davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Our accounts were frozen for fraudulent checks being returned. My wife was unfortunately a victim of a scam. The returned checks were covered by overdraft protection we had in place and the negative balance has been placed on our credit card ( with cash advance interest charged ). We immediately transferred in more than enough funds from another bank to rectify the situation- this transfer cleared on Friday XX/XX/XXXX XXXX XXXX Despite the overdraft being covered and having enough funds in our account to pay off our credit card, USAA has kept our accounts frozen and left us with no ability to pay our debts or pull out our funds. USAA will not provided a specific date on when our accounts will no longer be frozen. Everytime we call the estimated time of the freeze being lifted gets pushed back. It went from 2 days, to 7 to 10 days, to them now saying it could take up to 45 days. Despite repeated inquiries and USAA confirming that they completed the fraud investigation on Thursday XX/XX/XXXX, our accounts are still frozen.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC (FL)

I Was in a bankruptcy. I asked the judge and West Lake Financial if i could have permission to pay the auto loan outside of the bk. I wsas given permission to do so and paid every payment. On XX/XX/2023 I made a normal payment. But when I called in to make my XXXX payment on XX/XX/XXXX I was told they charged it off on the day before on XX/XX/2023 merely 2 weeks after i made my last payment. The auto company ( West Lake Financial ) wouldn't let me make a payment on XX/XX/XXXX as they stated they charged it off on XX/XX/XXXX the day before the payment was actually due. Westlake states they charged it off in error as i came out of XXXX but their system did this and they didnt know how to fix it. They could see it was an automatic system issue. But no fixing that now. So they told me they had no choice but to reposes the vehicle. My Vehicle was picked up Wed XX/XX/XXXX. I tried to make the payment at least 5 times in XXXX and was denied. This has caused a major hardship. I reached out to the owner XXXX XXXX via email on the XXXX of XXXX for help to rectify what their issue was but to date have had no response.
Consumer complaint received 2024-02-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC (CA)

I have been in the debt relief process for about 8 months. My accounts are supposed to be negotiated within the XXXX month timeframe as they mention multiple times. They sometimes send a statement that just show my accounts are pending. I have put close to $ XXXX into an account that I have also ask to get the contact information so I can make sure my money is still there. I can not get any answers and now I have stopped paying my debt for the 8 months, at their direction, and credit is poor or worse. The money I have spent could have kept my accounts at least in decent standing. They have even offered " early graduation '' by providing a loan to pay off everything after 6 months and no word. I'm surprised my creditors haven't sent me to collections yet, or worse.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

My credit score dropped XXXX points, and as a result from Sequium Asset Solutions from XXXX XXXX, I have NEVER EVER used XXXX nor have I ever agreed to use their services. and it is causing my credit score to drop several points. I have no idea who these people are.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CT)

To whom it may concern, There are two accounts from XXXX XXXX representing XXXX XXXX. I have provided them with copies of my paid bills, as well as proof that I had another insurance and disputed it with the credit bureaus. Unfortunately, they did not respond, so the credit bureau XXXX requested that I file a complaint with you. Then they will remove this from my credit account. 

There is also a third account from my previous landlord, XXXX XXXX XXXX I have provided proof of all my bills and rent payments, but they have charged me for legal fees without any court order. I provided the docket numbers, but they have not responded to the credit bureau. XXXX wants me to file this complaint, and then they will remove it from my account. 

I appreciate your assistance regarding these matters. 

Thank you. 
XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc. (NY)

You sent {$990.00} to XXXX XXXX XXXX XXXX XXXX, Your money transfer has arrived in XXXX XXXXXXXX XXXX XXXXXXXX XXXX  account! 

Here 's a receipt of the transaction for your records : Transaction Time XX/XX/2024, XXXX XXXX EST Confirmation Number XXXX Sender Name XXXX XXXX XXXX Name XXXX XXXX Recipient Number XXXX Date Funds Available XX/XX/ Total Sent XXXX USD Exchange Rate XXXX XXXX USD Total to XXXX XXXXXXXX XXXX XXXX XXXXXXXX Auth Code XXXXXXXX XXXX XXXX Email us at help @ sendwave.com if you have any questions about this transaction! 

