davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I had XXXX fraudulent transactions of {$990.00} each stolen from my USAA Savings account. Each of the transactions involved transfers to an organization ( unknown to me ) called " XXXX. '' The transfers are as follows to individuals who are also unknown to me. They are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX I have called USAA over a half dozen times with calls, including wait time while being transferred etc., averaging close to one hour. In over a month of trying to get a resolution, the following has occurred : XXXX transaction of {$990.00} has being refunded to my account The other XXXX fraudulent transfers of {$990.00} each are being denied because of " customer involvement. '' I have been provided no proof ( none exists ) of my involvement. 
There is a refusal to allow me to speak to the analyst who reached the " customer involvement '' conclusion. The claim is that customer service has no way of transferring my call. 

Of additional relevance : I live along, am former law enforcement, and I do not share my login information with anyone. 
In addition to the savings account that is under siege, I also have : o A XXXX USAA Savings account o Checking account o Auto insurance policy o Homeowners policy o An umbrella policy o Life insurance policy o A USAA Visa card o And have formerly had multiple auto loans ( now paid off ). 
I have maintained accounts as a member of USAA for thirty-three years The one scanned document attached is a letter advising that the first fraudulent transaction of {$990.00} was being credited back to my account. I can also continue to search for the denial letter if necessary.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. ()

My relatives have received harassing phone calls, saying it will be arrested, served papers, charge with failure to appear, they have pretended to be officers of the court etc. I have called them back and reviewed their information to find out it is not me but someone who 's last known address is half way across the country. Then this morning They promised before to take me off their calling list after calling my lawyer. Two days ago I registered a new phone number and the calls continue, when I return the call they tell me they are suing me for XXXX/XXXX percent of what I owed ( keep in mind I owe them nothing ) and I even confirmed with them they had the wrong person by asking for that person social and provided my last XXXX to them. She is then abusive and hangs up so I call back and she insist that I confirmed that it was my debt and she 's serving me with papers. I have lived in XXXX for the last 4 years and this debt they are trying to collect is only a few years old during a period I could not have made it. They refuse to give me an address of the company, any details or talk with a supervisor but insist it is me even after I confirmed it was not. They called me at XXXX waking up me and my wife who are getting ready to have a baby and their threats are causing me unrest when I do n't even know this person their trying to collect on and contacted family members private cell phones that do n't even share my last name.
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (TX)

In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.
Consumer complaint received 2016-08-18
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (CA)

Global Financial Solutions has been taking {$300.00} from my account for 2 and half years. Plus {$100.00} to another creditor also takes out {$100.00} per month. My total debt was {$18000.00} they told me I will save {$4000.00} for settling because they will help me settle but now I received lawsuit from my credit card companies and Global Financial Solutions is telling me that they did not pay these creditors suing me now because not enough money. I do n't know what they did to the {$9800.00}.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (GA)

XXXX collection services has an account on my credit that I have no knowledge of. I have asked by letter documentation a total of XXXX times for this company to validate this item as mine, but all of my requests have been ignored
Consumer complaint received 2024-10-27
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. (MI)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Transunion, XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, Transunion report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX I NEVER gave you, XXXX, XXXX XXXX, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX, has caused XXXX stress and XXXX  due to the abusive and unfair practice. 15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose XXXX XXXX XXXXXXXX XXXX - XXXX NEVER gave you, Transunion, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused XXXX stress and XXXX  due to the abusive and unfair practice. 
15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. Transunion By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-09-16
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX BANK Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2016-12-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (IA)

Pnc just purchased our mortgage from XXXX XXXX in XXXX XXXX. Every ince we started this loan I have always been XXXX payment a head. Started paying on this mortgage XXXX XXXX. The first payment was not due until XXXX XXXX we have never missed a payment. In XXXX I had a dispute about repairs that need to be done on a dump truck and trailer I drive. I informed him that I could no llonger safely drive vehicle until repairs were made.well h not only just replaced me but refused to pay the money he owed me almost XXXX but that the way things can go. So I made some adjustments to get but and XXXX was to not be a month ahead on mortgage for awhile Pnc has done nothing but harass me and my XXXX XXXX XXXX mother in law. I explained to them what i did and told them to go back over the history of our loan and send me a copy. Well they only go back to XXXX so they cant see that i started paying on this mortgage 1 month early and I have also made another extra payment to come of the principal.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-03
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 (MD)

I have been using Venmo for 3 years and upon cancelling my debit card, which was linked to my account was subject to fraud. Therefore u had to cancel it and upon cancelling my card my Venmo account was frozen. When I received my new card I linked it to my account and the problem still occurred. I am not able to make payments receive payments, or even retrieve my balance. I have tried to resolve this issue with Venmo, I have spoken to them on the phone and they have told me I can only resolve it online, which is why I reached out to customer service. I was in contact with customer service, having to answer many questions and suddenly venmo stopped responding to my emails in the midst of attempting to resolve this issue. There is no way to reach Venmo I contact them fill out q form and then they never contact me again and it is the same process over and over. I have expressed to Venmo that even if I can not use my account all I want is to retrieve my balance as I have a large amount of money and am unable to get it.
Consumer complaint received 2024-10-27
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. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dear to whom this may concern, According to your company ; a Bankruptcy record with case number : XXXX, was reported on my consumer credit report. Your company indicates that the furnisher or supplier of this reporting to your company is XXXX as indicated in a recent dispute investigation that I have attached to this complaint. I must remind you any reporting on the consumer report must be accurately reported within the compliance of the FCRA and the creditors or furnishers of the consumer report data must not contain missing, fraudulent or inaccurate info. I had previously disputed inaccurate info related to the public record XXXX with your company on multiple occasions ; and in your past responses you clarified that the Bankruptcy was verified by the furnisher ( XXXX ). I have attached documentation verifying that your recent investigation results in response to my dispute for confirmation # XXXX ; that was submitted to your company on XX/XX/XXXX ; is falsified by your company and or in error. Your company claimed on the investigation document attached that the account was verified to be accurate by a company that has no record of the Public record XXXX in question prior to the dispute filed on XX/XX/XXXX. Therefore your response to my dispute regarding this record and your response to verifying the info as accurate was a clear violation of the federal law, and the fair credit reporting act. So either your company lied or knowingly falsified verified information. I must also state that that XXXX also indicated that the public record was comfirmed reported unaccrate according to their report as indicated in attatchment here. This verification you used does not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the public record must be deleted or removed from the consumer report according to FCRA Code for XXXX if needed : XXXX Birthday is XX/XX/XXXX Name is XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX mi XXXX
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened an account at Bank of America. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a " cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the money back.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I fell behind in payments due to my mother passing away, not only I lost her income since she was living with me. I Had to pay for the final services. This caused me a huge financial and emotional struggle. Now my business is doing much better and I am able to start making payments and I have applied for a loan modification but they refuse to open my file and review my loan due to sale being too close. sale date is XXXX/XXXX/16.