davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

DATE OF LAST REQUEST : XXXX XX/XX/XXXX I have attempted for approximately 1 year and spoken with several agents and the USAA Executive resolution team to get my debit card for an account ending in XXXX to read XXXX XXXX XXXX XXXX XXXX. I have been with USAA for more than 20 years, and USAA representatives have verified that my card reads appropriately ; " they also verified someone removed it before it was shipped. '' I received my other card and had no problems with my name displaying correctly as this is how my cards have displayed since approximately XXXX, more than 10 years. 

I have expressed to USAA on multiple occasions that someone internally has been tampering with my account because several unexplained occurrences have occurred. 

It is disheartening that I have to go so far as a Consumer Financial Complaint on USAA to have my concerns taken seriously. The multiple complaints made about someone continuously tampering with my account, from removing coverage from my insurance when I had USAA Insurance to locking my account. There still has been no resolution, and I continue to be harassed with passive-aggressive antics by what I deduced is an employee, as they are the only ones who would have this access. 

The complaints I have made over the years ; USAA, on XX/XX/XXXX ; sent a members notification titled " Imposter Scams Are On The Rise, '' advising its members that individuals are posing as USAA Representatives ; confirming some of what I continued to express to USAA over several years ( e.g., receiving calls from USAA asking information, documents being sent asking information does not look like USAA correspondence ). 

At this point, I take it as disrespect as I have been a loyal member for more than 20+ years ; and have received multiple cards with my name reading correctly on my other account, even " after '' requesting it for the account XXXX. 

I requested a call from the Executive Resolution Office to expedite the card that I have been waiting for more than 1 year without charge to my current location. It has been sent approximately 5 times incorrectly after being verified it reads correctly XXXX XXXX XXXX XXXX XXXX before being shipped. 

The other issue with my account will be addressed using external remedies ; this has gone on for too long. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-02-06
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. (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-08
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX  XXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/XXXX I got an email from Bridgecrest I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just received a notification from XXXX XXXX XXXX XXXX  and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with TransUnion, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-09
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Chex Systems Reference ID is XXXX XXXX XXXX Chex Systems is illegally reporting business data on my Personal Chex Systems to support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Louisiana. 
XXXX ) I, XXXX XXXX, have not written any Checks for XXXX XXXX Bank in over 24 Months after discovering that XXXXXXXX XXXX XXXX had illegally allowed XXXX White Women XXXX XXXX XXXX and XXXX XXXX to write checks and to transact business on my business accounts as though they were the owners of my XXXX Owned Business. I am the sole and only legal owner of XXXX XXXX XXXX. I reported to the bank that I suspected XXXX XXXX XXXX pretending to be me, and my business had committed Fraud using my business account XXXX and that the bank had allowed additional accounts to be opened illegally as belonging to me XXXX XXXX. 
XXXX ) I reported that thousands of dollars were missing in my business account XXXX, and I requested a full audit from Branch Manager XXXX XXXX on XX/XX/XXXX - See attached XX/XX/XXXX. Multiple requests were made by email and by phone to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX From XX/XX/XXXX I requested that all Auto Drafts be cancelled, and I requested that the account be closed XX/XX/XXXX and stopped all known merchant drafts. 
XXXX ) Despite several requests from XX/XX/XXXX to today I have not received any notations of a Closed account, or monthly statements from XXXX XXXX XXXX, nor have I received any reports from the Audit I legally requested prior to closing my accounts. 

Please immediately have Chex Systems Remove the False notation from my report from XXXX XXXXXXXX XXXX being fraudulently reported as a Personal Transaction by me XXXX XXXX. I have not done these transactions, nor have I written any Checks that had an NSF that related business drafts are not related to my activity and should not be reflected on my Personal Report. Please investigate all banking transactions at XXXX XXXX XXXX transacted as XXXX XXXX and XXXX XXXX XXXX. I did not receive Monthly Statements, Wire Confirmations, and any information regarding the false data being reported to Chex Systems as of XX/XX/XXXX as mine. These are not and can not be my banking transactions. These transactions should not be on my personal reports. An update must be sent by Chex Systems to all banking authorities requesting my banking details. 