Ps. How did we do? Please take a couple of minutes to complete a very short survey Sendwave | http : //sendwave.com For security reasons, you can not unsubscribe from payment emails. 
XXXX XXXX dba XXXX  dba Sendwave dba XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX Sendwave Support : ( XXXX ) XXXX You can cancel within 30 minutes of initiating the transaction, unless the funds have been paid to the designated recipient or deposited in the designated bank account by calling Sendwave Support at ( XXXX ) XXXX or emailing us at help @ sendwave.com. This receipt identifies funds have been paid so it is unlikely you can initiate a cancellation request. Please contact Sendwave Support if you have questions about your transaction. 

*Your recipient may receive less due to fees charged by the mobile wallet provider, by a bank and/or foreign taxes. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days by email ( help @ sendwave.com ). You can also contact us for a written explanation of your rights. For more details see the Remittance Service Agreement, Section 14 ( www.sendwave.com/tos ). 

If you still have an unresolved complaint regarding the company 's money transmission activity, please direct your complaint to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX phone : XXXX XXXX You can also contact the Consumer Financial Protection Bureau XXXX CFPB at : XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov
Consumer complaint received 2024-02-06
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: Block, Inc. (CT)

On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

XXXX XXXX XXXX inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

Afterpay US Inc. didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I have a checking, savings, and cd account at Webster Bank. My branch is in XXXX XXXX XXXX, in XXXX, XXXX, New York XXXX I check my accounts everyday online. I am very concerned about all of the scams that have occurred. On Friday, XX/XX/XXXX, I checked my accounts using the usual user name and pass word. On Saturday, XX/XX/XXXX, I was denied entry. I tried four times. I called the central office at XXXX, and I established a new user name and pass word. I was very upset about this because It didn't make sense that I couldn't get in with the usual pass word. My husband and I went to the branch at XXXX XXXX XXXX and spoke to a young man named XXXX. We changed the pass word again, and he said he would discuss the situation with the manager, XXXX, on Monday, On Monday, XX/XX/XXXX, I called the central office again and spoke to the fraud department about my concerns. I was concerned that my pension check had been deposited into my checking account on Saturday XXXX, and I was not able to enter my account on that day. I felt that someone may have entered my account and changed the codes. Saturday is a slow day for banking and the checks are not usually direct deposited on Saturdays. I was expecting it on Monday, XX/XX/XXXX, but I check my accounts everyday by force of habit. XXXX called me from the branch on Monday, XX/XX/XXXX after I called the central office. She said the original pass word had been restores and the new pass word was still usable. She said the confusion was that my husband and I had two different accounts. We have never established two accounts. We always only had one account together. I am concerned that the original user word and pass word were deleted mysteriously and then reappeared mysteriously after I established new does. I fell that someone tampered with my account. I ask that this situation be investigated.
Consumer complaint received 2024-02-06
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

American Express 2 inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

XXXX XXXX XXXX didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2024 someone tried to open a ChaseXXXX XXXXXXXX XXXX  acct in my name. On XX/XX/2024 I received a notice stating thank you for apply and the reason I was declined. 

On XXXX XXXX I contacted Chase who provided me with a reference number. Then I contacted XXXX XXXX who helped me put an alert on my credit.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (TN)

I have reported to f.b.i and identity theft.gov and u.s embassy of XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of irs representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and Tennessee department of revenue report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is 3 students loans were taken while I was gone in XXXX, XXXX and the 3 loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to XXXX by mail and received it on friday XX/XX/XXXX, and documents were signed for as well
Consumer complaint received 2023-05-01
Product: Credit card or prepaid 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: U.S. BANCORP (OH)

