davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

On XX/XX/2020, I recevied a phone call from USAA about suspcious activity on my account. I was busy and did not see my phone ringing, I phone USAA back within the hour. I was told by the banking representative that day that XXXX dollars was transferred out of my account via XXXX. We ( me and that representative ) walked through the steps of securing my account again and submitting a fraud investigation in order to have my funds returned to me. On XX/XX/XXXX, I spoke to another representative from USAA about my acccount having a restriction on it that only allows the deposit of XXXX dollars at a time over mobile deposit, I learned then that USAA had determined the previously mentioned XXXX fraud claim as my responsibilty and was punishing me for it. That representative and I opened a appeal of that fraud claim, I was sent a notice on the XXXX that once again, they determined that no fraudaulent activity has been found. I phoned in again today ( the XXXX ) to ask for the documentation supporting their decision. The documentation was unavailable and i'm waiting to receive it.
Consumer complaint received 2022-08-20
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: Radius Global Solutions LLC (MS)

In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am contacting you because I have a fraudulent Item on my credit report I sent in a identity packed in it's been over 30days and the item is still on there I would like this issue resolved as soon as possible.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX FOCUS FINANCIAL SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested, on line, for my free credit report and Trans union kept redirecting me to a page that requested my credit card number. I eventually reasoned that they needed this information as part of the I.D . info they needed to verify my identity and was signed up for credit protection service. I canceled the service within an hour and they charged me for a month of service, no cancellation offered or refund. They offer no way to correct this on line, and I could not find a phone number for Trans Union on their web sight. I XXXX the phone number and called them. I spoke to a customer service representative and she told me that I would have to call another phone number. I repeated the phone number and she verified that it was correct. When I called the number it is for the sales of a emergency medical device and nothing else. The person would not stop taking and I hung up on them and called back. This time I responded no to the question " are you or someone in your family XXXX or older '' When I responded " no '' the I was disconnected. I tried to call back again and received a recording that the phone number could not be made from my service area. Trans Union at best is a fraud company themselves using unethical business practices.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have XXXX XXXX with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (TX)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (CA)

Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.
Consumer complaint received 2020-07-28
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. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (MO)

XX/XX/XXXX I disputed a collection account XXXX XXXX XXXX, on my Equifax online stating it was not mine/no knowledge of this account. XX/XX/XXXX I received a response back stating remains/verified *but with no status date. * Which indicates no investigation was done. XX/XX/XXXX Mailed a dispute letter for collection accounts XXXX XXXX XXXX  XXXX. Mailed a redispute for XXXX XXXX XXXX. To this day XX/XX/XXXX still have not received anything well pass 45 days. XX/XX/XXXX Redisputed online about XXXX XXXX XXXX. XX/XX/XXXX Received same response remain/verified but with no status date. Which means no investigation. Called Equifax on XX/XX/XXXX re-disputed XXXX XXXX XXXX with representative. Received the same response by mail with no status date. No investigation. XX/XX/XXXX Mailed re-dispute for XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XX/XX/XXXX Spoke with a representative today explained my situation that no one is investigating they are just sending me information or nothing at all, I feel to be quiet. I am only asking for my information on my credit report to be accurate. She began to tell me she couldnt delete my information. I explained to her I know my rights if there is any inaccurate or incomplete information on my report then it has to be deleted. I politely ended the call when she kept reminding me what she couldnt do. Which is the same thing I been complaining about them not doing a proper investigation. So now Im filing a complaint with you to hopefully assist.
Consumer complaint received 2021-09-25
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)

My Direct Express Mastercard, issued by Comerica Bank, in which my monthly Social Security XXXX Benefits are deposited was stolen in XXXX, XXXX in XXXX XXXX, California along with my ID and cell phone. Having no resources, I went to stay with a friend in XXXX XXXX where I was assaulted and had to have XXXX XXXX on XX/XX/XXXX. Five days after the XXXX, I was transferred to a XXXX XXXX XXXX XXXX XXXX  also in XXXX XXXX where I was until XX/XX/XXXX. I tried many times to call Direct Express to report my card stolen but could not get through for 3 weeks because they had a problem where the main menu to report a stolen card was not working and I would be transferred to an operator where I would wait up to 4 hours to speak to someone. I finally got through on XX/XX/XXXX and requested a new card and filed a fraud dispute for transactions totalling {$2100.00}. I faxed the documents they sent me back within 10 business days but they never issued me a provisional credit as stated in their letter to me. I also faxed them proof that I was in the XXXX and the XXXX XXXX XXXX in XXXX XXXX when the fraudulent charges were made, which were all made in XXXX XXXX and one was made in person at a XXXX in Texas! I ALSO POINTED OUT TO THEM THAT ALL THE FRAUDULENT TRANSACTIONS WERE MADE USING MY STOLEN CARD AS A CREDIT CARD AND NOT AS A DEBIT CARD ( as I have always used it ) BECAUSE THE THEY DID NOT HAVE MY PIN NUMBER SO THEY COULD NOT USE IT FOR ANY DEBIT CARD TRANSACTIONS. Again, I called every day for a status update but was always placed on hold for 3 to 4 hours. I finally got through to them today, day 40 of the investigation and was devastated to be told that they denied my claim due to " conflicting '' information and that their decision was final and that I would get a letter in the mail within 5 to 10 business days and that there was nothing I could do about it. No appeal. I provided them with overwhelming proof and evidence of these fraudulent charges yet the denied my claim. And I lost money because I could not get through to them to report my card stolen because of a malfunction in their telephone system. I am incredulous, devastated and in shock that Direct Express would do this to me. Especially with undeniable proof and evidence provided to them. I truly believe they deny all fraud claims because I have NEVER heard of anybody ever being credited back money on their Direct Express card that was stolen from.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

After I updated my phone number online Wells Fargo effectively froze me out of my account just before I needed to wire funds for a property purchase. I called in and the agent said I had no option to rectify the situation other than driving to a branch, or to wait for an indefinite time for their tech services to fix the issue. The agent offered no substantive solutions including offering to expedite the issue with tech services. I then said I understood that he couldn't do anything to help me, but that I wanted to file a complaint. He said I would have to wait an indefinite time to speak to the escalations department just to file a complaint. It is pretty embarrassing that a billion dollar company operates this way. They hold hundreds of thousands of dollars of funds I need to purchase property and prevented me from actually using it. There must have been some other option to verify my identity. Instead they simply did not care.