davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

My bank, USAA federal Savings Bank mishandled my IRS tax return. My return was filed as direct deposit through USAA Automated Clearing House. The direct deposit account was incorrect as one number was omitted making the account number 7 numbers. My account number is 8 numbers. USAA agent said the deposit would be returned to IRS as the account number did not match the name of the recipient, which is me ( IRS sends name, routing number, and account number with ACH direct deposits ). This did not happen. i talked to XXXX customer service and Membership Resolution team members for the last XXXX weeks with no results. USAA Retail Banking Operations sent three " Dispute Resolution Concluded " notices claiming they had made the deposit as instructed and said to contact the sender IRS. IRS does not agree and said the issue must be resolved by the bank, USAA. My Congressional office also agrees USAA should resolve the issue. To date contact with USAA ACH department has been attempted by email, phone, and mail with no results. USAA should have matched the deposit number with the recipient name and they did not do this. Rules concerning federal ACH deposits clearly state this.
Consumer complaint received 2024-05-27
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: Upgrade, Inc. (FL)

CREDIT CARD COMPANY UPGRADE SENT ME PROMOTION ON BALANCE TRANSFER USING THEIR ACCOUNT CREDIT CARD. I USED THE PROMOTION FROM UPGRADE TO TRANSFER {$4500.00} TO XXXX XXXX DAYS LATER XXXX XXXX STATED MONEY WAS NOT TRANSFERRED BY UPGRADE. CREDIT CARD COMPANY UPGRADE DID NOT DO CANCELLATION REQUESTED REFUND NOR REVERSE CHARGES OR ALIKE. I HAVE TRANSCRIPTS FROM UPGRADE AND FROM XXXX XXXX AS A CUSTOMER OF SEVERAL YEARS I NEVER BEEN LATE AND NEVER COMPLAINED. Under the Fair Credit Billing Act of 1974, all payment card issuers must offer a chargeback process to remedy fraud and abuse
Consumer complaint received 2024-04-07
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. (MD)

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX of XXXX and the XXXXXXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and XXXX months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me XXXX months later they charged the vehicle off in my name and its still there nearly XXXX years later
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX chase facilitated 4 unauthorized wire transfers that drained my bank account of XXXX XXXX After filing a claim and taking the necessary steps the day of. Chase then 14 days later declined my claim. says they are waiting for a hold harmless letter from the receiving bank and will only refund me what the receiving bank is willing to give back. My account has been hacked several times over the past XXXX years, after changing accounts, several different emails and passwords, and even having my online access completely blocked while this is happening. Chase assured me that I didnt need to switch banks and I was safe.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX and I reached out to Chase Auto in hopes of being excused for my late payments that were late for the due dates of XXXX XXXX, XXXX XXXX and XXXX XXXX. I fell into a huge financial burden when I was hurt on the job in late XXXX which left me homeless and extremely short on funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  I have all documentation if needed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, which resulted in my vehicle being parked at a body shop, which it was later repossessed from. At this time I have gained possession of the vehicle and am back on track with my payments. I did apologize for any inconvenience that I did cause to the creditor at the time of my injury. I had XXXX consecutive payments made before this unfortunate incident took place and reached out in hopes of having these late payments removed from my credit profile. I have reached out to the local boroughs XXXX, XXXX and XXXX and they have informed me that if the creditor would take a letter as " Goodwill '' they would be able to remove these late payments from my credit report with their consent without violating the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I been sending letters and the past ndpressent to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of theae companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last XXXX days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future
Consumer complaint received 2024-04-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Hello, my complaint, here is that the negative report stays on your credit report for seven years after the negotiated debt balance, which was reduced has been paid in full. I would like to suggest that would be two years maximum from the date that they negotiated balance has been paid in full.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

This is an account that was paid AS AGREED on time. I was never late. Billing error And I reached out to the institution to disputed. Please update all billing because this is a violation of the FCRA violation, please update to 100 % paid on time! This is substantially, giving me fear and extending my credit report.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/24 I informed Netcredit that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Netcredit that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

Hi my account was closed by PNC Bank on XX/XX/XXXX with my outstanding balance of {$54000.00} I received my bank statements saying this money has been sent on XX/XX/XXXX to a domestic assisted outgoing wire out of my account to a personal PNC Bank account and nothing sent to me I have contact PNC Bank about my funds the claim it was refunded but on the bank statements it says its been domestic wired to a PNC bank account my attorney contact the branch the said the money is with PNC department and we have to use legal means to collect it but when I reported PNC Bank to XXXX  i received a call from their relative manager saying my funds have been refunded and no funds in the account to be sent to me and when I ask about why the bank statement shows it was wire to a personal account not refunded she said thats all the information she can give and will close the investigation and I wont received this money regardless of what is in my bank statement and what the branch manager told my Attorney PNC is holding the funds. This PNC worker told me I wont receive this money and has nothing more to say about this I should forget about the funds sent to a personal PNC account. I called the customer service and the said the cant find my account apparently someone in PNC is trying to delete the account and the funds so the are untraceable because I threaten to sue them and the want to cover their tracks by deleting the account the customer service said the account number I gave doesnt exist and I was transferred to collection and the collection said the same thing I have been going on with this for months And PNC bank dont want to released my funds claiming it was refunded but on my bank statements its been domestic wire to a personal PNC Account and I was told my one relation manager I wont received my money no matter what I try to do all this is trying to victimize me but Im ready to present every information needed and make others not suffer this from banks I know banks have no rights to keep your money when an account is closed my attorney has been trying to get to em but the dont wan na talk to him because the want to claim the money and said we cant do nothing to have this funds returned to us
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (NC)

My complaint is against Conn Credit Corp. They are in violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act because they are reporting derogatory information that is 7 years old. By law they are required to remove this information. I am requesting they remove the negative marks they are furnishing XXXX, and XXXX regarding a {$2600.00} charge-off they say I owe, under my social security number. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to XXXX immediately!
Consumer complaint received 2024-04-07
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)

in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for 3 months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX months and start the payments again. When we called back, they told us that we had to pay the entire XXXX months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX  MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a credit score in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXXXX 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 2024-04-07
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. (AL)

XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc. (GA)

This complaint is against Experian ID Restoration Services relevant to their False Advertising. Experian advertises a XXXX XXXX liability Insurance Policy, to cover any expenses or losses which take place while you are utilizing their services as a member. They fail to mention that they utilize a second rate Insurance Company to pay their claims. The name of the Insurance Company is XXXX XXXX XXXX XXXX XXXX XXXX  ( an XXXX XXXX ). This Company has a history of failure to honor claims. XXXX XXXX XXXX stated Stupid reasons in their failure claims, even when the record plainly shows their error. They tend to state that the losses did not take place when policy was in force, they disregard bank records which show they are wrong. Dealing with identity theft is stressful enough, without dealing with an Insurance Company which tends to deny claims, and fails to communicate other than to deny claims, and fails to work with the customer for a Resolution. Many of their Customers have had this same problem, with XXXX XXXX XXXX failure to honor contract!!!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

I still have not received written confirmation of the actions that was mailed to LVNV Funding on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX XXXX XXXX  was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to XXXX XXXX whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back. This inaccurate information is causing severe financial harm to my family.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company remove my account from all XXXX credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried disputing a fraudulent inquiry on my credit report and I was unable to do so. The next inquiry needs to be removed from my credit : XXXX XXXX XX/XX/2023