davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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. (TX)

i wrote the bureaus, transunion being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what transunion and XXXX did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX  '', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.
Consumer complaint received 2022-02-13
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)

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 ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION (MO)

I'm not swayed that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on CHECKNGO/AXF with account number XXXX.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. XXXX15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Co account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (WA)

So today ( XX/XX/2023 ) I tried to log in to my penfed account to pay my credit card only to be kicked with the message I have been blocked on loging to the account. When I called pendfed I was told they need some documents for me to prove I am who I say I am. This resulted in a 2 hr on the phone with me sending in a copy of my passport, driver license, vehicle registration, vehicle title, social security card, Government work ID badge, nexus card before this could get resolved. 

The thing is per the law Banks and credit unions are required to verify your identity when you apply to open an account. This account was opened over a year ago and I have two credit cards with this company that are down to XXXX owed on them from XXXX. They had all that information on file so instead of harassing customers by trying to make it so they can not make their credit card payments they should look at their own incompetence. 

Identity Authentication - XXXX
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

XXXX credit card placed a late payment on my credit report. My late payment was due to me being ill with XXXX  and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to zero. I am asking that XXXX delete the late payment from my credit report since I have never been late paying them in the pass. 

Thank you for your consideration.
Consumer complaint received 2022-02-13
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

This is a formal complaint against CAINE AND WEINER located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, CAINE AND WEINER has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are 19 total inquiries on my transunion credit file that I was told were removed by them but there still showing I havent applied for any credit from any of these 19 companies
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am not an attorney. This is regarding my personal consumer file and my federally protected rights as a consumer according to the FCRA and FDCPA. I assumed the vital role of my life/consumer file and opted to request a debt validation from Toyota Motor Credit sent on XX/XX/XXXX and received by them on XX/XX/XXXX. Not only have they actively ignored my request for validation and exceeded the 30 days I gave them to provide validating documents, but they've also disregarded my Cease And Desist letter and continue to communicate with me by furnishing negative items on my consumer report as well as through other mediums. I still haven't received a response and as of today XX/XX/XXXX it has been 159 days later. I gave them more than enough time to find what they could muster up. I expressed in both pieces of documentation that if they were not going to validate the alleged debt ( rather than verify it ), then they were to delete all references regarding the alleged account and completely remove them from my credit file. I expressed that during the validation period, pursuant to 15 USC 1692c ( c ), that all collection activity must cease and desist. They have continued to demand money from me and threaten me with negative/false consumer reports even though I never gave them permission to use my personal private information to report anything to any consumer reporting agencies. My Social Security Card is considered a credit card according to 15 USC 1602 ( l ). My consumer credit transaction with them involved my credit card. As stated in 15 USC 1681 a ( b ), any authorization or approval deriving directly or indirectly from a credit card should be excluded from a consumer report. Also, any obligation authorized through a credit card is an obligation assumed by, and deferred to, the United States according to 18 USC 8. Further evidence that the alleged debt does not belong to me. 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Toyota Motor Credit has violated me in many more ways and are ruining life opportunities for me by consistently reporting fraudulent and inaccurate information. You will see in the pictures that I include that they quite literally report the same monthly payments as both on time to some agencies and late to others- clearly inaccurate and false. I am demanding that they either reflect positively on my consumer files or completely remove themselves from any and all files associated with the characterization of my credit. As well as monetary relief as outlined in my documentation, and the title to my vehicle lien-free .
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (FL)

The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.
Consumer complaint received 2022-02-13
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)

Dispute started on XXXX XXXX, when a USAA employee refused to provide a copy of our auto insurance card to enable Dealership to expedite the issue of a loaner vehicle, since the recall repair will take longer than originally planned. The circumstances were explained to the individual named XXXX, and more than sufficient information was provided with more offered specific to my identity as the policyholder, i.e., full name, address, telephone number, year and make of vehicle in service and name of Dealership she can email a copy of the current insurance ID card. She refused and threatend to hang up while I try to continue to convince her of the situation. I asked to speak to a Manager she refused to connect me to one. The two employees at the counter were witnesses to my frustration with this XXXX with their unbelieving facial expressions and offered to speak to the employee. 

Sent a written complaint to USAA, with copies to top level management including the CEO. No response, no apology. Instead, they placed a BLOCK on our USAA issued credit cards and an attempt to use one XXXX was declined. I cut the cards into pieces and trashed them. We also canceled our home and auto insurance policies, at which time also discovered that our collision coverage for the XX/XX/XXXX XXXX was deleted without our knowledge, without notice and disguised with a small decrease in total premium that insurance companies were doing due to less traffic and the pandemic. 

I sent a detailed statement and a demand for a refund of two policy periods of overbilling and the unused prepaid portion of canceled auto policy. Also proposed that they use the credit and total refund owed to me and use that to pay the {$330.00} card balance and send me the remaining credit balance as a refund check. 

As of this writing USAA have not taken any steps to resolve this issue. USAA continue bill me for the {$330.00} XXXX account with interests. When the bottom line is USAA owes us a refund of {$120.00}. should a basically knowledgeable accountant can make a bookkeeping entry of debiting the insurance account and crediting the XXXX account and refunding or billing the difference as applicable. 

I also informed USAA to close all my accounts that have terminated our business relationship. They ignore this also, we continue to receive advertising and promotional offers on different subjects, such as retirement, financial management, use of credit cards. USAA marketing to the military and military community is not well organized and to me have a prevailing culture of incompetence in the organization with perceivable corruption at the very least in their insurance operations. These compounding issues have not been addressed by Management going on seven ( 7 ) months
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX checking accounts with Bank of America, XXXX is my personal one I have had since XXXX and the other is a shared XXXX my mother added me to at the start of XXXX. Between the XXXX accounts, Bank of America charged me {$3700.00} in NSF & Overdraft fees during the XXXX calendar year, as well as {$7200.00} in " Other Service Fees '' most of which were " International Transaction Fees '' at a rate of 3 % for purchases of cryptocurrency using a debit card rather than ACH transfer to a cryptocurrency exchange. Interestingly not all banks seem to charge that fee at all for such purchases from the same exchanges, and also interesting is I get charged that fee even from Coinbase exchange purchases which is a domestic and publically traded California based business. I feel at the very least I deserve an award for accumulating so much in international transaction fees during a year my passport was expired and that I had never even left the state of California. There are clear reasons why using XXXX transfers creates much more risk with crypto purchases though which is why I avoided using that method to make those investment purchases and I can explain those reasons if you ask me to. I recently contacted Bank of America to complain about the more than {$10000.00} in fees they took from my accounts in XXXX, and they refunded me around {$370.00} to make up for it.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: REGIONS FINANCIAL CORPORATION (OK)

It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX. 
The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect. 
It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.
Consumer complaint received 2022-02-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and Experian report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to Experian, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and Experian. 

For the past 3 years I have been submitting dispute after dispute to Experian and XXXX concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from Experian or XXXX. Instead I just keep getting generic computer generated responses.
Consumer complaint received 2022-02-13
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)

After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-07-18
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. (NY)

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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