davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I wanted to close my USAA account and receive my funds which were just over {$2000.00}. I attempted to transfer the money myself using the website. It gave me errors every time we tried. I tried transferring using the mobile app, but it gave me errors there as well. When I would call, it was extremely difficult to get a customer service representative on the phone. Finally, on XXXX XX/XX/year>, I was able to get through to a female representative. When explaining that I was unable to transfer my money and that I was also wanting to close my account, she never really gave an explanation or resolution to the fact that the transfer portal on the website and app were not functioning. We focused on closing the account. I wanted the money to be transferred electronically via wire or ACH. She told me I could not have it transferred electronically. She then said we can only receive it via check which we had no choice but to say 'yes ' to since she claimed there were no other options available to us. We were told to expect it within XXXX days. On XXXX XX/XX/year>, I received an email informing that the check was undeliverable. So I called in again to confirm the address and see if there is another option for receiving my funds. The address on file ( which had been confirmed numerous times on both phone calls ) was correct as I expected. The female representative from the phone call on XXXX XX/XX/year> offered no remedies except to mail another check. And that I would just have to wait to see if it comes in XXXX more days. I asked about a resolution if the check does not come this time but she just kept saying that's all they can do. They use XXXX but apparently won't use XXXX or XXXX in order to get a customer their money. She said since my account was closed, we could not conduct a transfer. Reminder that the previous representative informed me they could not perform a transfer. I then asked if it was possible for me to reopen an account with those funds so we could attempt to transfer. We were unable to do that as well. For a company that runs heavy on being 'XXXX friendly, ' I am absolutely appalled and disgusted at how poorly USAA has performed at every turn. They make it incredibly difficult. The user functions on the website and application gives errors and is not user friendly. Contacting USAA to speak to an actual representative is a struggle as I called 5 times that week before getting to speak to someone. It's also quite telling of this company..makes it extremely hard to cancel/close an account and receive the funds that belong to you. I feel completely disrespected here. I will never return and I would speak against USAA if any of my family or friends think about joining USAA in any way, shape or form. DO NOT TRUST THIS BANK. POOR ORGANIZATION. POOR CUSTOMER SERVICE. WORST EXPERIENCE WITH A FINANCIAL INSTITUTION.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Various XXXX in the XXXX, TN were stating that they were charging me for services that I did not receive from them which resulted in inflated XXXX  bills. I disputed a {$3000.00} charge with Capital One for XXXX XXXXXXXX XXXX XXXX XXXX. Capital One requested that I submit a detail bill from the XXXX  office. Once I reviewed the invoice I notice that the XXXX had charges on the statement for XXXX XXXX XXXX. I did not receive any services for XXXX XXXX. The XXXX charged me {$3000.00} for an XXXX  and XXXX. The XXXX  was placed on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Capital One a second opinion/scans showing that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office. Capital One asked for me to respond with necessary documentation by XXXX. I did and received my credit. Then on XXXX, Capital One reversed my charge. Stating that I did not provide them with proof. This is untrue. I submitted emailed communications from the XXXX off that I filed the complaint on, I submitted a detailed invoice, scans displaying the XXXX fell off, and a written letter from the XXXX XXXX  that states the XXXX was missing. I've also highlighted were the XXXX wrote in his report that he provided me with XXXX. Again, this is untrue. I wanted XXXX XXXX to conduct a XXXX call to verify the XXXX XXXX XXXX He would not. I moved several hours away. He wanted me to drive back to XXXX when he could have conducted a video call. Attached are email from the XXXX office of me trying to resolve the conflict.
Consumer complaint received 2024-06-11
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. (SC)

I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2019-11-30
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. (PR)

I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, Transunion and XXXX  did this by mistake there was no excessive use of credit.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

On XX/XX/year> at XXXX I went into PNC bank to withdraw money at one of their virtual atms. I got connected to a virtual bank teller and I requested to withdraw {$25000.00}. I left the bank and went to deposit the funds into my other bank account and the teller only counted {$19000.00}. I contacted PNC immediately and told them the situation and they opened a dispute for me. After a week they sent me a letter saying that they found no error in the atm when they check and that they denied my claim. I went back to PNC at the same location and had the manager call the virtual banker on the atm and they both confirmed that the max denomination per transaction was XXXX bills for withdraw. In my case the atm only dispensed 3 times. Totaling {$18000.00}. But somehow I got {$19000.00}. I ask the investigator who is doing my claim to look at the footage and see how many times the atm dispense, because if it was 3 times and the max bills coming out is XXXX that means they are short of the amount Im missing. All this was dispense in {$100.00} dollar bills. I shouldve gotten XXXX bills but instead I only got XXXX. The only response Ive gotten was they saying they found no error when they check the atm but the atm clearly made a mistake.
Consumer complaint received 2024-08-21
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX XXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, Experian, and XXXX ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (AZ)

