davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am a Service XXXX XXXX XXXX War Veteran and have been a loyal USAA member since XXXX. I am filing a formal complaint against USAA and XXXX XXXX XXXX XXXX for their improper handling of my auto insurance policy renewal, which I believe involves violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. My auto insurance policy ( Policy Number : XXXX XXXX XXXX ) is currently active, and I have been making monthly payments leading up to its expiration on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating that my policy was renewing. However, on XX/XX/XXXX, I unexpectedly received a non-renewal notice dated XX/XX/XXXX, postmarked XX/XX/XXXX, citing O.C.G.A. 33-24-45 ( e ) ( 3 ) ( H ), 33-24-45 ( e ) ( 3 ) ( h ), and 33-24-45 ( e ) ( 3 ) ( I ) related to incidents from XXXX  to XXXX. The notice stated that information from XXXX XXXX XXXX XXXX was used in making this decision. However, I had previously notified XXXX XXXX XXXX XXXX to cease and desist from reporting any information about me as a third-party. The use of this information by USAA and the failure of XXXX to comply with my cease and desist request may constitute violations of the FCRA, specifically 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ), and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). My policy includes Accident Forgiveness, which was not considered in this decision, and I had no prior indication that my renewal was at risk. This sudden non-renewal has caused significant financial harm and emotional distress, as I have been left scrambling to secure new insurance under duress. The non-renewal notice did not meet Georgia 's 30-day notice requirement, as it could not have been delivered in time to meet the deadline before the policys expiration on XX/XX/XXXX. Additionally, I had requested USAA to notify me online of any documents related to my policy, yet the non-renewal notice was not uploaded to the USAA system as of XX/XX/XXXX, raising concerns about transparency and compliance with federal regulations regarding credit reporting and consumer rights. I am seeking a thorough investigation into whether USAA 's decision was improperly influenced by information from XXXX and whether XXXX violated federal law by continuing to report information about me after I had issued a cease and desist request. I am also requesting substantial financial compensation from both USAA and XXXX for the harm caused, including out-of-pocket expenses, emotional distress, and punitive damages. I request that the CFPB take immediate action to investigate these practices and ensure compliance with all relevant consumer protection laws.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/year> I sent XXXX XXXX {$50.00} through PayPal. He did not receive the payment. I resent {$50.00} and he did receive it. I contacted PayPal to get a refund for the first non-received payment and they told me XXXX had to contact them. I am not sure if he has. 
On XX/XX/year>, XXXX sent me {$170.00} and {$120.00} to cover the payments. I deposited this into my XXXX XXXX checking acount right away. That evening, I received an email notification on my cellphone that XXXX had sent another {$120.00}. I knew this was a mistake so I rejected this payment. 
On XX/XX/year>, I received a notice from my other bank XXXX XXXX XXXX ( I have a car loan through them and only use this account for car payments ) that my checking was over {$150.00} in the red. PayPal had taken {$120.00} from that account and XXXX XXXX XXXX had charged another {$27.00} for a courtesy pay fee. 
I telephoned PayPal right away and explained all that occured. The rep assured me that they would be contacting my bank to rectify the overdraft. After several days, it was still not taken care of and I had a car payment on XX/XX/year> so I called them to find out the status. I was then told that I initiated a refund to XXXX and it was not their fault. XXXX has not received any refund. I expect them to pay for their errors. The {$50.00} duplicate payment no one knows what happened to, the {$120.00} that they say I refunded but I actually deposited into my XXXX XXXX checking and was later taken from my XXXX Checking, and the {$27.00} courtesy fee that I was charged. This is a total of {$200.00} PayPal owes me.
Consumer complaint received 2024-06-01
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. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-08-27
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. (FL)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have already disputed this account with portfolio recovery a k a XXXX XXXXXXXX. Their comment was, they had the last four digits of my social security number, But they still haven't provided my signature any payments on the account. This still doesn't prove that this is my debt! When I took out the debt XXXX, it was for {$500.00}, and I did make all payments. I still feel I PIF! 
They have not provided proof of debt nor proof that they can collect on debt! Anyone can get the last 4 digits of my social security number and claim I owe a debt!
Consumer complaint received 2024-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I have been having an ongoing issue with TD Bank going on for XXXX  years now. TD bank has been sending my personal banking letters and leaving messages for years that are meant for me to my divorced/former marital home instead of me. 

