davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA COLLECTS ON ID THEFT. USAA does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges USAA is well aware of Unauthorized Charges XX/XX/XXXX. XXXX XXXX XX/XX/XXXX USAA FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.USAA DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO USAA CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS USAA FAILS TO RESOLVE. ( see attatched XXXX   Dispute USAA has Certified to XXXX that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Consumer complaint received 2023-06-21
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. (GA)

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 Experian and 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

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 adverse item of information, other than records of convictions of crimes which 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 aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to Experian XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX  treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I tried to temporarily lift a freeze that I have on my credit report due to job searching. 
I tried doing it online but I never received the 6 digit code they were to send me. I tried this severl times. When that did not work I called twice and was instructed to go to the web site which was not working for me. I tried to get a representative but was told that none were available. They make it so difficult, I had no problem with the other bureaus. Experian is just antiquated and their web-site just don't work. I hope the delay in this temporay freeze lift does not have a negative impact in regards to the job that I am trying to get.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my report.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have unauthorized inquires on my credit report. 

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
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NC)

Robinhood.com a brokerage company and offering a money saving accounts that is insured up to XXXX XXXX dollars. through their gold service. 
I started depositting my money to their gold account as they offer 5 % yield ( high yield ) I have ( XXXX $ ) in saving with them now. 
I'm trying to withdraw some money from it to pay my bills. ( XX/XX/2023 ). 
they put restriction on my account so i can't withdraw or trade my own money. 
I feel scammed as they always assured my deposits are FDIC and XXXX insured and i can withdraw my money anytime.
Consumer complaint received 2023-10-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-04-23
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX XXXX XXXX, has violated my rights. 
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. 

This is a fraudulent account ; I did not open any account with this creditor.
Consumer complaint received 2023-10-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ME)

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX   XXXX  XXXX  I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2023, I filed XXXX complaints with the Consumer Financial Protection Bureau. 
The first complaint, CFPB Complaint # : XXXX, was regarding my Checking & Savings account with Bank of America XXXX The bank changed my account several times, and with each change, money was missing from my balance. 
The second complaint, CFPB Complaint # XXXX, was related to a credit card dispute for {$150.00} with XXXX XXXX XXXX XX/XX/2023 XXXX In XX/XX/2023, Bank of America reversed the charge with the help of the Consumer Financial Protection Bureau. 
On XX/XX/2023, my credit card balance was {$100.00}, and I paid it in full at the Bank of America XXXX located at XXXX XXXX XXXX XXXX. XXXX. I paid {$100.00} through an ATM and {$2.00} through a branch payment. The clerk was rude but assured me that I had a XXXX balance on the credit card. 
However, on XX/XX/2023, I noticed that my credit card balance was {$1.00}, and interest was charged for a XXXX balance. 
On XX/XX/2023, Bank of America aware of the missing funds, multiple account changes made by the bank, and complaints that were not addressed. Bank of America aware I had filed XXXX complaints with the Consumer Financial Protection Bureau, yet, Bank of America chose to close my account ending in # XXXX. 
When I called Bank of America on XX/XX/2023, and spoke with an agent named XXXX from XXXX, she stated that all information regarding my account ending in # XXXX was deleted. 
This is fraud. Bank of America can not ignore complaints, remove money from accounts, and then close the account stating non-activity and/or non-funds. I will file a complaint against Bank of America for ignoring my XXXX complaint against a dealership ( truck ). The truck was paid in full through my savings account, yet Bank of America allowed monthly charges and then changed the account without accountability. 
Note : I can provide documents if requested of me.
Consumer complaint received 2024-05-16
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: DISCOVER BANK (MS)

Enclosed, please find supporting documents regarding my formal complaint against Discover Financial Services regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to Discover Financial Services but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/year>, upon reviewing my consumer report, I discovered an unauthorized inquiry made by Discover Financial Services. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach Discover Financial Services through the provided contact information were futile as the correspondence was returned to me citing an invalid address.

Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consumer report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by Discover Financial Services.

These documents serve as evidence of the challenges I faced while attempting to address this matter with Discover Financial Services. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like Discover Financial Services, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies.

Moreover, the unauthorized inquiry made by Discover Financial Services adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. Discover Financial Services ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer.

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Discover Financial Services updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (IL)

This account does not belong to me its has been open fraudulently under a social security number thats is not mine from Cavalry Portfolio services with account that begins or ends with XXXX thats is being reported to XXXX  in which I have reached out to XXXX  and cavalry portfolio services and neither one of these companies have corrected the this fraudulent account
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX . I disputed this several times with each credit bureau.
Consumer complaint received 2023-10-10
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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.
Consumer complaint received 2023-10-09
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

around XXXX I applied for unemployment my claim ended in XXXX. Than when I reapplied and rectified I thought I was denied. than I put claim after claim and I was and when XXXX my mother brought me a card from her apartment. It was suppose to be send to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. Not once did this happen but twice. when I continued to call about the eligibility the representative from XXXX said I was denied or did not make enough. Which I thought was odd. So when my card was brought to me from the easet there was money on it. I called the bank and they said they deposit from my unemployment. So I went online and notice purchases and deposits that er  made and not from me. I called XXXX and Bank of America and noticed that something was not right. There was over {$50000.00} XXXX. missing from my bank starting with the account and email address as XXXX and now XXXX. When me and the claims rep discuss the transactions of over XXXX disputes that were done. I thought they would credit me some money. so far from XXXX I only received no more than {$2000.00} XXXX. Also I notice that my XXXX pay was was stolen. It was suppose to arrive on XXXX XXXX in XXXX XXXX XXXX XXXX. I never received the card and the Bank of America hung up on me over XXXX to XXXX times. They were very rude very disrespective and not professional about them make XXXX transfers without my permission. and they allowed people to make deposits and go in and take money. MY card is a government card so how could the bank do such action against me and my request of my money that they transferred. The traction 's were made and deposit of the XXXX was transferred to another account at the same time. I want them to all records of my account XXXX can you please investigate this for me.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Complaintant : In Re : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX, Ohio Probate Case No. XXXX USAA Account Checking : XXXX USAA Account Savings : XXXX My File Reference : XXXX I am the XXXX Co-Administrator, duly appointed and bonded. USAA holds funds belonging to the estate decedent, a consumer holding consumer accounts at USAA at the time of his death. On XX/XX/XXXX I sent that organization a certified letter directing it to surrender the checking and savings account funds in the name of XXXX XXXX XXXX, XXXX. USAA failed to even change the mailing address. The USAA organization is holding up the closing XXXX this XXXX, which was opened in XXXX, XXXX. A certified copy XXXX my letters XXXX authority were sent by certified mail, to which I received no reply. On the phone call to USAA, USAA demanded MY personal identifiers rather than accept the ESTATE 'S Federal EIN number prior to releasing any funds. This is unlawful, as the Estate is a person under the law, entitled to due process in the execution of contractual rights. The XXXX holds no title interest in the assets of these accounts, merely the right to collect and administrate these funds for the benefit of the Estate pursuant to his appointment powers. The Estate stands in the shoes of the deceased consumer, whose personal identifiers are a matter of record with USAA.

I request the release of funds in both accounts styled above using one complaint as this requested transaction is common to both accounts.