davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
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: Experian Information Solutions Inc. (NY)

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ],  letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax be and they continuously report this fraudulent account to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2018-08-01
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)

Experian continues to report negative fraudulent accounts on my credit report that need to be removed from report number ; XXXX XXXX   XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Previous complaints was closed, I requested that USAA, send paperwork pertaining to their actions. They have only made statement not verification of proof. They have not looked for the payments, nor given time to complete any paperwork. USAA had 5 different subserves on this one, the payments has been not reported, they stated that XXXX never had my loan, XXXX, XXXX, XXXX, XXXX, and USAA themselves. I have sent documentation of all them.

USAA is saying we have opportunity to modify the loan, but given the letter on XX/XX/2018 from a former lawyer. I really would appreciate if some one can request their paperwork instead of just statements they have given. They have opportunity to correct Deed, contracts and other documents, but just keep assisting that they want to help. Contact them and it is not the case saying its to late.

Thank you for your assistance.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX per my instruction my payroll was direct deposited into my cousin 's account, my name is not on the account. Although I was able to access previous payroll funds direct deposited to this account, Capital One placed a hold on the funds mentioned above, due to suspected fraud. 

Both myself and my cousin, presented ourselves and our respective valid IDs to a branch location, to show proof of ownership of the account and the funds. However, Capital One still refused to release the funds and refused to communicate directly with us with the exception of advising us they would only release the funds to my employer. 

My employer XXXX XXXX intervened and tried to get the funds sent back to them so that they could cut me a paper check. XXXX XXXX has made multiple attempts to fix this issue with Capital One, without success. 

It has now been over 6 weeks ( more than enough time to conduct a fraud investigation, especially since all parties involve are trying to work with Capital One ), with no notable progress. As of XX/XX/2018, Capital is still refusing to release MY funds to me, my cousin or XXXX XXXX. Their latest roadblock is to advise XXXX XXXX, the funds are in use and can not be released. For the record, Capital One continues to block my access to the funds and refuse to speak directly to me about the situation. The number I was provided ( XXXX ) merely transfers me to a messenger system, where after dozens of messages, I have never received a return call.
Consumer complaint received 2018-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was diagnosed and hospitalized for XXXX XXXX for over a month where the XX/XX/2017 payment was missed and marked late for XX/XX/2017. I sent Cap One proof of my hospital stay but Cap one failed to adjust accordingly. I am adding front page of my bank statement ending XX/XX/2017 which shows a balance of {$1500.00} in my bank account therefore no problem at all to make the {$25.00} payment that was due.. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment.
Consumer complaint received 2018-08-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: COOLEY ENTERPRISES INC (TX)

I have requested no phones call from this company since the beginning of my loan. The refuse to remove my number and continue to call. If I am 1 day late I get threatening text email and calls that they are going to turn my car off. On XX/XX/2018 My account was 20 or 21 days past due and I spoke with XXXX and explained I was getting a loan through my credit union to make the payment because I missed 3 days of work for my grandmothers funeral. That she wasn't accepting my arrangement and was moving forward with my account and then she hung up on me. My account has never been more than 30 days past due and I get threatened with every call from them. I get calls, emails and text with them threatening to turn my car off. 2 weeks ago they shut my car off on a Saturday when I had arrangements set with them and wouldn't answer the phone. I was with out a car until that next Monday. They use the GPS shut off even on 1 day past due. Tells me that because this is tote the note loan I have no rights and they can do what they want because they took a chance on me. Their collection efforts are harsh and abusive. Just because my credit isn't perfect doesn't mean they can be ruthless.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.
Consumer complaint received 2019-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (ND)

I have consistently paid for our vehicle. Every month they received their payment with extra at times. They wrongfully repossessed our vehicle and we are current on the loan. We did not receive any written notice or phone call I regards to any issues with the account. We have either paid via XXXX XXXX, XXXX or ACH payment. All the receipts can be provided if necessary.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (TX)

