davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

On XX/XX/XXXX, I received a letter from USAA indicating that my savings account was overdrawn. Since I had not accessed that account for over a year, I went online to check what was going on. 

Staring XX/XX/2020 USAA allowed a XXXX XXXX XXXX ( a person I do not know / am not related to ) to set up monthly ACH withdrawals to XXXX XXXX XXXX  to pay his bills. The first ACH was for {$170.00} and the four subsequent ACH 's were for {$130.00} each. 

Needless to say, I am not XXXX XXXX, nor have I ever heard of him. Further, I have never heard of XXXX XXXX. 

I immediately called USAA to rectify this problem. The customer service representative indicated that it was completely USAA 's fault - it is in their records that they have the ACH payments going to XXXX XXXX on behalf of XXXX XXXX XXXX. Further they indicated to me that they do not cross reference routing and account numbers with the person 's name on the account. Put differently, they were given the USAA routing number and my account number and set up the ACHs in the name of XXXX XXXX and they never checked to see that I am the owner of the account, not XXXX XXXX. 

They issued a stop payment but have so far refused to return the {$700.00} to my account that they allowed to be fraudulently removed. I have called them four subsequent times and have been given the runaround and they refuse to connect me with anyone who can rectify the situation. The only thing they say is that a fraud investigation needs to be completed. However, they have not provided me with the means to approve an investigation ( no letter and the email they sent me to sign has a broken link ). 

Again, this is 100 % USAA 's problem. Their fraud controls failed and they have admitted their mistake, yet they won't give me my money back.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this involves XXXX  XXXX  XXXX  it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, XXXX  XXXX  offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to me
Consumer complaint received 2020-10-08
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. (TX)

On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.
Consumer complaint received 2021-05-30
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. (CA)

I sent a letter to Experian, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KY)

I began the process of getting a mortgage in late 2019, I have no idea this collection was on my credit? I have mailed 5 bureau dispute letters requesting validation and proof this is my debt, plus I have mailed 3 direct letters to Convergent Outsource requesting factual proof, debt validation. I never received any response from Convergent? 

There is NO reported information on my XXXX report about this XXXX issue? 

I have uploaded all 3 letters mailed to Convergent Outsource with zero response from them!
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS A FEW INACCURATE ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT YOU PLEASE HAVE THE ACCOUNTS INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-08
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. (TX)

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of  Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OH)

As stated before and also acknowledged with the XXXX department that I was a victim of identity theft and my card was compromised back in then months of XXXX till XXXX and I was in a hectic phase with my car and everything being stolen and the target TD bank card which this report is compromised of, so kindly it shows close don my report and I want it removed as im a struggling college student and due that incident and now incorrect information on report it is a big hassle during this virus and challenging times for me to qualify for housing as I dont owe anything and also need my card back as it was stolen. Thanks and kindly remove this
Consumer complaint received 2020-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HUNTINGTON NATIONAL BANK, THE (CO)

We purchased a travel trailer through a dealership and the financing was done with Huntington Bank. We did not receive a payment statement or book. We have not received a single paper statement from Huntington Bank because they originally had the address incorrect by one number. They sent an email to my spouse that wasn't seen in his spam folder. We received a phone call when the account was 30 days delinquent and called to settle the account. We made a payment and fixed the address. We still haven't received a statement. We called a second time to make a payment over the phone. The account is in good standing and have made two attempts to set up auto payments. We are waiting for it to process. The company submitted a negative submission to the credit bureaus for the 30 day late payment on our very first payment ( which we never received a statement or booklet. ) This dropped our credit score and now are unable to purchase a home. I have spoken to four different people at Huntington Bank and they state, " We called, so there is nothing we can do for you. You should take this up with the credit bureaus, good luck. '' I understand we should be checking the spam folder for their notice, but it is bad business to have the incorrect address, never send a statement, and then ruin someone's credit for a first payment being missed. We asked if their was anything we could do and even offered to pay the balance in full to clear this up, but they were unwilling to help us.
Consumer complaint received 2022-06-23
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. (TX)

I have sent numerous complaints for XXXX and experian also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

I signed up for the Apple Card on XX/XX/XXXX through this referral link : ( it is still active ) https : //apply.applecard.apple/? cid=apy-616-10000002 & utm_content=rafemail The offer says that if I make a purchase in 30 days, I will receive {$75.00} dollars cash back. I made a few purchases, and did not receive my Daily Cash back. I called in to Goldman/Apple on XX/XX/XXXX to ask about the promotion and when I would receive it. The agent told me he would submit a promo correction dispute, and that I should see the promo soon. 

I received an email the next day saying my dispute had been investigated, but I was not eligible for the " promotion of {$100.00} dollars for referring a friend '' ( that wasn't even the correct promotion ) because I didn't sign up in the promo period for the offer. At the end of the message, it said to reach out to a specialist if I had questions. This same day, I received an email letting me know I had been declined for eligibility in the SCRA program. I had no idea what this way, and found out in a later call an agent had signed me up for this without telling me. 

I called back in the next day, XX/XX/XXXX, and asked to escalate the issue to someone that could help. I was transferred to a supervisor, who told me they could resubmit the dispute and enter a request for call back, but that's all. I let her know that there is no where on the link page that states anything about being open for certain dates. She would not allow me to send her the promo link to confirm it was legitimate. I was told a ticket would be opened and that I would be called back by a third level person within 10 days. 

