davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The USAA Bank Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal Visa Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( USAA Bank XXXX XXXX XXXX ) This Criminal USAA Bank Identity Theft was Confirmed by USAA Bank Auditor on XX/XX/2022 Without Resolution because the USAA Bank Admitted that Additional Visa Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal USAA Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General Greg Paxton that Is Required to Provide An immediate Court Order to USAA Federal Savings Bank in Conspiracy Theft Of Multiple Unauthorized Visa Credit XXXX in XXXX XXXX XXXX by Illegal Deployment Classification XXXX ) Contact The Attorney General AND Demand Action against USAA Bank for A Malicious Financial Fraud without Resolution for 24 Months!!! 
USAA Bank Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal USAA Business Telephone Contact is ( XXXX ) XXXX USAA Federal Savings Bank Fraud Agent XXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX XXXX The FBI is Conducting A Criminal Identity Theft Investigation in USAA Bank Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing USAA Bank In illegaXXXX XXXX XXXX XXXX with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate the USAA Bank in XXXX XXXX Texas in XXXX XXXX XXXX!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX XXXX on This Character Assination by USAA Bank XXXX XXXX XXXX XXXX Due Process of Law
Consumer complaint received 2018-05-19
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: Commonwealth Financial Systems, Inc. (OH)

I have requested a copy of the contract bearing my signature with COMMONWEALTH FINANCIAL SYSTEMS ( CFS ) onXX/XX/XXXX, via Certified Mail, CFS received it on XX/XX/XXXX. It has been over 31 Days and still no response from CFS. Again i request a copy of the contract bearing my signature with CFS. There are no notice of disputes on my recently pulled credit report with CFS they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IN)

As stated in my last correspondence, XXXX XXXX XXXX has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
Synchrony Bank did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with XXXX XXXX XXXX or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, Synchrony Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (CA)

For going on 3-4 years now " Hunter Warfield '' out of XXXX FL originally tried gouging me for close to {$1000.00}, I'm guessing after that amount would be a more serious offense for them to scam people out of ( FL small claims courts only care if it's upward or around {$8000.00} ). 
Never have they produced any documentation explaining the claim or never have I received correspondence from the company they claim to be collecting for. This has been consistently happening, for some reason they've lowered it to around {$700.00} which I'm not sure why. 

This is obviously a scam and a feeble shell of a company that shouldn't exist with the most rude and antagonizing staff they could muster. They've called, texted, left messages, called relatives and other numbers harassing for the same claim, most recently having received a generic email again, with ZERO documentation or grounds to keep doing this. 

This is ridiculous, there have been insurmountable complaints against this company and can't believe this has dragged on this long without any resolution. XXXX only knows how many XXXX or XXXX people they're taking advantage of, holding something over their heads as threatening their credit score.
Consumer complaint received 2024-04-08
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. (FL)

Per my Annual Credit Report, Inquiries from XXXX  bureau does not match and is incorrect.

I would like these inquiries fixed as soon as possible. 

Transunion : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services has been harassing me via text and mail in regard to a debt that I do not owe them. 
I have never opened an account with them and do not owe them anything. 
The collection is in the amount of {$710.00}. 
I have requested a debt validation letter requesting the payment address if the original creditor. I requested the Original Signed Contract between me and the original creditor. I requested a full payment history of the account " Not a copy of 1 Statement ''. I requested proof of ownership, assignment, authority to collect, license to collect and license to collect in my state of Texas. 
I have not received any of those items. 
I never entered into a contract with Credit Collections Services. 
I have not received any of the items requested. 
They sent threating letters stating they are going to report adverse credit information to the credit bureaus.
Consumer complaint received 2023-10-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-01-22
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 (OH)

Credit reporting act the list of accounts below has violated my federally protected consuer eights to privacy and confidenitality stated on credit laws anything on my credit report should be concent by me only should given any eport with out my permission
Consumer complaint received 2024-01-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I repeatedly have asked for the final bill from XXXX. I left the company owing {$610.00} this was the amount showing in my XXXX app. After I left XXXX I lost both access to my account information and my ability to make regular payments. I have spoken to XXXX on the phone and via email to get an accurate balance. I've also asked then via email why the final balance is greater than it was before I left and to explain it. Not only have they never responded with the information, neither responded to my request to make payment arrangements for the balance... they just sent my account to COLLECTIONS for an exaggerated amount. 
I opened an email from IC systems over the weekend and had to check ( 2 ) acknowledgement boxes BEFORE they would let me access the screen that showed how much they say I owed which I do not accept. I do not owe an over {$900.00} dollar balance. They are trying to extort money from me and other consumers according to an existing lawsuit and settlement which is actively being adjudicated. My account does not belong in collections and they better not try and report this to the credit agencies as I have not be allowed to 1 ) access the system to pay the balance myself 2 ) make monthly payment arrangements to settle the matter.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (NC)

