davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/2021 the IRS deposited my XXXX XXXX XXXX to the wrong checking account. I did not provide the account number to the IRS that was used to send the money to. The IRS previously deposited my first XXXX to the correct account. I requested the IRS research my payment because I never received it, and they provided me with an account number for a checking account at USAA that I am not a signer on and do not have ownership of. I contacted USAA to have them research the payment and provided them the account number to which the payment was deposited via the XXXX clearinghouse network. USAA confirmed that I am not a signer or owner of the account and that the payment was credited to this account ( account # XXXX ). USAA initiated a formal internal investigation and despite knowing that the payment was credited to the incorrect account, responded to me with a letter saying they were unable to correct the error. XXXX rules of XXXX transactions require that the sender include the name of the beneficiary. Even though the receiving institution is not required to manually verify the name at the time of posting, when USAA was investigating my dispute, they should be able to see that the payment is for my benefit and that my name is attached to it, as well as being able to see that I am not associated with the account the payment was deposited to. USAA however refuses to correct this error and credit my account in accordance with the XXXX rules and the original intent of the credit request from the IRS.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (PA)

When finishing filing my tax returns with XXXX, I was presented with an offer to receive my refund faster on the condition that I sign up for a " Spend Account '' with Credit Karma. I signed up for the account successfully and was then directed to a finish page. 

The same day I was notified that the IRS had accepted my return. However, I received no such " advance '' as was advertised. 

As a result, due to other extenuating circumstances with XXXX XXXX regarding money they stole from me that was overpaid to them for a mortgage over a week before the closing date of my sale, and also due to what XXXX described in an email as a " technical issue '' making the proceeds from that sale inaccessible, I am suffering financial hardship.
Consumer complaint received 2018-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX, I contacted Transunion to dispute inquires on my credit report. I have not authorized these inquires and I have received little to no cooperation from both the credit bureau and the creditors to remove the following inquiries.

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from NXX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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. (TX)

XXXX XXXX is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA
Consumer complaint received 2023-11-03
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. (TN)

My student loans were with XXXX for many years. This year I applied for PSLF forgiveness and was granted it. XXXX Transferred my loans to XXXX as part of this process in XXXX XXXX XXXX. My credit reports, after forgiveness, still show a balance on the XXXX loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the three bureaus. On the very first dispute, the wrong information was removed by XXXX, but both Equifax and XXXX state that the information is verified as correct by the Dept of EdXXXX XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to XXXX. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from XXXX. The documentation I provided was the disputes themselves, Letters from both XXXX and XXXX saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my XXXX  text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than 2 weeks. Can I sue XXXX or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Consumer complaint received 2022-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I really need someone to look into where my refund is and providing an actual status. I submitted my request in XXXX and EdFinancial seems to have no idea where it is and is blaming XXXX XXXX. It has already been passed the XXXX XXXX XXXX. That is absolutely absurd. 

XXXX XXXX  filed their refund request XXXX XXXX after I did and had a completely paid off loan and have already received their refunds. 

It should not be this hard to provide an update to where the money is. Has it been processed? When can I ACTUALLY expect it? The XXXX XXXX XXXX XXXX doesn't apply since that has already passed. 

This my XXXX attempt trying to get some information because customer service is not helpful at all.
Consumer complaint received 2023-11-02
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. (IL)

XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (FL)

On XX/XX/XXXX, I sent a letter to Diversified Adjustment Service asking them for validation ( not verification ) of a debt they had placed on my credit as a collection. I've never entered into a contract with this company. I requested an original agreement with my signature on it, an agreement between this company and the alleged original creditor, and I also asked for proof that they had a right to collect on any date in my state ( Florida ), as there's no proof that they are a licensed debt collector in Florida. On XX/XX/XXXX, the company responded with an itemized statement. This clearly isn't a validation of debt. 

On XX/XX/XXXX, I sent another letter asking for validation again. If not, I requested that the company deleted this from my profile. I asked for a reply or a deletion within 30 days. Today is XX/XX/XXXX, and this alleged debt is still on my credit profile causing serious damage. Also the company has not responded. I'm submitting this complaint because the company hasn't validated the debt, nor has it provided proof that it is even legally able to collect on debts in the State of Florida.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

I have a duplicate charge of {$44.00} for XX/XX/23 & XX/XX/23. I have called XXXX which is where the charge originated from and apparently it is Direct Express glitches ' that are causing the double billing. They collected on the XX/XX/23 charge and have not collected on the XX/XX/23 charge and do not intend to, per XXXX this is not longer a pending transaction and should have been credited back to my accoung I have called Direct Express several times over the last week. I actually waited on hold for two ( 2 ) hours and again for over an hour. You can not get through. I called Comercia bank as they are the bank which issues the card and they could not help and refused to even talk to me. 

Someone needs to be held accountable for this. I have tried to dispute the charge, but can not get through. Something is going on with the company. XXXX stated that it is XXXX XXXX and Direct Express experiencing this problem with double billing.
Consumer complaint received 2018-10-14
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. (FL)

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (FL)

These accounts is not mine XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

I have reached out to XXXX both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (NV)

I let someone use my phone during a visitation and he utilized my XXXX XXXX to send himself funds he previously prior to this event. This person sent money owed to me in increments that month and then sent it back to himself without my knowledge. After unlocking my phone to allow him to use it during a visitation, XXXX XXXX was able to be utilized. I never fathomed having to use facial or additional security and have never had money stolen to even need these security measures. My account reflects the lack of outward funds to anybody for any amount higher than $ XXXX in all these years of being a discover bank customer. I also hardly use XXXX XXXX and only set it up to receive the payments he said he could only send via XXXX XXXX. This person has also not returned calls or inquiries about this transaction, and has proceeded to change his phone number ( the number the XXXX XXXX was sent XXXX ), and there is a police report for the phone in question ( he also stole the phone ) the day of this occurrence as other issues arose. This was an unauthorized transaction on my account I request it be disputed. I disputed the charge, Discover removed it, then decided it was authorized. I also do not deal with this person, and since the incident have a police report and a restraining order. There have been many incidents with this bank account with Discover before this that have questioned my thoughts of discrimination against me with my financial partnership with Discover Bank. They should also be investigated for their " maintenance '' for days at a time ; making account holders unable to access funds. This has caused us to be stranded, without food/gas at times with NO email/alert to let us know of scheduled maintenance. There has been a time I was almost evicted as they randomly decided to stop XXXX for certain accounts before a particular date. My employer could not pay me on time and I almost lost housing, A phone rep ( on a recorded call ) said they would rectify any fees I incur with my landlord for the issue they caused. They never rectified the issue. These are just a few, of many issues I've encountered, but don't seem to hear other account holders facing said issues.
Consumer complaint received 2024-03-31
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2022-12-23
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: Resurgent Capital Services L.P. (CO)

XX/XX/2022, XXXX, The amount of XXXX for account of LVNV FUNDI My Actions was sending two rounds of letters you sent that the accounts still remains and have not been fully validated. The credit Bureau is XXXX
Consumer complaint received 2022-12-23
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THIS FRAUD XXXX ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-06-06
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: Resurgent Capital Services L.P. (IL)

I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Consumer complaint received 2018-10-14
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)

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that Equifax and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-06-06
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: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX INQUIRIES XXXX XXXX Inquiry Date XXXX and XXXX XXXX Inquiry Date XXXX