davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On Wednesday XX/XX/XXXX, I noticed some signs that my email had been hacked, and that the thieves appeared to by trying to gain access to my financial and retail accounts. 
My first call was to USAA, my only current banking relationship. I froze my accounts, got information on how to implement a digital recovery checklist, and received ( verbally, NOT electronically ) a temporary password and pin to use in the recovery. 

On Friday XX/XX/XXXX, I requested the checklist, and was told that my - frozen - accounts had been taken over by someone who changed all of my access information and was actively in my USAA accounts, but I was unable to regain access since I could no longer authenticate the information on my account which had been changed by the thieves. 
I submitted copies of my drivers license, and gave my correct phone and email information, but was told I would need to wait up to 10 business days to be contacted by the fraud department. I was additionally told that I could not be transferred to Fraud, nor could I verify what the thieves were doing in my various accounts, nor could I make a further attempt to freeze my accounts until I spoke to Fraud. 

Today it is Wednesday XX/XX/XXXX and I have not heard anything from the fraud department, nor do I have any information from USAA about the status of fraudulent usage on my accounts. I do know from another financial service provider ( XXXX ) that was also hacked that the thieves tried to move money from one of my USAA accounts into my XXXX account, in hopes of being able to withdraw those funds. This transaction was blocked. and my XXXX account was EFFECTIVELY frozen from subsequent attempts to access those accounts. 

I wish I could have the same information, action, and assurances from USAA, but in spite of daily efforts I have not be able to do so.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

I converted a lease with Ally Financial into an auto loan and they did not set me up with the online dashboard to make payments. So I had to make a payment through a third party that registered the payment with Ally Financial several days after. Ally Financial is reporting a 30 day late on my credit report for the month of XX/XX/2023 when I indeed paid it before the 30 days. I attached proof of when the payment came out of my account. I've been a customer with Ally for almost 5 yrs and would like to continue this relationship so I would appreciate if this manner gets resolved expeditiously as I'm in the process of purchasing a home for my family.
Consumer complaint received 2024-04-17
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the investigation into the account status and payment history into XXXX Mortgage account. This account was never late and closed and paid in full. XXXX has instructed all credit agencies to correct this actions to paid/closed never late. As well as the removal of the lat payment showing in XXXX of XXXX. This account and Transunion being the issue on fixing it. Each time I have tried to address it within 24 hrs I get a computer automated response email stating it has been investigated and no changes have been made yet. This is the one account that is hindering me from proceeding to qualifying for a new home loan with a better interest rate. As mentioned Transunion is the only agency standing in the way of me being a real home owner for myself and family.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report. I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. Sincerely, By : XXXX XXXX XXXX in fact. For : XXXX / REF # : XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (OH)

We applied for the assistance from XXXX XXXX XXXXXXXX in XXXX. We are were approve and the agency sent a request XXXX XXXX XXXXXXXX program has request documentation via a portal -- -monies owed on account from my mortgage company in XX/XX/XXXX, XXXX, XX/XX/XXXX but my mortgage has not responded nor sent the information via portal or email. The first request file v record was XXXX XXXX  And we are in jeopardy of the funding from XXXXXXXX XXXX XXXX because of if!!! We really need your Help!
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

I have been with this bank for 25 years. Over the years it has changed names many times. I have never been so dissatisfied as I have since Truist took over. 
During the holidays one of my checking account was over drawn by XXXXXXXX XXXX ... 3 times I have over draft protection but my automatic payment on my primary account was not going to be credited until the next day. The XXXX XXXX XXXX Echecks were returned and they charged me XXXXXXXX XXXX in check bouncing fees, the checks were returned to the establishment that the money was owed to and they also charged meXXXX XXXX  a return fee. So my XXXX in checks cost me over XXXXXXXX XXXX 
I called the bank and asked for the funds to be returned, they sent me to the bank manager XXXX. Who was on vacation. She saw me 4 days later and stated they could not return the fees since I had One over draft in the last 2 years. 
Of course I was furious and told them after 25 years of banking and fees that I have paid for the checking account monthly I would be closing both my accounts. 
I feel this is poor consumer relations. 
I will close accounts and be done with this establishment.
Consumer complaint received 2018-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On was scheduled to buy litecoin, {$50.00} worth it was pedning for days with a scheduled day of XXXX 2018 Saturday. My account buy were XXXX and the transaction never went through. On XXXX XX/XX/2018 i called to ask why was my buys XXXX and they told me they would have it fixed shortly. Now the transaction have went away im out of {$50.00} and i cant buy anymore.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I sent in several letters to Experian XX/XX/XXXX via certified mail stating that I found several fradulent reports of late payments on my accounts with several creditors. These creditors refused to take my method of payment and are reporting my accounts as late. I requested a dispute and validation of debt from the creditors pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g and they have failed to send any validations of the debts since receiving my requests I requested these accounts be corrected by Experian after finding the contracts with the creditors were all fradulent as they did not inform me of right to rescind pursuant to 12 CFR 1026.23 ( b ) ( 1 ).

It is a Fact that according to 12 CFR Part 1026.17 ( a ) these contracts were not clear and conspicuous and are therefore fradulent. These accounts are disputed/terminated and must be corrected immediately. 
Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also discovered several fradulent inquiries on my account and pursuant to 15 U.S.C. 1681n I have requested they be removed from my account. 
XXXX. XXXX, XXXX Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX. XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX, XXXX Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).

This is also a serious breach of my privacy rights.

