davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

5 or 6 years ago we had a personal loan with USAA FSB. When I became dis-abled and went over 1 year with no pay. I worked with all our creditors to include a personal loan with USAA. This particular loan I worked with USAA until the loan was to a point they could charge it off. At that same time USAA shared with us that not to be surprised if a debt collector buys the charge off and will do everything to collect from you. USAA was correct a collection company named XXXX XXXX came after us. I was not aware of my rights at that time but XXXX negotiated and agree to an amount and payment plan. We set up auto payments and this went un-noticed until XX/XX/year> when the auto payments stopped. After making some inquiry 's I learned XXXX was no longer trying to collect. Since then a new company XXXX XXXX has been threating us, sending letters and numerus spoofing phone calls. In order to dispute this with XXXX we sent them all the documents as that we had from XXXX. They replied my dispute lacks specific facts. I have called them and emailed them and now they are starting to harass us again with letters and phone calls. we feel this has turned into harassments now. 

Also I talked with USAA and learned they have nothing to do with this. I have been a member of USAA for over XXXX  years. I was told as they were concerned this issue was resolved.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I deposited {$5000.00} into my Marcus Savings by Goldman Sachs ( Marcus ) account from my XXXX XXXX account on XXXX XXXX XXXX XXXX XXXX XXXX, I attempted to withdrawal the {$5000.00} from my Marcus account by transfer to my credit union in order to pay a bill. On XXXX XXXX, Marcus left me a voicemail to call them regarding my account. When I spoke to customer service, they explained my account had been frozen and my transfer request was being canceled. Customer service went on to explain that this happens when I do not leave the funds in my account for a long enough time period. When I asked how long is the time period that funds need to stay in an account, customer service was unable to provide any exact time limits nor policies. When I explained that I needed to transfer the funds to pay a bill, customer service explained that the funds were frozen for XXXX business days and then it would take XXXX business days to transfer the funds back to their original source.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (PA)

I received a text message from Chime on Saturday XX/XX/year> XXXXXXXX XXXX regarding an account was created for me. This is a company I have never heard of, nor I have ever conducted any business with. A few minutes later, I got emails to my gmail account welcoming me becoming a member of Chime. One of the mail is urging me to finish the setup. In the emails, I found no information of the account number or ways to contact this company to resolve this issue. I thought these must be some spam. 

On Sunday XX/XX/year>, I received an email from Chime asking to confirm the mailing address of the XXXX XXXX they were going to send me. The address is not my current address. And I have moved twice since I live there. There is no way for me to get the card to destroy if Chime send the card to that address. Again, there is no contact information on the email. If there is, I am hesitant to contact and try resolve the issue because I am unable to verify the contact info. I have receive another email on Monday XXXX that again urging me to complete the registration and setup direct deposit. I decided to ignore it. I just want to file a complaint as a record that I didn't contact Chime in any way, and mysteriously they decided to open an account for me. I hope this complaint will reach someone who can help resolve this issue with Chime. Thank you for your help.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CA)

I paid the balance of my Avant Credit card off and requested to have the account closed on XX/XX/2023. I received an email from Avant indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with XXXX that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.
Consumer complaint received 2024-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (NV)

My husband passed away on XX/XX/XXXX. He had a first loan and a second loan on the house. The second US Bank, I have been having difficulty with communication. US Bank said they needed {$6400.00} in XXXX to bring it current. I sent US Bank a cashiers check via overnight mail. Weeks went by, and I received nothing by mail. I contacted them, and they said I should receive something in the mail. I wait. In XXXX, I called and inquired again about the {$6400.00} XXXX sent, and they could not talk to me because I was not on the loan. I said well, you took my {$6400.00} to bring the loan current. They said sorry, you are not on the loan, but we can accept the money to bring the loan current. By this time, they stopped sending statements in the mail. In XXXX ( possibly the XXXX ), I came home to a Notice of Sale on my door, set for XX/XX/XXXX. I immediately called them back, and they said yes. I spoke with a gentleman named XXXX. He said that US Bank did not file a paper that stopped the foreclosure when the account was brought current. In the meantime, I had to contact the US Bank attorney to try to get it stopped. I received a letter of rescission on XX/XX/XXXX. At that time, I applied for assistance. The bank responded by mail they are reviewing it and could take up to 30 days. Last week I received a letter saying they have closed the application for assistance due to Successor in interest has not been established. This is so frustrating that they can not just let me know they need documents that I have. They closed the case as of XX/XX/XXXX. I am currently seeking an attorney or other guidance.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Racial Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXX DISGRACE AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NM)

In approximately mid XXXX of 2023 I contacted US BANK as their free online service for sending checks and payments online failed to work for me several times during XXXX of 2023. 

I spoke with XXXX XXXX of their XXXX XXXX XXXX. XXXX suggested that I talk with his Wealth Managers. These Wealth Managers ( XXXX XXXX and others ) set me up with a system they have called XXXX which for a charge of {$48.00} per month purportedly would allow me to send checks via an ACH system directly from my account to their account. 

This XXXX system however never worked and no one at US Bank was able to get it to work. In fact US Bank insisted that I call their XXXX number which I did numerous times. I in fact hired my Accountant to be on a call with me which took over an hour and the XXXX attendant call center even with a CPA was not able to make this system work for us. There was a repeated problem stemming from some computer software US Bank issue. It was at this point that I told XXXX and XXXX to just cancel this XXXX XXXX. 

