davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am XXXX XXXX XXXX XXXX and I have been stationed in XXXX since XXXX. 
In XX/XX/XXXX I discovered that there was a fraudulent personal loan on my credit report that came from USAA. I called USAA at that time and informed them that this loan was fraudulent, and I got told that it would be removed from my account and charged-off. ( I was not informed what charged-off meant at this time ). I attempted to dispute this loan through the credit bureaus for about six months in XXXX since it was still showing on my credit score. The credit bureaus informed me that I have to dispute the loan through USAA. I have been trying to dispute this loan through USAA since XX/XX/XXXX, and they are telling me that there is no evidence of fraud. I had to request a copy of the original loan application which shows that my address was changed at the time of the loan being requested. The address was changed to a place in Utah, again to which I have never resided. I had to then ask USAA to provide a copy of the loan check which shows that the check was cashed into my ex-spouse 's bank account through USAA. I have provided USAA my orders, the fraud check, my FTC report and a police report that was filed in Utah and the military, and they still are telling me that there is no evidence of fraud. This loan was sent to a collections agency who has been trying to collect this debt even though I am disputing it as fraud.
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (NY)

An extra XXXX dollar amount is reported on the card for a purchase I didn't make. 
It is a wells fargo based credit line from XXXX XXXX XXXX XXXX XXXX. 
Wells fargo did not respond. 
XXXX 's submitted something promising to call me back but I've heard nothing. 
I reported this on the XX/XX/XXXX when I received an email. 
It may be phishing, but it is irresponsible across the board and jeopardizes everyone.
Consumer complaint received 2020-12-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

THIS COMPLAINT IS AN ADDENDUM TO CASES XXXX, XXXX. ON FRIDAY XX/XX/XXXX I WAS CONTACTED BY " XXXX '' FROM THE CEO OFFICE FROM USAA ; HER EXTENSION LINE IS XXXX. DURING THIS PHONE CONVERSATION THIS REPRESENTATIVE CONTESTED THE COMMENTS FROM EXPERIAN WHICH INFORMED ME THAT USAA WAS REPORTING MY ALLEGED CREDIT CARD CHRAGE WAS BEING REPORT AS " 51 CHARGE-OFFS ''. THIS CONSUMER HAS NEVER HAD 51 ACCOUNTS WITH USAA. AS THE PHONE CALL PROGRESSED " DIA '' STATED THAT DURING XXXX THERE WAS A USAA POLICY WHICH IF A DEBT WAS OWED TO THE CREDIT UNION ( CU ), THE CU WOULD CUT ACCESS TO ALL ONLINE ACCESS TO ANY ACCOUNT. INXX/XX/XXXX, I WAS RE-STATIONED IN XXXX AS I LEFT XXXX. THIS CONCEDED THE FACT THAT USAA WAS SENDING STATEMENTS PERTAINING TO THE INCORRECT ADDRESS AND I HAD NO RECOURSE IN CORRECTING THE ISSUE AS MY ACCESS TO MY ACCOUNTS WERE RESTRICTED BY THE POLICY THAT HAD IN AFFECT AT THE TIME INXX/XX/XXXX. XXXX INFORMED ME THAT SUCH POLICY HAS BEEN TERMINATED. IN XX/XX/XXXX, USAA SENT ME A CHECK FOR {$200.00} FOR A REFUND FOR FRAUDULENT BANK CHARGES ASSESSED TO MY ACCOUNT WHICH CAUSED MY ACCESS TO BE RESTRICTED. THIS DISCLOSURE CONTRADICTS THE EXPLANATION PROVIDED BY USAA TO CFPB ON XX/XX/XXXX CASE # XXXX. " BETWEEN XX/XX/XXXX AND XX/XX/XXXX NO CREDIT CARD PAYMENTS WERE RECEIVED. ON XX/XX/XXXX THE ACCOUNT WAS PERMENANTLY CLOSED, AS IT HAD REMAINED PAST DUE FOR 90 DAYS. DURING THIS TIME, USAA MEMBER DEBT SOLUTIONS BEGAN MAKING OUTBOUND CALLS, VARIOUS PAST DUE NOTICES WERE GENERATED, AND MONTHLY CREDIT CARD STATEMENTS WERE SENT TO YOU. '' AS XXXX CONFIRMED USAA SENT ACCOUNT INFORMATION TO AN ADDRESS AND STATE I NO LONGER LIVED IN, WHILE USAA RESTRICTED ACCESS TO MY ACCOUNTS, BASED UPON THEIR FORMER POLICY TO RESTRICT ACCESS TO ACCOUNTS IF PAST DUE BALANCES EXIST. XXXX ALSO STATED THAT I MADE A STATEMENT FOR " USAA TO CEASE COLLECTION EFFORTS IN XX/XX/XXXX '' THIS IS AN ECHO STATEMENT  FROM CASE # XXXX. " USAA CEASED COLLECTION EFFORTS IN XX/XX/XXXX, PER YOUR REQUEST FOR A CEASE AND DESIST. '' THIS IS FALSE, AS XXXX CLEARIFIED ; THE CEASE AND DESIST WAS ISSUED TO A 3RD PARTY DEBT COLLECTOR AND NOT USAA DIRECTLY. USAA MISREPRESENTED THIS ELEMENT IN THEIR STATEMENT TO CFPB. USAA CONCLUDED BY STATING THAT THEY ARE OBLIGATED TO REPORT ACCURATE INFORMATION TO CREDIT REPORTING AGENCIES, AND AT THIS TIME " XXXX '' STATED THAT XXXX WAS AT ERROR FOR REPORTING THE " 51 CHARGE OFFS ON MY CREDIT REPORTS.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed immediately.
Consumer complaint received 2020-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (MO)