In XX/XX/2016 XXXX XXXX from XXXX XXXX XXXX XXXX contacted me via phone stating that she could help me with my student loans. ( consolidate them and review my account each year to see if my income has changed drastically and if not then I would not have to make any payments throughout the year. This would be done every year for 10 years and then my loans would be forgiven ). She stated that the total cost was {$750.00} ( {$250.00} for 3 months ) which has been paid in full. I have since come to realize after being contacted by Navient several times regarding my loans being unpaid that they had nothing to do with that agency and I still would need to make payments. They are investigating this matter as well but advised me to report this issue to Consumer Protection which has instructed me to file a claim with FTC Agency. Basically I just gave  {$750.00} away.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

When I opened my Chase XXXX XXXX card, I chose paperless statements. There is a statement under the checkbox for this online : " We'll still send you email reminders 10 days before your payment 's due. '' ( See attachment. ) My due date is the XXXX of each month. 

1. They NEVER actually send a paperless statement by email. I have NEVER received an emailed statement for this account. 

2. The payment reminders NEVER arrive when they claim they will. My last reminder arrived on XX/XX/XXXX, so it either was sent by Chase five days AFTER the XX/XX/XXXX statement deadline, or 26 days BEFORE my XX/XX/XXXX statement deadline. They specify nothing in these vague reminders ; they don't say which month 's statement they refer to ; they don't even provide a link to the statement in question. ( see attached image of this email, including date it was received. ) As a result, I have racked up late fees and interest charges from this confusion and lack of timely reminders, not to mention the fact that they AREN'T EVEN SENDING ME PAPERLESS STATEMENTS. All of these things tell me that they are doing EVERYTHING they can ( barely legally? ) do to set people up to rack up late fees and interest charges. 

I called them today to cancel paperless billing and have statements sent by mailit 's the only way I can reliably get the information in need in the time frame I need it.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2018, a mobile deposit was made into my checking account in the amount of {$1000.00}. This item did not post to the account until XX/XX/2018. 

On XX/XX/2018 my husband contacted USAA regarding our checking account. USAA claims the cutoff time for mobile deposits is XXXX Central and the deposit was not made until XXXX Central time, however I do not believe it was made that late. In addition, we make deposits via mobile deposit often later than the supposed cutoff time and have never had a delay in posting previously. It seems USAA has recently changed this practice and did not notify all of their clients of this new practice. Regardless of the cutoff time, we have never had this issue before. This new practice caused a downstream issue with our accounts at other banks. Deposited items were returned at other banks because we thought this deposit had been posted. The customer service representative refused to allow my husband to communicate with a supervisor until I said we would be filing a complaint with this office and others. The supervisor was not helpful either. I would think that a company that claims to support our veterans would be slightly more helpful and definitely more transparent with their common practices they call " cutoff '' times. 

When a mobile deposit has been completed, a notice displays that the funds are available " immediately. '' There is not a " cutoff '' mentioned in this notice nor is there a disclosure advising these funds are not posted. 

I would like some assistance with this issue and believe USAA does not have an client focused approach that is conducive to the best interest of their clients.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma (PA)

Last year I signed up for FREE services from Credit Karma. I was sent an email from Credit Karma saying that my credit score went down. So I logged into Credit Karma. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services?

Then 8 days later I get charged {$22.00} by XXXX. I called them and they said by checking my credit report that day on Credit Karma that signed me up for credit monitoring for {$22.00} a month.

This is ridiculous! They are taking advantage of EVERYONE. Credit Karma says they are free but they charged me {$2.00}. Then XXXX signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal!

Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

VIOLATION OF THE FCRA .. ( TRANSUNION ) & ( XXXX XXXX ) IS REPORTING UNAUTHORIZED HARD CREDIT INQUIRY ON MY TRANSUNION CONSUMER CREDIT FILE.... TITLED... ( XXXX CARD SERVICES DATED : XX/XX/2024 )... IS IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD HACKING .... TRANSUNION AND XXXX FAILED TO REMOVE THE UNAUTHORIZED FRAUD ( XXXX CARD SERVICES DATED : XX/XX/2024 ) IS UNAUTHORIZED INQUIRY INFORMATION.SINCE ( XX/XX/2024 CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Western-Shamrock Corporation (TX)

This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX