Since the call center would not give me details of their findings I have no idea how my account information was obtained by criminals. I can not imagine that it was my fault. My information was not obtained by my carelessness or willful disregard of safe card handling practice. I do not keep any card information nor my SS number on my computer. I always use padlocked secure websites to make purchases and I do not have my pin information written on my card .My card is always carried in my wallet which has a security chain to my belt loop. No one has ever been given my card for use and no one has ever been given my card number or pin..My SS number has only been given to you and the federal government " get my payment '' website. I can not tolerate a debit card which is so easily accessed by thieves with no re-inbursement possible. Unless I receive a prompt re-inbursement for my loss I will have no choice but to take this matter up with XXXX, Comerica, SS and the U.S Treasury. I am shocked and furious over my loss. They stole the better amount of my stimulus check through no fault of mine! Thank you for your attention in this matter once again.. 
Sincerely,
Consumer complaint received 2020-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/XXXX my lease on my XXXX XXXX XXXX was up. I had called Ally XX/XX/XXXX to extend my lease 3 months. Everything was fine. I had filled out the pay work sent it back. They revived it with a payment of XXXX dollars on XX/XX/XXXX for the first month of the extension. I never received the bill for XXXX, I called and spoke to multiple people who told me it would be 3-5 business days and never received it. For XXXX they had sent me a letter saying I had never paid for XXXX and they had applied my money to other fees and that were reposing my car. They ended up taking the car from me and now I have bad credit
Consumer complaint received 2022-07-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (AZ)

In XXXX of XXXX my XXXX XXXX XXXX was repoed by Ally Financial for delinquent payments. During this period I never recieved any paperwork or breakdown of what they had resold this vehicle for. XX/XX/XXXX I recieved a call from XXXX XXXX about the debt that I had with Ally Financial. XXXX XXXX and myself had settled on a contract of XXXX dollars and monthly payments of XXXX dollars every eleventh of the month until I recieved my taxes to pay of the remaining settlement. XX/XX/XXXX I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because bthey were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. 

In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/XXXX and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a XXXX and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (LA)

Apple Card ( Goldman Sachs ) continues sending me statements with a balance that does not make sense, even after I closed the account and paid the amount that THEY told me was the total balance in full. In other words, the balance is more than the net sum of credits and debits. They seem to have messed up and installment purchase at the XXXX XXXX. In any case, even after paying the total final balance in full - more than I thought i owed -- they are still saying it's not done. 

This started in XXXX and after I got a statement that was impossible to understand. The math didn't ' add up -- by their own admission. I talked to 3 different reps and none could solve it. After one call in XXXX that lasted 2 hours -- I finally agreed to pay of the entire thing including the installment purchase in full and close the account. Even though the total seemed too high and didn't make sense. I wanted to be done with it. So I sent payment on XX/XX/XXXX and the account was closed. 

Now, 2 months later I am being sent emails saying I owe more. So today, Sunday, I spent 2 more hours on the phone with a rep. We went through transaction by transaction and it showed I had paid MORE than the total of my expenses. ( Each bill was paid in full each month - other than the 0 % interest installment purchase at the XXXX XXXX ). So this has nothing to do with accumulated interest charges. I paid the bill in full each month. 

She was very helpful but even she couldn't figure it out. By her own admission it didn't make sense. She went to get a supervisor - and I end up on endless hold. And after another hour of waiting on the call, she never came back and abandoned the call. So no resolutions. 

I would be willing to pay the balance they say I owe - {$130.00} if I thought it would go away and end the matter. But that is what I did in XXXX and that didn't work. I am quite sure that I could send the {$130.00} and next month I would be asked for more. 

Goldman Sachs can not reconcile my statement to the sum of transactions and payments. I have no confidence in their ability to resolve this so I am looking for help.
Consumer complaint received 2022-07-21
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. (CA)

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00}
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00}
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collections Acquisition Company, Inc. (CA)

The account reports it was open on XX/XX/XXXX. I was notified via credit alert in XX/XX/XXXX about the account. 
I canceled a service with XXXX XXXX XXXX  in XX/XX/XXXX. I was aware I was sent to a collection agency. I emailed the XXXX director on XXXX XXXX who stated that I was charged for XXXX despite canceling the service. She also stated in the email that the record will clear once the balance was paid. 
I reviewed all of my informed delivery notifications between XXXX and XX/XX/XXXX and I do not have anything from CyberCollect/Payliance. I emailed them on XX/XX/XXXX informing them I did not receive any notices and I am willing to pay provided the account is removed from all 3 bureaus. They did not respond.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-05-31
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. (FL)

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.