davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

My husband has been a member with USAA for almost 28 years. We made an international purchase, or tried to ( from a place I've ordered from before XXXX  ) we verified PRIOR to pressing the process payment button through XXXX  AND also verified after with USAA it was NOT a fraudulent charge when we recieved the text to confirm that... YET the charge was still declined ..AND our account is now under " review '' for fraud. We can't access our money or even look at our accounts now for who knows how long ( They say 3 buisness days, but I've seen ALOT of concerning comments regarding this and it seems that's what it starts as 3 but that time gets longer ) even after verifying multiple times this was a purchase WE were trying to make. AND Now we have about 8 bills that aren't going to go through because we can only conviently make deposits into our account. I probably would get this review alittle more~ if there was maybe actual fraud to look into... But we had verified multiple times now IT WAS US . And what's really annoying my husband was literally on the phone when they apparently decided to lock us out of our accounts completely. So it seems, we're basically just waiting on someone to unlock our account now for a charge that was verified multiple times to be our own. And in the meantime we don't have access to our funds and multiple bills we will be paying fees for when they bounce or don't go through because USAA is only accepting money INTO our account. And all this for a purchase we did everything we had to TO verify we DID MAKE. ( OR TRIED TO. And the purchase never went through either. ) Apparently nobody can do anything about this to speed the process up ... .Or at least we can't speak to anybody who actually can. When I call the automated system it says my information isn't recognized either .... Like I don't exist anymore in their sysyem. But our direct deposits sure are still hitting just fine... Funny thing ... Last month we had about 20+ charges to XXXX to our account back to back ... .That didn't trigger a " review '' or even a block. This though ... .A international charge to a buisness I have purchased from before AND verified with VISA verification prior to pressing process AND through USAA verification AND verifying by phone with a person ... That does.
Consumer complaint received 2022-04-05
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. (WA)

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that Experian, XXXX and XXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that Experian, XXXX XXXX and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Experian, XXXX XXXX and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave Experian, XXXX XXXX and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. Experian, XXXX and XXXX XXXX has caused me severe stress and anxiety due to these abusive and unfair practices.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, NM, XXXX To : The Office of Registered Agent for Account Resolution Services From : XXXX XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members , possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXXour business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Spring Oaks Capital , LLC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate By : XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (NY)

Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

I was contacted by a friend on XXXX who asked me to invest in her company. I was reluctant but thought why not help an old high school friend. She asked me to invest three-hundred dollars into her company and that she could give me a return on my investment in the amount of XXXX XXXX XXXX XXXX dollars. I asked XXXX XXXX, XXXX XXXX, and XXXX XXXX who called me from a XXXX  phone number ( XXXX ) XXXX a few questions, and I was assured that it was not a XXXX scheme. Well, I sent the money through Paypal, and the next thing I know I had some other person named XXXX XXXX  who received the funds instead of my friend XXXX XXXX. I contacted XXXX XXXX, and she claimed that her account had been hacked and that it was not her in a video from the company she represents advertising for them. I showed her the video that she sent to me asking me to invest in her company. She again said that her XXXX account had been hacked. She never apologized or returned the funds to me. I contacted Paypal and opened a dispute, and reported by bank card stolen. I am asking if you could please look into this issue of fraud? I would also like XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX brought up on charges of fraud. I don't want XXXX XXXX or her associates scamming anyone else out of their money. They are using Paypal and the XXXX to scam friends and associates into investing in a company that does not exist.
Consumer complaint received 2022-03-15
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-15
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX ], XXXX XXXX XXXX XXXX XXXX Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-12-08
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: AMERICAN EXPRESS COMPANY (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-07-23
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX have 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 2022-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I went to Wells Fargo ATM XXXX At XXXX XXXX XXXX XXXX ga XXXX and made a cash deposit of {$8700.00}. For Some reason, the atm took all the cash. I tried to cancel the transaction, but the atm wasn't allowing me to get my money back. It was late at night and the was a line of cars behind me which caused me to be anxious and patiently wait to make sure the money wasn't going to come out of the atm. I Called Wells Fargo as soon as I drove off to let them know what happened and they said they're going to investigate. In the car with me was my husband and my mother, I received a letter in the mail that after the investigation, the amount I supposedly deposit was {$4400.00} which is false. I don't seem to understand how the atm took an additional {$4200.00} and it not be in the atm or counted correctly. Normally with cash in the atm they go based on ATM being out of balance. So if ATM was out of balance only $ 4k thats probably why they only did that credit. The banks and atm have cameras they could possibly check the cameras because I'm missing half of the money that I deposited. Investigation was closed without them telling me what they did or use to complete the investigation. I Called them and they said the case was close they couldn't re-open those type of cases. So I submitted a complaint with the line of executive waiting on them. 
Today on XX/XX/XXXX they're going to deduct from my account {$4200.00} provided to me earlier on XX/XX/2022 to complete the {$8700.00} that I deposited I would like a further investigation to be done and the refund of my money
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

My servicer is Nelnet which has now just sent me a bill for {$270.00} dollars after calling me several times regarding my " Lack of payment '', despite me sending a payment every pay period ( approximately every 2 weeks ), every time they call I explain that my pay period and amount of my paychecks preclude me from paying once a month. The person on the other end always says no problem, they will make a note of it, but the cycle repeats every month. Today ( XX/XX/2021 ) I received a bill from them for {$270.00} for payments not received. I'm tired of these bills and calls, not to mention that it will affect my credit rating. 
In a few weeks I will also be moving and greatly fear what is going to happen after my address changes.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Based on, 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file consumer that the consumer identifies as information that resulted from identity theft, not later than 4 businesses days after the date of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 Section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting that provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this actually an account that belongs to me. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.