XX/XX/XXXX - called fidelity card service dispute to confirm the reasons behind not honoring my dispute ; they confirmed that the reasons will be sent to you in another week XX/XX/XXXX - I was told by customer service representative that dispute over 60 days from transaction posting won't be entertained. Challenge her on future transactions but she stood the ground pointing to the billing statement wording " You must contact us within 60 days after the error appeared on your statement. '' XX/XX/XXXX - called fidelity cards service and was told that a representative from disputes will call back XX/XX/XXXX - dispute transaction credit reversal in the amount of {$120.00} XX/XX/XXXX - mailed via USPS the form with details on dispute XX/XX/XXXX - dispute transaction credit in the amount of {$120.00} XX/XX/XXXX - called fidelity cards service asking for help as the vendor was acting smart and not responding to the settlement XX/XX/XXXX - transaction made with XXXX XXXX XXXX CA for {$180.00} towards XXXX XXXX classical violin classes at the cost of {$15.00} per class
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Recently i looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking to verify as accurate XXXX XXXX & XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

After having months of issues with the vehicle after just recently purchasing it, I decided to go back over my contract. 
I realized that there where some direct violations and discrimination of my rights. 
1-stolen downpayment of {$50000.00} 2-Coherced into putting a large doenpament 3-Rushed to sign an agreement that I could not read at the time of signing but was told the vehicle would be gone of I dont sign now. 
4-Vehicle having hidden issues that showed up within the first 6-12 months., 5-Though I pay CapitalOne for the car note, I have NO CONTRACT between myself and Capital ONE at all. I only have a contract between myself and XXXX XXXX XXXX, the dealerships main company. 
6-Violations of TX codes : 215.250 using terms to such as Price was this now that, Bluebook value is and Now, Original MSRP was this, Now that. 
These terms where used at time of sale. 
according to the TX CODE 215.250 such terms can not be used to coherse buyers for a pushed sale. 
7-The agreement has 1 signature from myslef and none from Capital One. 
8-CapitalOne has no contra t or agreementr with myself only the desalership.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Greetings, When I called to make my payment over the phone, I was caught off guard and extremely surprised that my balance went up some {$300.00} and I was over the credit limit. 

When I called to inquire about this I was told that these were interest charges and when I asked to remove, the representative told me no. 

This excessively high interest fees are erroneous and illegal and I am herein disputing these charges Even since I took an {$30000.00} pay cut and then lost my job in XX/XX/2023, I had to pay my rent and bills with XXXX and I am in an extreme financial hardship and being the head of household in a family of XXXX, this has added to this financial distress and hardship Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent a letter off on XXXX XXXX, 2023 to remove personal information that I don't want on my credit report. According to the fair credit act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (WA)

On XXXX used Zelle to transfer {$750.00} from my checking account at XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using Zelle and again from my checking account at XXXX. XXXX XXXX debited my account, but Zelle did not transfer the funds to XXXX XXXX. When I check the transactions online in my XXXX. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that Zelle has frozen the funds. At this point, the funds have been frozen for over three days. 

I tried calling XXXX so-called customer service department earlier today ( XXXX ), but got nothing but grief and aggravation from their XXXX IVR ( which they make almost impossible to use ) and from one of their employees, XXXX ( XXXX XXXX XXXX ). I explained the problem to XXXX, she told me to call my bank, I told her that the banks told us ( me and XXXX XXXX ) that the problem was with Zelle and that they needed to fix it, XXXX started to give me a ration of XXXX and I told her to let me speak with her supervisor. She did not do so. Instead, she put me on hold for almost XXXX minutes and then disconnected the call.
Consumer complaint received 2023-10-03
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. (GA)

I received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Equifax reported a total of 9 inquiries on my credit report that I had no knowledge of and the companies who requested my credit information from Equifax was not authorized by me and I had no knowledge of this being g done.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AZ)

This company is TitleMax. When I apply the loan. The agent said the interest rate about 9 % something. But I paid 1 year already and just find down the interest rate 119 % .. this is unexpected.. I tried to call them .but they said that the loan company like that. 
I loan them {$6000.00} I make payment them 1 year already but the loan still {$6300.00} Store address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX
Consumer complaint received 2024-05-01
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencys, which is Experian, did not modify or remove anything.

The date open is not correct date last active is not correct on all three credit reports. Date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Ive attached my previous credit report, and my new credit report to show how Experian violating my rights.