XXXX XXXX XXXX XXXX XXXX  ACIMA DIGITAL FKA SIMPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do no recognize this account and am afraid my identity may have been stolen. Please investigate and remove this account from my credit report. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX Balanced {$720.00} XXXX XXXX XXXX XXXX Balanced {$21000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
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: JPMORGAN CHASE & CO. (TX)

THESE COMPANY RAN MY INFORMATION WITHOUT MY APPROVAL XXXX ( Bank ) XX/XX/2024 XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Auto ) XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I signed a contract for XXXX insurance with Pentagon Federal. The agreement I signed says the price is {$440.00}. PenFed charged my XXXX card {$520.00} and said their price changed even though the contract and legal agreement I signed stated {$440.00}
Consumer complaint received 2024-07-08
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: Lendmark Financial Services (SC)

I checked my credit and saw that i had new hard inquiries on my credit report. Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this and want them removed. I did an dispute but was not removed. I told the companies that it wasnt me and they said there wasnt anything they could do.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MN)

I made a payment of {$470.00} on XX/XX/XXXX to Sequium Debt Collection Agency for my closed XXXX XXXXXXXX XXXX credit card account. XXXX XXXX XXXX sold my closed credit card account to Sequium Debt Collection Agency. The XXXX XXXX XXXX credit card has been paid in full and and as agreed through Sequium Debt Collection Agency. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2024-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Yes, I have multiple inquiries. Thats on my credit report that does not even belong to me that I did not make it when I try to dispute it with the credit bureau. They denied it and kept sending it back to my credit report. I told them it was not mine and I let them know And no outcome
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

Chrysler capital is reporting to all three credit agencies that there is an account that is severely delinquent and about to be repossessed. I have Provided Chrysler capital and all three credit bureaus proof of identity theft, and the federal trade commission reports Ive also pointed out to everyone that the Chrysler capital has a drivers license on file that starts with the letter Y my drivers license starts with the letter XXXX this is not my account and they will not remove it from my credit report
Consumer complaint received 2023-09-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (PA)

This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when XXXX XXXX ( try to collect ) as of XX/XX/XXXX 1. CFPB Reference Complaint XXXX XXXX. XXXX XXXX. XXXX NCB Management Service has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( Rise Payday Loan.

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (FL)

Upon checking my credit report, I have notive that this company negatively reported my information to the credit agency.. I have never received any type communication regarding this debt for me to even look at it and dispute it and you have to fail tom comply with FDCPA and the FCRA Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Health care provider for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. Please provide me with these following or delete this debt from my credit report. 
- Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Proof me that you are properly license to collect debt in my state. 
- Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2024-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Began a loan application for a XXXX mortgage on XX/XX/XXXX. The loan representative from AmeriSave. a XXXX XXXX, told me I could lock up the interest rate if I gave them {$500.00} at that time. He also said I was qualifies and someone would be in touch with me from Loan Processing. I was contacted by a XXXX XXXX XXXX who walked me through the documents needed for their underwriting department.. Hder request sounded reasonable and i Gathered the documents and forwarded them to her on XX/XX/XXXX. Bear in mind I am XXXX XXXX of age and my smart phone allows me to be ignorant of technology. I faxed her the documents from a local XXXX store. At the time I did not have a copy of my Social Security Award letter but that I was getting a copy from Social Security and asked if she would accept my XXXX XXXX for XXXX and she said that would suffice for now, I followed up a couple of days after the fax and left numerous voice mails for XXXX XXXX with no response.. I called XXXX XXXX and informed him that I was not getting any feedback. He told me that she must be busy. a couple of more days passed and again I called only to find out that she was on vacation. No one was doing any follow through during their absence. Around XX/XX/XXXX a new Loan Processor was assigned to my case. A XXXX XXXX XXXX, He requested the same documents that I had previously submitted. He told me that those documents were in the efile of XXXX XXXX and could not be accessed. I repeated the same process as before with a trip to the XXXX store but this time with a copy of my Social Security Award letter which had arrived in my mail. 
Ever since then dealing with Amerisave has been a disaster. New forms that I fax but they say they do not have.. Today is the end for me with Amerisave. They now want letters sent to me from my 1st mortgage showing who the new service provider for that loan is, also a copy of the loan servicing agent for my current Heloc loan and demanded a {$41.00} credit agency fee that I have already paid.

I wish to have any possible dealings with this scam business to cease and full indemnify me for the {$540.00} I have already given them for a loan they are obviously not prepared to loan