This is a violation of the Fair Credit Reporting Act Section 1681n Civil Liability for willful noncompliance. If these fradulent reports are not corrected immediately by Experian i will be seeking {$1000.00} for each fradulent report.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I requested that the inquiries on my accounts be verified. I still have not received any information on these inquiries. nor has the company reponed with verification on the cfpb complaint. These are the complaint numbers that have not been responded to XXXX XXXX XXXX Those complaint were sent on XX/XX/2023
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC. (MO)

Health Care Finance Direct has committed fraud against me as a consumer as follows : This company has provided false information of material facts to ensure payments.

They violated HIPPA law by financing my treatment through a third party.

HIPPA Law is threatened to be violated by sharing my sensitive medical information to a third party without debt verification.

Health Care Finance Direct is over billing me outside of services that were provided because, due to my health insurance being provided to first party vendor XXXX XXXX XXXX. 

The inadequate bankrupt company also mislead me by ensuring that my federal dental insurance covered the cost of my treatment. 

My treatment was never completed, and I did not receive everything needed, though I was surprisingly financed for it.

Health Care Direct Finance Company is telling me to reach out to Smile Direct Club ; but they know the company went bankrupt.

Heath Care Direct Finance Company is now billing me and threatening to sale my information to another third-party debt collector which is illegal because as a consumer I do not agree to that, and the debt has NOT been validated.

Health Care Finance Direct is causing me pain and suffering, due to the stress of threats though email, constantly attempting to charge my credit card for fraudulent charges. 

I am being billed for services not provided and unfinished treatment THAT I NEVER RECIEVED.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 an unauthorized individual walked into a Wells Fargo bank branch with my account number and tried to withdraw money. That bank flagged the account and refused the money and called me to tell me what happened. While that was occurring the culprit went to another Wells Fargo branch with the same information and that branch gave them {$2000.00} from my account with the same false information. I then submitted a fraud claim to Wells Fargo to get my money returned and closed the account for safety. The fraud department denied my claim because they said I was in the same State on the same day as the theft. So basically they were accusing me of withdrawing the money and trying to steal from them. I then sent several more appeals, filed a police report and still the fraud department continues to deny my claim with the same reason. Wells Fargo also declined to tell me which branch actually let the withdraw happen and was hiding information from me. I tried escalating the situation as far as I can but they dont care at all to help to me get my money back that was so clearly stolen. I am in the process of filing another police report in the state of Maryland where the theft happened.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

On XX/XX/2023 I was in XXXX and was attending a XXXX concert and needed to purchase two tickets. I met up with XXXX XXXX who claimed he had two tickets in Sec XXXX for {$220.00} and we arranged a Zelle transaction for the purchase. He had mentioned he and his partner couldn't make the show and had two seats in Row XXXX XXXX- they were part of a 4-day pass. He agreed he would send me the tickets on XXXX, and we figured we would make the transaction with Zelle because it's linked up my bank. He assured me I had nothing to worry about. He mentioned " let me know when you send money so I can make the transfer. I'm no scammer. '' He even sent me screen shots of the tickets. He swore he would send the tickets. I sent the money transfer to his girlfriend XXXX XXXX XXXX he said " hold on, let me just confirm. '' Shortly after he ghosted and ran away. I filed a police report with the XXXX XXXX XXXX complaint report : XXXX - XXXX - XXXX reported to P.O. officer XXXX XXXX # XXXX. I then filed a dispute with my bank XXXX claim # XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.
Consumer complaint received 2023-12-22
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

I spoke to AMEX at the XXXX number on XXXX and on XXXX at XXXX XXXX  and they confirmed on both calls that the two American Express eGift cards totalling {$550.00} were loaded. I told the person on both calls I had been trying for 2 years to use these cards online ( because they were online egift card gifts not physical cards ) and the person said that the company who purchased them would need to call and verify. My HR manager did call and spoke to someone at AMEX and confirmed the cards were active. AMEX told my HR Manger that some online stores do not accept the egift card and to keep trying other merchants. I have tried XXXX, XXXX, XXXX, XXXX XXXX and XXXX online and all were declined. I would just like to be able to use these gifts at merchants i buy from and I haven't been able to. I have copies of the American Express eGift Cards that show the card number, expiration date and CVV number along with the email from my HR Manager that tried to help as well but got no where with AMEX.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Back in XX/XX/2023, my Capital one credit card had two charges I did not recognize. I contacted Capitalone, They removed the charges and issued me a new credit card. With my new credit card several months later, there were two charges on my statement again. The same billing name.However this time when I contacted Capital one they issued me a new credit card but said I am responsible for the lasted charges of XXXX So I canceled my capital one account. They are harassing me and the new charges are up to {$180.00} ( FYI I payed are other charges that I am accountable for in full and on time as my credit score is over XXXX ) Capital one wants to ruin my 50 year of great credit that I'm proud of. My only credit card I have left is XXXX they also were able to find this account # and I was hacked again. XXXX was more empathic, issued me a new card and wave fraudulent charges. Now I'm afraid to use my credit cards. I'M feeling frustrated and criminalized. and no one will help me. Thank You XXXX XXXX if you need to contact me you can also speak to my son XXXX XXXX, As I go to a lot of XXXX appointments. ATTACHED IS POLICE REPORT I MADE AND DOCS AND LETTERS WITH NO SOULATION!!!!!!!!
Consumer complaint received 2023-12-20
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. (WA)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXXXXXX XXXX XXXX Unauthorized INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.