The next day, I received an email stating my case had once again been deemed ineligible for the promo due to the dates ( that are not stated on the ad )... I called back in, and was met with the same response. No one could help and that I would be contacted by someone in 10 days that could. 

I waited over 10 days, and did not hear back from anyone. I called in today, XX/XX/XXXX to ask that status of the open call back tickets. The agent on the phone told me there was nothing on my account noting a call back, that no one would call me back, and that there was nothing I could do. I am very frustrated at this point.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I received an email at XXXX p.m. ET on Monday, XX/XX/XXXX from Venmo informing me that my account was temporarily restricted. The body of the email did not provide any details, only that I may receive another email with details and that I should contact customer support if I have questions or want to reactivate the account. 
I have a balance of {$480.00} in my account. I tried transferring it to my bank account and I received an error message saying that I am unable to do that while my account has temporary restrictions applied against it. 
I then reached out to Venmo via their live chat app. The live chat representative told me that the issue would be investigated by another team and that it can be anywhere from 7 to 15 days for a reply.

I have two complaints : 1 ) My Venmo account was suspended without warning and explanation. Within the app, the notification screen is empty there are no hints as to what happened. I am now unable to access my balance of {$480.00}. 
2 ) The Venmo team is unable to provide any guidance on when my funds will be available. The chat said anywhere from 7 to 15 days. Again, I have no idea why my account was suspended and theres no appeal. 
Ive attached a PDF of the email and chat transcript for reference.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MT)

On XX/XX/2020 I discovered that I.C. System Inc began reporting a collection on my credit report. The collection is on behalf of XXXX XXXX. I talked to XXXX, they XXXX  'XXXX  out the account and notified I.C. System that I do not owe them any money. I disputed the collection on my report. After 10 days I was notified that I.C. System had refused to remove the collection from my credit report so I called them to give them the information I was given by XXXX. When I called I.C. System I talked to a representative name XXXX XXXX employee number XXXX and told him that XXXX  had verified that I do not owe them anything. The amount in collection is listed as {$280.00}. I gave Mr XXXX the name of the contact person from XXXX  who is XXXX and the reference number she gave me to confirm our talk and that I do not owe anything. The XXXX  reference number is {$280.00}. Mr XXXX told me he would file a dispute. Today I received the result s of the dispute which said they would not remove the collection from my credit report. This is false reporting. 

In addition, I was not given 30 days to dispute this collection. Had I.C. System follow the required credit collection laws, they would have contacted me, I would have proven that I do not owe the {$280.00}. and it could have been resolved before ever having a collection. 

I have current service with XXXX  and they can verify that I do not owe them for a past due account nor am I late on my current account.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (IL)

THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTD ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNTS, DATES, AMOUNTS OF IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

On XX/XX/2022 I noticed a " new collection '' under Stallings Financial Group, Inc with address in XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( Phone number ( XXXX ) XXXX. This is previous debt collector for a medical bill which was being disputed since XX/XX/2022. 

The company claims that they eliminated the paid debt on XX/XX/2022 ( for a medical bill {$280.00} ) which is excatly when this new collection for XXXX shows up on my credit files with a balance of {$810.00} I contacted XXXX XXXX and Company and they have no record of such debt, or record of my social security ever used for services under their company. I don't reside ( nor have I ever ) lived in XXXX or anywhere where that company serves. 

XXXX XXXX XXXX at Stallings Financial claims that they are not reporting this because they do not represent BGE ( XXXX XXXX  ) yet it shows on the credit bureau under their name only. 

This error is affecting my credit and its innacurate, so it needs to be removed.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

This complaint is about my mortgage company NewRez. I found a better price for homeowners insurance. The policy went into effect XXXX. They decided to add flood insurance in the escrow account also. Someone missed the documents from Fema. I have sent the documents 3 more times since then. Even certified. I called again today XXXX and they still have not removed the flood insurance. I have a letter stating from XX/XX/XXXXthat they determined that I was not in a flood plan and would fix my escrow account. I have been over paying my house payment for 10 months now and still can not get this problem solved.I am promised every month that this problem will be resolved and my money will be returned. They owe me hundreds of dollars and still refuse to fix my escrow account. Unbelievable. Can you please help me with this matter. 
Thank You
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

We used our travel rewards on our credit card with Chase using their Chase Travel Rewards service to buy a return trip ticket from XXXX XXXX  to XXXX XXXX for travel on XX/XX/XXXX and return travel on XX/XX/XXXX of 2022. The chase credit card is in name of XXXX XXXX. The travel was for XXXX passengers XXXX XXXX ( wife of XXXX XXXX ) and XXXX XXXX ( son ). The trip ID was XXXX. We used our rewards points with additional cash amount. It was a refundable ticket. We were not able to use the return portion of the ticket due to a death in the family and informed chase travel rewards and the airline ( XXXX XXXX ) ahead of the return travel date. 

Chase travel rewards has now been giving us the run around to refund our amount for the cancelled leg of the flight. After XXXX call and spending XXXX hours with them they finally processed a refund or {$2000.00} on XX/XX/2022. They also gave us a processing ticket number XXXX, but till date have not remitted that amount. After following up they have started to deny that the amount was processed, have started asking for additional fees to reprocess the refund and have been giving us the run around. They often disconnect the call after having kept us on the line for an hour and never call back. We seem to have no redress. Please help us.
Consumer complaint received 2022-06-23
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. (TN)

my idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX