davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (TX)

The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kohn Law Firm S.C. (IL)

For years I have had multiple companies attempting to collect a debt that I completely dispute from XXXX. XXXX companies, which I think are working together have contacted about suing me for the same debt and one, collection associates has placed a collection on my account. The other, XXXX is trying to sue me and refuses to validate the debt. Neither Collection Associate, XXXX XXXX, WI XXXX, nor XXXX will verify that they are authorized to collect this money from whomever it is owed, Showing the actual debt, payments and interest with a REAL signature not computer generated, I have read people generate signatures do re time debts, and make up payments to re time debts, Where is my signature? Who is the original debtors, and the paperwork saying they are an assignee. Collection Associates never replied, just put a collection on my account, I think to cause me harm, can I sue them? And XXXX NEVER sent paperwork, just called at all hours, and I should " pony up '' because they are connected in wisconsin, they work for the state and city of XXXX as tax collectors, so, and I quote, " who will they take on their merits. I am from illnois, and I am wondering are these two companies working together? Can you investigate a connection? They have been blocked, but continue to call. They need to verify this debt, stop threatening me, and stop ruining my credit out of spite? How can XXXX different companies collect the same debt, sue me, and ruin my credit. 
They have not, and will not- Produce legal information on if they are indeed legally able to collect money. 
Produce my signature Prove that whoever 's debt this was is not being retimed. Collection Associates sent me some paperwork without signatures from XX/XX/2007, so is this even in the SOL? 
Payments, communications, signed agreements that ME. XXXX, signed. Please help me they are trying to ruin me and I think they are working in together, why would one have a XXXX , and coincidentally be from the same place. They are using tactics to call me day and night, they are intimidating me by saying they work with the state and city ill wisconsin where they are from and I am not, I live in illnois and know no one from the state, they will not verify and from what they are telling me they will win. This is unfair, I need the collection taken off and can I sue them for unlawful acts, fraud, intimidation, and even forgery if that is shown by paperwork? 
Thank you, please help
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX CARD STATEMENT FOR XXXX XXXX XXXX ENDING IN ( XXXX and XXXX ) were PAID ON TIME BEFORE CLOSING OF STATEMENT DATE. COMPANY REPORTED TO BUREAU LATE AROUND XX/XX/year> CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. I HAVE DISPUTED THIS ISSUE WITH EXPERIAN, XXXX, AND XXXX. NO RESULTS. PLEASE MAKE CORRECTIONS ON MY CREDIT REPORT. MY PAYMENT WAS NEVER LATE. BURDEN OF PROOF IS ATTACH.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Statebridge Company (MO)

I am reaching out regarding a zombie mortgage foreclosure proceeding on a deed of trust that hasnt been enforced for well over a decade.Ive been subjected to what I believe to be intimidation and illegal debt collection activity by Statebridge Mortgage XXXX and their client XXXX XXXX 

Ive been locked out of the subject property since XX/XX/year> as a result of preservation services by XXXX at the direction of Statebridge. Many of the building materials I used were removed and windows were also broken. Statebridge trespassed and has no entitlement to the property as the deed of trust they claim to service was stripped via a quiet title action ( XXXX XXXX XXXX XXXX XXXX  ) XXXX 

Ive sent various forms of communication to Statebridge indicating they have trespassed and that the property wasnt vacant and no preservation services were required. Statebridge has refused to respond to my communications and the property remains locked as of the time of this writing. 

XXXX XXXX refuses to acknowledge Statebridge as their mortgage servicer and denies any knowledge of the property being rekeyed. 

We also dont believe Statebridge has operated in good faith. They have intentionally provided incorrect information regarding payoffs and loan ownership entity information. 

We also suspect that there have been XXXX and RESPA violations for failure to notify the owner of change of note ownership, status of the loan, and other matters, for years. 

XXXX is seeking over {$50000.00} in accrued interest and fees which we believe to be in violation of the XXXX periodic statement rule
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 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 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 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 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 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 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
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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: EQUIFAX, INC. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX Balance : {$410.00}
Consumer complaint received 2024-09-05
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. (FL)

This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such a account and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XXXX  XXXX  XXXX XXXX I noticed I was unable to access my Bank of America on-line banking. I made countless attempts to contact various departments at Bank of America and each time was either placed on a excessively long hold loop which finally resulted in a message stating said department was not open or simply kept me on hold. I spent XXXX HOURS on XXXX  XXXX XXXX attempting to resolve this matter unsuccessfully with the Fraud Department who said there was no issue they can see with my on line access. 

This morning, XXXX  XXXX XX/XX/2022, I have again attempted to resolve this and have spend an additional XXXX minutes listening to people " apologize for the inconvenience '' and then transfer me from one department to another, all with " higher than normal wait times '' resulting in my being placed on excessively long hold periods. 

I remain unable to access my on-line banking, investments or any financial management programs. The only rationale explanation is incompetence or a desire to sequester my funds without my permission to utilize them for unauthorized purposes.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-09-05
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. (IN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-05
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}