I have repeatedly called and have went in person multiple, multiple times during the XXXX  years for this issue. They tell me my new address and phone number have been updated and that the old address and phone number has been removed but this never seems to stay deleted/removed. 

They continually tell me and when you will be reaching out, they will tell you the same as I have been hearing for the last XXXX  years that, " it has been done, all has been updated and that only my information is all that they see on there screen '', but if this truly was the case, I would not have to be filling a complaint that my private information is going to a wrong address and messages being left on others peoples lines that are meant for me. 

A recent example of this being ongoing is, when I purchased a CD XXXX ago this year XXXX  and the branch manager at that time also still saw my ex 's information ( which has been deleted multiple times up to that point ) still in there system. He proceeded to delete my ex 's information yet again and again I was told " not to worry that it had been updated/removed and this won't happen again ''. Then just this week Tuesday XX/XX/year>, my ex received a message on his line about My upcoming CD maturing. Why is this happening when it has been countless of time that his info has been deleted?? 

Clearly there system keeps repopulating deleted info causing this Privacy Violation of my personal business to keep happening each and ever time, year after year. Not sure why there system is doing this, but This Needs To get this Corrected and Quick because having my private business being send to others is not something that should be happening to anyone especially for XXXX yrs. 

TD bank can verify and confirm All that I am saying because I am sure they have call logs and correspond logs when they send out and they can go back and see exactly where they have been calling and mailing My Private Information to. 

I am mortified that my private information and my person business is being shared with others because there system can't keep/save any updates or permanently remove information and not to mention potential identity theft that can occur from my personal information getting into the wrong hands.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX 1 Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (TN)

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX  referred my Account to XXXX XXXX XXXX and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX, XXXX and XXXX. I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX, XXXX and XXXX representing XXXX  XXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said XXXX. I spent XXXX  days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (FL)

No confirmation in any form has been received that Goldman Sachs intends to remove their error of {$170.00} reported on the three major credit reporting bureaus, XXXX, XXXX, and XXXX, as admitted in response to my cfpb complaint on XX/XX/year>. 

Moreover, I was charged and paid {$94.00} on XX/XX/year>. I have no bill to refer to. I requested an itemized bill. I have not received a response.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I disputed a student loan that was taken out in my name as a parent loan in XXXX or XXXX of 2021. I Dont recognize the account or the individual who benefitted from the student loan. I was told by the company that the loan was accurate.I believe my identity was stolen to leverage my credit.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX between XXXX {$270.00} disappeared from my PNC checkings account XXXX not shown on bank statement. Called PNC the next day to see where my money went but could not give me an answer. On XX/XX/XXXX between XXXX a Credit from XXXX of {$780.00} was credited but lost {$1300.00}, that did not show on my bank statement again. Called PNC and the representative was thinking there was a glitch in the system since when I withdrawal money out of my checkings account, it wouldn't show anything pending until a week later. I was given a provisional credit of {$1500.00} on XX/XX/XXXX but on XX/XX/XXXX the took back the {$1500.00} and an additional {$510.00}. PNC XXXX XXXX acknowledged that the bank took my money because they're disputing and assured me I would get it back in 10 business days on XX/XX/XXXX @ XXXX ( Reference # XXXX ). Once the official dispute was filled I was given a {$5100.00} provisional credit. Called PNC to see where the {$5100.00} came from and they explained it clearly. PNC bank later said they gave me a {$6100.00} credit which is not true. They refuse to bring up any recordings that support my case. PNC bank has taking at least {$1400.00} of my money on a recorded line. The amount of money the left my bank account without leaving anything on my bank statement totals at least {$1600.00} for a grand total of {$3100.00} money taken out of my account without leaving any evidence on my bank statement. I believe it has to be an inside job since they acknowledged the money being taken out of my account in front of their eyes on its on a recorded lines they refuse to review.
Consumer complaint received 2024-05-23
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. (TX)