In XXXX XXXX XXXX XXXX, Google Pay threatened to retaliate against me for reporting criminal employee financial misconduct. There was an errant and duplicative Google charge that errantly went through even though I had already paid for the service. A rogue and corrupt Google employee unilaterally decreed herself higher than law and said there was nothing I could do about her felonious criminal misconduct. Google Pay then attempted to criminally extort me by threatening retaliation for reporting criminal misconduct to my bank- a federal obstruction of justice felony offense. Maybe they believe they can bribe the right people at the Department of Treasury.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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 has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX, I opened my very first TJ Maxx account online. On XX/XX/XXXX, my card was shipped to me, and on XX/XX/XXXX, I noticed a {$140.00} charge on my account from a XXXX in California ( I live in South Carolina ). I was surprised considering I hadn't even received my card in the mail yet. I immediately contacted TJ Maxx customer service and they moved forward with a purchase dispute and said it could take up to 90 days to be resolved. I called their customer service team a month later, XX/XX/XXXX, because the charge was still on there and I wanted an update. The customer service rep indicated that it was still under review. On XXXX, the charge was still on the account, so I called customer service again. This time, they told me that I should have moved forward with a fraud claim instead, so they marked my card as lost/stolen, and closed that account. They told me that it would be another 60 days before that transaction was resolved. On XXXX, I received an email from TJ Maxx that they submitted a request to the major credit bureaus to delete any delinquency that occurred from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I contacted TJ Maxx AGAIN for a status update who then transferred me to the Synchrony bank ( card holder ) fraud department. They stated that I had never opened up a fraud claim on my account in the past. At this point I'm beyond frustrated because I had never been told to contact them in all my prior dealings with their customer service. Finally, on XX/XX/XXXX, I received an email from them stating that I should not be rendered credit because a valid sale was made with my temporary shopping pass. I can not stress this enough that this purchase was fraudulent and not made by me. I ended up writing a letter to the CEO of TJ Maxx on XX/XX/XXXX and mailed a copy of that letter to their HQ in XXXX XXXX I have heard nothing back.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/year>, XXXX CT, I attempted to draw {$500.00} in cash from an ATM using my Charles Schwab debit card. 
I used the southern most ATM ( the drive through furthest from the facility ) at the XXXX location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and chose to receive the {$500.00} in {$100.00} bills. 
The ATM dispensed 4 {$100.00} bills for a total of {$400.00}. 
After I removed the cash, the ATM continued to make noises and remain open as if it were trying to dispense more money. This went on for about 20 seconds. There are cameras all around that may be able to show this footage in more detail. As far as I know, the bank has not considered the video footage but instead relied on an ATM log to investigate the case. 
The XXXX branch is unable to resolve my issue as when I call them, they can not help me since I do not have a XXXX checking account ( even though they operate the ATM ). 
My bank, Charles Schwab, investigated and sent me the files that I attached to this complaint. They stated that " the corresponding bank or the ATM operator has confirmed that funds were dispensed as requested and the ATM balanced ''. Again, this seems to be solely based on an ATM log. Also, the ATM log not catching this mistake is highly concerning.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NJ)

Milestone Mastercard brought on by the XXXX XXXX XXXX continues to send me advertisement mail regarding opening a credit card line. This has been persistent for about several weeks and quite annoying.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

2023 XX/XX/XXXX - Opened capital one 360 checking account XX/XX/XXXX i was sent an email that says " when you bank with Capital One 360 checking account your hard-earned money works harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

I set up my paycheck to be automatically deposited into my new 360 checking account via direct deposit. 

I am an authorized user on a SECURED Capital One credit card, I have access to my online banking with this secured card However, If so I am not able to link the 2 accounts. 

XX/XX/XXXX : I called to check my balance and confirm that my direct deposit was successful. 

XXXX XXXX XX/XX/XXXX I have made calls to capital one to ask for help with my account and not one employee has been able to help me and XXXX XXXX i was told my account is under investigation and they dont know how long it will take AND IF they feel like they owe me money then a check will be mailed XX/XX/XXXX I was told i need to go to XXXX XX/XX/XXXX i was transferred to fraud department and told to leave voice mail and wait for call back
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (NC)

XX/XX/ my consumer credit application was declined/denied by GM Financial . The credit application was for a vehicle. They also referred to the application as a loan and NOT a consumer credit transaction and would NOT let me speak to a supervisor at all. The company is in violation of 15 USC 1602 by NOT recognizing me as the consumer/creditor. GM Financial is also in violation of 15 USC 1611 for giving me inaccurate information regarding the nature of the transaction.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Subject : Urgent : Credit Limit Reduction Impacting Rent Payment To whom it may concern, I hope this email finds you well. I am writing to express my concern and seek clarification regarding a recent adjustment to my credit limit. I observed that on XX/XX/year>, my credit limit was reduced from {$5900.00} to {$4600.00}. This adjustment is perplexing to me, especially considering that I had just made a payment of {$1900.00} on XX/XX/year>. I assumed that this payment would contribute towards maintaining or even increasing my credit limit, given my consistent effort to manage my credit responsibly and the fact I pay my monthly rent every month. 
What adds to my concern is that the reduction nearly negated the effect of the {$1900.00} payment, which I had planned to utilize for my upcoming rent payment due on XX/XX/year>. As you can see from my monthly statements, I regularly use my credit card to pay my rent. This reduction in my credit limit has now jeopardized my ability to fulfill this obligation as planned. 
Additionally, I would like to inquire if there is any possibility of reconsideration or an expedited review of my account, considering the upcoming rent payment deadline. 

I reached out to the credit card company today XX/XX/year> @ XXXX @ XXXX by phone and they informed me that a letter would come by mail regarding their actions.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

The Best Service Company in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
Consumer complaint received 2024-04-08
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. (TX)

I am sending this complaint to convey my profound dissatisfaction with the continued presence of a fraudulent account on my credit report. Upon reporting the identity theft incident, I promptly reached out to the company linked to this fraudulent account. While they acknowledged the validity of the report, they stated their inability to furnish records. However, they assured me that upon submission of the necessary FTC report, the fraudulent account would be expeditiously removed. 

XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 XXXXXX/XX/XXXX