davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (OH)

The company USBC CORP put on my credit XX/XX/year> that i owed a debt of {$490.00} stating i have delinquent payment history for 5 months. This debt is not mine as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so there is no way i can have a debt from XXXX that was created. Please remove this from all credit bureaus & my credit report as i am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

15 USC 1692g
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I had opened a USAA checking account a while back to switch from my local bank and during my use with USAA they were continuously freezing my debit card for suspicious activity over normal purchases. I had contacted them multiple times and my card had gotten unlocked. Fast forward two weeks I am calling USAA to get my card unlocked for no apparent reason and they hit me with a sorry USAA will no longer be banking with you due to unknown reasons. You will receive a cashiers check or business check with the money that was in your account within the next 60 days, I tried to get more info on the scenario, and the lady that I was talking to was not very informal so I decided to give them a call the next day and they ended up giving me the same line that I would be receiving the money within the next 60 days fast-forward 60 days later, Ive contacted USAA And no no attempt of them giving my money back had been found. the customer service representative, that I had talked to had sent up some sort of form to have my account re-reviewed multiple weeks later. I attempted to contact them regarding the form that was sent up saying it was rejected again for unknown reasons, so I had them resubmit the account review and there has been no further progress with USAA and receiving my money back or closing my account because I do not have full access to it anymore. During my multiple calls with USAA they always reassure me that all calls are recorded for USAA and customer protection I wish I had access to these calls to file them with this bunch of information to show how much BS they put me through. but without legal help USAA was not willing to do so. There was also a little bit of XXXX XXXX I feel with USAA security department or whoever deals with their account reviewing being a non-over the phone company or even being branched off of USAA Especially with USAA, not being able to unlock my account using personal verification methods. and having their finance department send over paperwork with the chance of it, not even being reviewed because they deem it low priority overall, USA has still not paid me back the minimum XXXX dollars that is sitting in my frozen account
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NJ)

I WILL NOT REST UNTIL I GET JUSTICE FOR TJE UNAUTHORIZED TRANSACTIONS DONE ON MY APPLE CARD. THEY KEEP SUBMITTING LIES AND FALSE INFORMATION AND YET THEY CAN NOT PROVIDE EVIDENCE OF THE UNAUTHORIZED INVESTIGATION THAT WAS CONDUCTED ON MY CARD, THEY ARE BLATANTLY CALLING ME A LIAR AND SAYING I INTENTIONALLY OPEM THE UNAUTHORIZED TRANSACTION WHICH IS FALSE!!!! 


I'm reaching out to CFPB once more about the same issue I'm experiencing with Goldman Sachs Bank USA ( the Bank ) about unauthorized transactions on my account, they claimed that I open multiple dispute on my account totaling {$4400.00}, what they failed to realize is that these transactions are fraudulent transactions on my account and that's I contacted them to have a look at them, the representative contacted me on XX/XX/year> while I was at work and was unable to talk he then contacted me back on XX/XX/year> & asked me XXXX  is XXXX XXXX, edict apparently was the name of the person that conducted the fraudulent transactions on my account. Yet they are here claiming that these transactions are not fraudulent. I'm hard working citizen I work XXXX every day and I swear for my money, so if I see an unauthorized transaction or transaction, S totaling {$4400.00} on my account I have every right to report it. It's very clear that Goldman Sachs Bank USA ( the Bank ) did not conduct a proper investigation under these transactions, they also refused to provide documentation of what happened, they hsve the name of the person who conducted the fraudulent transactions yet they are claiming that the transactions is valid. I'm kindly asking the CFPB to please assist in these unprofessional behavior of Goldman Sachs Bank USA ( the Bank )
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX 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 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I called Citibank to inquire about the XXXX bonus that I am due. I completed over XXXX of direct deposits ( 2 of them ) within the 90 days of account opening and it is now several weeks after that. I got the run around from several Citibank employees and kept being referred to either the branch or another department. I was told by an employee named XXXX that I did not meet the requirements but told by 3 others that I was. I checked the terms and conditions and I know that I met them. 

When I had tried reaching out to several branches I had a very hard time getting in contact with anyone and the last person I spoke to was helpful but told me it would be several more days until I get a response after I have spent so much time dealing with this matter. 

I am tired of dealing with the issues that I have with this bank and just want to be treated fairly.
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (DC)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WY)

This is with the Apple Card. Administered by Goldman Sachs. On XXXX XXXX, I attempted to make a payment in full on my balance. With all of my other credit cards, this has been posted almost immediately, and my credit limit has been adjusted. This is what I assumed, and was surprised to find out that the payment had not been applied. When I called them, they claimed that I had added a second bank account ( this is true ) and they were not familiar with that account so they were going to hold my payment until the XXXX. Surprised me because Ive never had any other credit card company care which account I paid from. I argued a little bit, and then on the XXXX, received an email saying that my payment had been reversed. So, on the XXXX, I paid from the original account I had set up. BTW they say payment due on the last day of the month. They had accepted payment from that account the first time I paid my card. ( Ive only had the card two months ) .again this payment was not applied toward my credit card. They say that they will apply it on XX/XX/XXXX. They say its because the other payment got reversed. Even though they reversed the payment. I feel that what they are doing is holding my money that has been withdrawn from my account for bogus reasons, and they are earning interest on it ( think of this multiplied by millions of users ). Theres no reason payments should not be posted immediately to my account if the money is in my bank account. I feel that this is illegal, actually. I think this is a very nefarious practice. And I see that its been happening to others when I google it on online. And this is a larger amount of money - the first held payment around XXXX ( then reversed ), the second held payment XXXX.
Consumer complaint received 2024-05-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

