davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received my federal student loans on or around XXXX XX/XX/2022. After receiving the check via mail, I deposited the check for {$4700.00} via the USAA app. My money was put on a temporary hold, as is customary, and all funds made available after a few days. I spent the majority of the money furnishing my house over a 10 day span, at which point my debit card stopped working while getting groceries. 

USAA had not notified me of this issue, and my account showed no notifications or messages telling me what was happening ( it still doesnt. ) My emails had nothing from USAA aside from insurance payment info and spam. The only thing that let me know something was wrong were the words Balance Details Unavailable where my account value should be. 

I called USAA and after an hour on the phone, was told that I was under fraud investigation. When I asked why, the check was given as the reason. I asked why that would happen, because the check was from my college. The woman on the line did not know, and was as confused as I was. After some investigating online, I found similar cases - USAA locking customers accounts after depositing large checks. The checks go through on both ends, but USAA kicks them back regardless. 

Its been a week and I have no access to my funds. I have also been told that the check might be returned. Unfortunately, I have thrown away the original and will likely have to start the process of getting a new one. I am currently not able to pay for groceries, gas, or my sons daycare, which debits my account every week. In the event my check is kicked back, my account will be XXXX of dollars in debt while I wait for a new check. My XXXX XXXX housing allowance will go into my negative account, which means I will have no money for rent or utilities. If the check is not kicked back, I am still going on week two with no access to money that I signed for and that was cleared by both parties. 

My parents have banked with USAA my entire life. I chose USAA right before going to basic training and have been a loyal customer for the last seven years, both banking and insurance, but after this I will likely switch.
Consumer complaint received 2022-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 my file at Experian is 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 items 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. Please remove the late payments from this account : XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-24
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. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX  Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XX/XX/XXXX, XXXX paid Santander the amount for my XXXX XXXX XXXX, because it was declared a total loss. Santander cashed the check on XX/XX/XXXX. Unfortunately, Santander is still trying to charge me for the amount of the car and it has already been paid.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

For my US bank cash back credit card, I signed up the cash back deals to get {$15.00} back after making a purchase on XXXX. The deal expired in XX/XX/XXXX and the purchase was made in XX/XX/XXXX. From the description of the US bank website, I was supposed to receive the {$15.00} 7 days after XX/XX/XXXX. But its the end of XXXX, still see nothing. Called US bank card customers service, got transferred back and forth to several people, no one in the bank knows how to fix it. After spending hrs on the one, they are still unable to resolve the issue.
Consumer complaint received 2022-11-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (PA)

My mortgage company movement mortgage is refusing to release the insurance check for a claim for damage done to my house. At the time the check was sent to the mortgage company from our insurance company XXXX the insurance adjustersummit adjuster/company because was behind in the mortgage at the time. However the mortgage company claimed that as long as the mortgage was paid up to current the funds would be released. The mortgage has been paid up to current and they only released {$3700.00} which is 25 % of the total and the public adjuster took their portion which was {$3000.00}. So there is currently approximately {$9000.00} still owed. My house has been in shambles for XXXX  months now, I have XXXX children including a XXXX XXXX XXXX that cant play or go anywhere in our house because of electric wires and etc, mold that we tried to kill but its on the exposed walls and we cant replace because we do not have enough money to do so. They asked for a letter requesting the remaining funds be sent to me through the adjuster and we did as so. So now we did that and the mortgage is paid up to date, they wont release the funds because at the time of the claim the mortgage was behind and we made sure to get it fully paid up to date immediately and did so. This is not right and they continue to tells us to pay for it ourselves then theyll release the money. Please help us this is not right or humane. Weve done everything asked for and our house is destroyed. The holidays are coming up and our children dont have a clean or safe house to do anything in because of this mortgage company.
Consumer complaint received 2024-09-02
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. (CA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC (TX)

There is my complaint In the first payment letter at the closing cost, in XX/XX/XXXX, the monthly payment at our escrow account includes properties tax, insurances, principal and interest and starting on XX/XX/XXXX ( See attached pdf firs payment letter ) are the following : - Principal and interest : {$1.00} XXXX - Property tax : {$490.00} - Hazard insurance reserve : {$47.00} - Mortgage insurance : {$95.00} - Total monthly payment : XXXX On XX/XX/XXXX, we got another letter from XXXX XXXX and suppose they act on behalf of XXXX for the adjusted money to pay : - Principal and interest : {$1.00} XXXX - Escrow taxes and insurance : {$670.00} - Prorated shortage : {$340.00} - Total monthly payment : {$2200.00} As we are new homeowner, some mortgage word such shortage is hard for us to understand. 
So, to understand if shortage amount is for balance due for past or for increased tax or insurance, we called XXXX XXXX for have more information but they refuse give the information regarding the property tax for XXXX and XXXX and ask us see our district tax. 