Unfortunately US Bank did not cancel this failed service and unbeknownst to me continued to charge me {$48.00} per month. I. About XXXX I called XXXX XXXX yet again and asked for a refund of these false charges and reminded him to cancel this service. I recently as of XXXX received a notice that US Bank had apparently continued to charge this {$48.00} after telling XXXX XXXX at least twic to cancel this service. US Bank in their letter demands that I pay all previous balances and Bring my account to a positive balance or they will withhold my financial records from me.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

Back in XXXX of XXXX, I received an email from XXXXAmerican Express advising that for each additional cardholder that was added to my account, I would qualify for a 10,000-bonus mile credit up to 4 authorized users. I took advantage of the promotion, added the users to the account thru the link that was provided in the email. After the qualifications were met, I reached out to Amex in XXXX, XXXX, XXXX, XXXX, and each time I was told that the credits would post XXXX weeks after the qualifications had been met. The qualifications were met no longer than XX/XX/XXXX on XXXX, XXXX, and XXXX. I reached out to them on XX/XX/XXXX and was told I needed to request credit from XXXX, after reaching out to XXXX, I was advised that I needed to reach out to AMEX. Today on XX/XX/XXXX I was told that their research team said that despite the information provided by me, there was no promotion offered, despite me receiving one of the XXXX bonus miles for one of the additional users on XX/XX/XXXX to my sky-miles account with XXXX. I have tried to resolve this now with over ten hours of manpower, and still am being told XXXX weeks, however, according to XXXX, they do not see any promotion pending on their end. I am getting conflicting information ; I am owed still XXXX bonus miles for XXXX XXXX, XXXX XXXX, XXXX XXXX. It appears that the one credit for XXXX was credited for XXXX XXXX. During today 's interaction I was not given a case number with Amex by the specialist, I was given this verbiage. " I am afraid, case number is something an internal id, and we are unable to share it. However, you can keep chat id as reference : XXXX '' I was also told this by the specialist. I see that a case was opened for this, and our team updated that there was no such promotion available against the additional users. After reaching out to XXXX today, I requested to speak with a customer advocate Research Specialist, and the person that I am working with is not a customer advocate specialist, she keeps reiterating 8-12 weeks. The terms and conditions were met. Now I was just told that the promotion started in XX/XX/XXXX, despite, me receiving an email on XX/XX/XXXX and adding the users on XX/XX/XXXX. ( XXXX, XXXX, XXXX ). Each time I reach out, I am told something different. The only thing I can think of, is that when Fraud was reported under the old card number XXXX it invalidated the promotion that was on there.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Experian Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called BOA on XX/XX/2018 and wanted to make a payment and setup a RPP. the agent advised me she was not able to setup a RPP because their system was down. She took my name and nymber to setup a call back. no one called me on XX/XX/2018. i called on XX/XX/2018 for same issue., The agent said their system was down and would have to call me back. no one called me back. i called again i left a message to my SPOC to call me. He never called me back either. on XX/XX/2018 i called to speak w/Manager, which was not avaialbe. The agent took my payment and then stated she could not setup my RPP plan after she took my payment. I told her that was all the funds i had because i wanted to use them for the RPP. She said a down pmt was not required and i said that was incorrect they have always asked for a down pmt. so the call was then disconnected. So now i am due for 3 payments plus my XXXX pmt and i paid {$500.00} on XX/XX/2018 and still have no RPP on my account. I can afford a payment of {$800.00} to help me bring my acct current, I wanted to give my financials over the phone and she said i had to fax them. so much is required for a RPP when back then i could just call and get that taken care off. I need some of my late fees waived and set my acct on a RPP.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one sent me an email stating that willingly unlinked my account with XXXX XXXX XXXX. I did not unlink these accounts. I called capital one to express my concern that my account could have been hacked by a non authorized user. They advises me that they had no information and if my account is compromised I have to wait it out to see if anyone steals my money or my information. They refused to give me a new account number and close the compromise account number down. Now Im sitting here worried that somebody has all my information and capital one is ok with that.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In XXXX when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

on XXXX, i sent XXXX, equifax, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX # 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 information is inaccurate.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (TN)

Per the FCRA, as a federally protective consumer, l am opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

On XX/XX/ a bounced checked was registered to my XXXX XXXX account i didn't take action to resolve the problem due to me being un aware of what happened. After the fact over the course of 3 years I been trying to resolve this problem due to me being a victim of fraud they have yet to try and help I haven't been able to move forward with my life due to this and i know its in violation of my consumer rights under FCRA Section 1681i.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have Experian credit report says I had XXXX close accounts when I only have XXXX .On the report the can not produce the XXXX accout I've tried over and over again to dispute an inaccurate report .I have been block where I can't dispute. The company has inaccurate.The cccount say I opened XXXX the.has been removed twice because of inaccurate in XXXX how is it experian keeps allowing to be placed back on my credit report. Original company was XXXX. I need the proof that the account was open in XXXX because it was not and the company is not the original owners and again the dates and year are incorrect it has to be the original date opened .I never gave permission for no one other than XXXX to place any thing on my credit repot. 

XXXX is on my credit report twice as open and closed same account number. I never closed an account with XXXX.