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 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I received notice from Wells Fargo on XX/XX/2017 that my account XXXX was being forcibly closed and consequently discontinued all use and access of the account. Three years later, on XXXX/XXXXXXXX I received notice of a deposit hold for the same account XXXX, indicating that the account had been used by unauthorized others since its reported closure. The only possible reason for others use of this account would be for the deposit of payments intended for me, either checks stolen from my Mail or misdirected wire transfer payments and the subsequent expenditure of the funds without my knowledge. Theft
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On Friday, XX/XX/XXXX I called XXXX customer service telephone number XXXX. 
I called in order to have my account verified through XXXX so I could use it to send people money when need be. The representative that I spoke with took me through a bunch of loops In order to verify my account, including putting deposits into certain things to verify my account. Id became suspicious as the amounts were excessive. XXXX for {$700.00} and another one for {$450.00}. they started to ask for another transaction, and I stopped them and told them that I felt that I was being ripped off. They assured me that I would get all my money back. At this time, I stopped talking to them and called my XXXX XXXX  to file a fraudulent complaint. After a few days, they made a decision against me and said that these transactions were not fraudulent. I told him I wanted to appeal their decision and they told me would take at least XXXX business days for them to look at the situation I have been in contact with them every day since looking to find out if they resolved the issue and so far as of today, XX/XX/XXXX, the only thing they can tell me is it is under review XXXX  my financial institution froze my account so I have no access to any of my money. This is my account that I have direct deposit from my job and I need the money to pay for bills rent, etc.. The burden that I have been left with is costing me serious amounts of problems. I have filed a complaint against XXXX and XXXX  on the handling of the situation. I sent my complaint to XXXX  attorney general and I am now filing this complaint here if I was guilty of doing this, I would not be fighting so hard to prove my innocence and to get my good name back and access to my accounts. I know fraud is on the rise and its harder and harder to know when youre being scammed. But I know I did not choose to do this and I need to be redeemed of all monetary that was taken from me.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX I received an email at XXXX from Usaa that my securty token on my account had been deactivated. I contacted Usaa concerning the email. I stated I think something is going on, I had not been in my account and my token had been removed. The gentleman never addressed on questioned me about my deposits and withdrawals. Later that night in checking my noticed an email about a XXXX of {$1000.00} had been moved from my acct. Also the need to verify adding an account as a user. I went into my acct removed the request to add because I had not authorized new users. I also noticed theXXXX XXXXtransactio. I called around XXXX that night to dispute the transaction and he said to me he says a dispute is already on the transaction. I also asked him how long my other XXXX do woukd be on hold and he said u til XX/XX/XXXX. 

On XX/XX/XXXX a little after XXXX I received an email that a XXXX of {$1000.00} had been done. I called USAA discussed the second XXXX and asked about my call the night before where I asked if the previous XXXX had been disputed. The agent claimed there was no record of the call, it she out in my two disputes. Later that day on my joint checking there were charges of XXXX for a spa and a {$10.00} a beauty supply. I contacted USAA and disputed. TheXXXX they gave back. That night on my credit card I noticed several XXXX charges and another XXXX to a Beauty supple store I again called Usaa and they put in a dispute. 

To dateI have XXXX charges and XXXX have been provided back.
Consumer complaint received 2024-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (VA)

Due to covid I was forced to sign up for Wells Fargo 's forbearance program. 
While on the program the other person on the mortgage passed away and due to that when I went to restructure the loan and get off of forbearance I was denied consideration several times eventually leading to foreclosure forcing me to lose my home and a lot of money by having to do a short sale. 
Then while having to look for another place to live while trying to work hours that didn't go with landlords schedules and health effects from the extreme stress of losing my home of 20 years I ended up losing my job of 26 years. 
This caused me to have to withdraw my XXXX and lose my retirement money to put down the deposits on an apartment and utilities. 
By the time I finally found a place I had less than two weeks to get out so I basically had to leave with nothing but my clothes losing all of my photos, collectables, and heirlooms of my late mom.

Due to losing my job nobody now wants to hire me in my hard gotten career field so now I lost that too so that is fifteen years of my life down the drain.

A couple of weeks ago I get a form letter from Wells Fargo with a check for {$200.00} and an apology that due to a clerical error I was wrongly turned down for consideration for mortgage loan modification which cost me literally EVERYTHING! 
XXXX XXXX dollars for what they cost me and the mental pain and suffering is an insult and they owe me WAY more than that.