See Supporting Documents attached. 
Thank you, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I sent Credit Acceptance a tender of payment in the form of remittance transfer from your very own payment book that you provided, XXXX XXXX payment ( 15 USC 1693o-1 REMITTANCE transfers ) by certified mail to which you indicated in the first complaint response, that you do not honor legal tenders as well as never sending them back to me, if in fact you claim that you did not redeem. ( 18 US code section 1951 ) Which also proves that your inaccurately reporting that you received no payment is a complete deception. ( UCC section 3-306 ; UCC section 3-307 ). Credit Acceptance continues to insult my knowledge of the Federal Law, Consumer Law as well as Color of Law and Private Law. Fist violating my rights to " '' no obligation to a debt that was fulfilled by my very signature as principal. HJR 192 PUBLIC LAW 73-10. Violation of 15 USC 1611. Credit Acceptance is trying to cover up the fact that XXXX XXXX XXXX committed fraud in several aspects. I have proof for the IRS that I indeed was given another consumer 's transactional receipts and contract. I also have proof that there was no email sent to me with the original contract from XXXX XXXX. They only send a copy of the warranty. I can prove that I never received a copy of the original contract as XXXX XXXX XXXX claims. XXXX XXXX was sent a copy of the information they provided me with which was not a copy of my original contract from our consumer transaction along with my rigjghts ( 15 USC 1692 ( g ). 15 USC 1692 ( e ) 15 USC 1629 ( s ). You were paid and my car should not have been stolen, 18 USC 8 FCA.USC 1692 ( e ) and the 4th amendment.15 USC 1605.Credit Acceptance violated my rights as a consumer and as the living authorized representative of my living being.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Financial claimed they did not receive XXXX XXXX XXXX  of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MI)

Dear Sir or Madam : I would like to draw your attention to the fraud being perpetrated by Ally Bank. 

Last Fall, I submitted a complaint to the Michigan Attorney Generals Office indicating that amongst other things, Ally was fraudulently trying to collect for damages to a turn in leased automobile. In response to this complaint, Ally responded with the attached letter to me and the Michigan AG whereby it stated in the spirit of customer satisfactionand as a one-time courtesy, we waived the {$180.00} excess wear charge. 

On account of this letter to the Attorney General waiving the wear charges, I made certain reliances including that I would not be made to make any payments. However, Ally has gone back on this representation and now engaged both a collection firm and sought to negatively impact my credit report. Section 807 of the Fair Debt Collection Act prohibits the very fraudulent conduct being conducted by Ally.
Consumer complaint received 2023-02-02
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: Grow Credit Inc (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name : GROW CREDIT 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-28
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. (AL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX  XX/XX/XXXX should NOT change until the new Insurance policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from XXXX  where did it go? 
Enclosed is the Escrow disbursement from SPS CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
I have talked with first key who owns my mtg and they too have reached out with no resolution. My insurance company XXXX contacted SPS XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... SPS REFUESED TO PROVIDE ANY INFORMATION!!! WHY?
Consumer complaint received 2023-02-01
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: I.C. System, Inc. (TX)

Upon review of my credit report from all XXXX credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate. 
XXXX5 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions. 
I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.
Consumer complaint received 2023-02-01
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: BELMONT FINANCE LLC (NC)

Belmont Finance XXXX XXXX XXXX XXXX both did a HARD inquiry on my credit which I did NOT approve. Both of these inquiries were done on XX/XX/2023.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has contacted me repeatedly concerning a debt owed to XXXX XXXX XXXX XXXX. I attempted to have them validate my debt and they have ignored all correspondence. 

XXXX XXXX XXXX XXXX billed me for an emergency medical visit by a doctor. I was never treated by the doctor. I requested medical records and they immediately sent the debt to collections. There is another business currently at the address they list. They have sent me several billing letters and the name of the doctor changes from letter to letter. 

I have multiple times asked CMRE to validate the debt and to give me some information that would indicate that XXXX XXXX XXXX XXXX is not a scam. They have ignored every letter.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Scratch Services, Inc. (ID)

I received a letter dated XXXX XXXX from Scratch Services LLC XXXX XXXX XXXX XXXX California XXXX The letter stated I was in " default '' for a XXXX loan offered within XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The amount of the loan was XXXX due by XX/XX/XXXX with threats in the letter of legal proceedings if not paid by the XX/XX/XXXX date. I have no idea what this is. I have never applied for a loan of this type and have never received ANY money from XXXX XXXXXXXX XXXX or Scratch LLC. I do not own or operate a business of any kind. I have attempted on several occasions to contact XXXX XXXX at the number provided on the letter I received ( ( XXXX ) XXXX to discuss this matter but have been unsuccessful. My most recent attempt to talk with XXXX representatives was this morning ( XX/XX/XXXX ) where I was on hold ( once again ) for over an hour before finally hanging up. I also sent an email today ( XX/XX/XXXX ) to the email address listed on the letter to XXXX communicating to them basically the same information I am currently communicating to you. In the email letter to them I requested they take immediate steps to investigate & correct this fraud attempt. Unfortunately, I have experienced identity theft in the past and have worked hard to protect myself from this type of theft / fraud. I do not want something like this to damage my credit rating or my name. If you can please investigate this fraud I would appreciate it a great deal.