Received Amex XXXX XXXX  as a XXXX Tried to use it at a restaurant and it was declined. Called Amex to find out why. They said funds were escheated by the state and I would have to contact them. No info about what state to call or a phone number or why this happened. The card doesn't expire until XXXX.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation (FL)

I am writing to you regarding a matter of utmost importance concerning an identity theft incident that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with Florida state laws and FCRA During the mentioned period, I was XXXX overseas and did not have access to my account or my personal devices due to the nature of my service. Furthermore, I was made aware that my identity was compromised through a XXXX swap scam and email take over, which allowed unauthorized individuals to gain access to my accounts and personal information. 


ONEMAIN account # XXXX date open XX/XX/year> It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with ONEMAIN is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with ONEMAIN or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX To whom it may concern : I received a statement for a XXXX account associated with my name of XXXX XXXX. I believe this account is associated with my grandmother XXXX XXXX with a previous address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not have XXXX and never have had an account with XXXX. My grandmother and father had an account about 2 years ago with XXXX, but my father passed away XXXX XXXX XXXX and my grandmother is in a XXXX XXXX XXXX XXXX located in XXXX XXXX 

I have received multiple statements for this bill of {$3000.00} and this is likely linked to my grandmother with a social ending in XXXX. I have no clue about this bill and do not have an address of XXXX XXXX XXXX XXXX XXXX XXXX as this was my XXXX previous address. 

Like I stated she is in a XXXXXXXX XXXXe and does not know anyone or anything due to the multiple illnesses that she has. She is a XXXX XXXX XXXX XXXX XXXX XXXX I am asking to have proof of signatures of my grandmother ( XXXX XXXX XXXX or of mine XXXX XXXX from XXXX showing we signed up for an account of something with XXXX. I have always had XXXX XXXX XXXX but know that my grandmother had XXXX at some point. I am not liable or responsible for this bill or statement. 

I would like signatures from this account showing that we signed an agreement. If you can not provide this information, please close this account as for myself this is invalid, and my grandmother can not pay this bill as her XXXX XXXX goes to paying the XXXX XXXX 

The company website will not allow me to submit a dispute and I tried many ways online as they state in the letter. No option to select dispute reason and can not type enough information to explain anything to this company. Please see attached screenshots. 

Please respond within 30 days or remove my name from this account. You contact me at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your time and please review. 

XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

XXXX XXXX {$600.00} late fees XXXX XXXX  % interest XXXX credit XXXX  % interest XXXX  XXXX XXXX  % interest XXXX XXXX XXXX  % interest XXXX XXXX XXXX  % interest I called. No one that I spoke with is allowed to lower the interest rates.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (TX)

I am currently in XXXX and applied for a TD Bank savings account during XXXX XXXX. My family moved from XXXX to XXXX in XXXX  and there are no TD Banks here. I visited XXXX and attempted to go to TD Bank to withdraw my savings. Contacting their agent, they said the account did not exist when we had the actual card. We provided our SSN, but they said there were no records. Now they are saying there's nothing they can do and the card was the old version so there is no record.
Consumer complaint received 2024-04-12
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. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that I didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (IL)

I had request them to reinvestigate an account on my credit report which has multiple late payments that should not be reporting on my credit report. I ask them multiple times and I didn't get any information back except for them saying this account is accurate and verified without any proof. this account is violating my rights and going against the federal laws. according to FCRA 15 USC 1681 S-2 IT states " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' it clearly says that financial institutions shall provide a notice which I didn't receive. another law that they are violating is 15 USC 1666B which states " 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. '' I did not receive anything 21 days later.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
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. (IL)

I am writing to express my dissatisfaction with the handling of my credit report by your agency. I have identified multiple instances where there have been unsuccessful attempts to remove late closed accounts, including bankruptcy and public records, from my credit history. I am concerned about the accuracy and completeness of my credit report, and I believe that these errors are negatively impacting my creditworthiness. 

Despite multiple attempts to rectify and remove the late closed status, the account continues to be reported inaccurately. 

Despite submitting necessary documentation to demonstrate the resolution of the bankruptcy, the record persists on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, for your review. I kindly request that your agency conduct a thorough investigation into these matters and promptly update my credit report to accurately reflect my financial history. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report. I expect your agency to adhere to these regulations and take the necessary steps to correct these inaccuracies promptly. 

Additionally, I would appreciate regular updates on the progress of the investigation and the actions taken to rectify these errors. Please provide a written response within 30 days of receiving this complaint, as mandated by the FCRA. I am asking for your assistance to remove these items in my credit file : XXXX  XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX  XXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.