On XX/XX/XXXX, I created a XXXX credit score account. Upon reviewing my XXXX credit report, I saw a debt that I did not recognize, allegedly due to " Central States Recovery, Inc. '' I reviewed the debt and have no reason to believe that I owe it. I never received written notification or any other communication from Central States Recovery about this debt before seeing it on my credit report. None of my family members have been contacted by phone, mail ( my home of record ), email, or otherwise. I have no reason to believe that they ever sent me the required written notification of this alleged debt. I called Central States Recovery on XXXX XX/XX/XXXX after submitting a dispute with XXXX, and the woman I spoke to said that she could not give me any information about the debt. I asked several times for her to please give me any information at all, all to no avail. I asked to speak to someone else, and she told me that I could not do that. I asked to speak to the legal department, and she said that they do not take phone calls. I asked if I could make an appointment with them, and she said they would not be available until XX/XX/XXXX. She refused to cooperate with any of my requests for information, and when I continued to politely ask why I was being denied information, she hung up on me. I have sent a written dispute and request for verification of the debt via certified mail with return receipt requested.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.
Consumer complaint received 2020-12-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (OH)

On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called Debt Recovery Solutions in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through XXXX in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX XXXX XXXX at Debt Recovery Solutions and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

I requested a card be sent to my new address because of moving and was told I was issued a card I did this in XXXX but after not receiving card I inquired and it was never even sent So I was told they were going to send this time and expected a couple weeks later I called again a third time now and they said Florida 's unemployment office spelled address wrong Here we are I FINALLY received card XX/XX/XXXX I promptly set up account and was only informed that all my deposits were returned the wordage " Returned Unpinned Deposit '' Florida unemployment tells me that the funds were delivered back to card yet two weeks later still no funds Really this whole situation makes one rethink their existence
Consumer complaint received 2020-12-22
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: ALLY FINANCIAL INC. (MI)

My payment with Ally financial is due on the XXXX of every month. Ally financial is reporting a payment as 30 days late on my credit report from the month of XX/XX/XXXX that was paid on the XX/XX/XXXX when the payment was only 8 days late. Ally financial is also reporting my XX/XX/XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XX/XX/XXXX but Ally financial knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XX/XX/XXXX and on XX/XX/XXXX. Ally Financial is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Consumer complaint received 2022-09-11
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. (CA)

In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NV)

I AM TRYING TO BUY A HOUSE AND ITS DEFAMATION TO MY CHARACTER AND LIVELIHOOD. I HAVE ALREADY CONTACTED THE COMPANIES TO WHERE THE ACCOUNT WAS MADE, SENT LETTERS TO DISPUTE IN 2022. I HAVE REPORTED IDENTITY THEFT AS WELL AS REPORTED DATA BREACH.
Consumer complaint received 2020-12-22
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. (VA)

According to my credit report CHILD SUPPORT ENFORC has been reporting inaccurate information. I have paid on time every single month by them taking wage garnishments out of my check. However, on my credit report, it shows that I've been on time XXXX XXXX XXXX-XX/XX/XXXX. The somehow a collection in XX/XX/2020 then On time inXX/XX/XXXX. Then Collection from XX/XX/XXXXXX/XX/XXXX, then on Time again from XXXX. According to the The Fair Credit Reporting Act Law ( FCRA ) it is a federal law that requires credit reports to be accurate and fair.
Consumer complaint received 2023-05-11
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

I've had my mortgage since XX/XX/2018 and never have missed a payment or have been late and I was marked late in XXXX of this year with a 30 day late payment and I had the funds available the bank just changed that it wouldn't accept payment from my business bank account. I overnighted a check to rectify the payment.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (LA)

I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.