The district tax let us know our property tax is {$1700.00}. As we currently pay {$490.00} per month as property tax, there is a higher difference between the tax provided by our tax district and that increase our confusion. 
Currently we dont know where come from the shortage as XXXX XXXX is unable give us the info. Tried call XXXX but unable get temps we decide better complaint to oblige XXXX give us written explanation so in the future whe have all info and will not be stressed. 

We want to know : XXXX ) Where come from the prorated shortage of {$4100.00}? 
XXXX ) Can you specify how will if pro-rated shortage is projected tax only or other? 
XXXX ) What is the monthly payment for XXXX  or hazard insurance for XXXX? 
XXXX ) What is the monthly payment for Mortgage insurance for XXXX? 
XXXX ) What is the monthly payment for property tax for XXXX XXXX ) XXXX we have a copy for our property tax for XXXX and XXXX received from tax office? 
XXXX ) There is possible for us to pay directly our property tax to tax office? 

The complaint is only to oblige our lender to provide us the information as this is very unfair pay various tax without know where they are coming from Documents attached PDF XXXX. First payment letter XXXX. XXXX from XXXX XXXX XXXX. Letter from our XXXX tax office Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim.

Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported.

XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXX Ones platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MI)

I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from Experian, XXXX, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

Transaction date and amount : XX/XX/2022 - {$370.00}. 

Someone was able to change their name to one of my friends on Venmo, copy their profile picture and user tag and request money by going through this users friends list. I do agree, I should have double checked the account but Venmo allowed them to completely copy this person 's account. When I clicked on the payment, it did not notify me that this user was not on my friends list and allowed the transfer without any sort of indicator popping up that this user is unknown. Immediately after the payment, the user changed their name again and their account is still active. 

I reported this to Venmo and they denied my claim, stating this payment is consistent with my payment history. This confused me as I have never sent this person money before. The username of the user that received the payment has a completely different name, which they provided in the dispute outcome. The user 's actual name does not match their account info. 

Venmo 's website shows they are aware of this type of scam yet they have put no security measures in place to stop users from mimicking or copying other users accounts. 

I believe that Venmo has acted in bad faith in the review of my dispute resolution and has displayed negligence as they have created an environment that allows people to constantly change the image of their profile which gives them an easy opportunity to scam other users. It is confusing to me as to why Venmo even allows account users to be able to change their username to something that does not match their accounts or social security number. 

I understand if nothing can be done but since Venmo is such a big company with millions of individuals personal information, I believe they should be held accountable for their lack of security measures which have led to a dangerous environment and should at least share the responsibility of scams that are occurring. 

Right now, you can change your name and username as many times as you want and I believe this creates an unsafe environment.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Global Lending Services LLC (PA)

Purchased a 2017 XXXX XXXX XXXX with the organization XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX NJ in XX/XX/202. VIN # XXXX I was provided XXXXXXXX XXXX when the car was sold. A little over 1 yr I was in a minor finder binder when my car was hit by debris ( tire thread ) which caused some minor cosmetic damage to the vehicle. When I took the vehicle to be repaired the auto collision that my insurance provider recommended began to do the repairs they discover additional damage that was not done by my accident on the other side of the vehicle that they considered irresponsible of the dealership to have sold me an unsafe vehicle. The reinforcement bar as well as other structural components of the car which is designed to crush in a specific manner to ensure the occupant is safe in a crash was compromised from the previous impact to the front end. The reputable collision center specialist opinion said that the vehicle would have not been able to sustain another impact in that era. 

" Good morning XXXX, Attached is a copy of the estimate on the additional damage that you authorized us to repair on your vehicle. I looked over the XXXX you sent me and there was nothing about recent front right damages. Your car was involved in two accidents with the original owner, left front and right rear side. It looks like they sold or traded the car in after the second accident. 

Somebody had to have replaced only the front bumper cover in an effort to hide the additional damage to the inner components and right headlamp. I would start with questioning the place where you bought the vehicle. We still have the damaged parts that we replaced. We could put them in your trunk if you like plus we have photos of everything as well. 

Please feel free to call me if you need to. I will be happy to help you in any way I can. 

Sincerely, XXXX XXXX XXXX State Licensed Appraiser # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX Fax # XXXX Shop Hours Monday to Friday, XXXX to XXXX We repair ALL makes & models. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX