davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

Navient is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Consumer complaint received 2023-11-10
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. (NY)

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (LA)

Sprint Oak Capital LLC account # XXXX is still reporting this account information on XXXX credit report after I asked them to cease all communication. Furnishing this account on my credit report is a form of communication because you are trying to tell me to pay this debt because it's on my credit. Under 15 U.S. Code 1692c - Communication in connection with debt collection I'm an exercising my right to not pay this unverified debt and it states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Subject : Complaint Regarding Fraud Incident and Inadequate Response from USAA Bank To whom it may concern, I am reaching out to formally address an urgent matter involving a case of bank fraud and inadequate response from my bank, USAA. I have been a victim of fraudulent activity and, despite multiple attempts to resolve the issue with USAA, they have failed to safeguard my account or recover my lost funds. This negligence has led to significant financial loss and distress. 

Incident Summary On XX/XX/year>, I received a call from an individual posing as a USAA representative. This impostor informed me that there were red flags on my account, and funds had attempted to be withdrawn. They instructed me to visit a nearby physical bank, as USAA lacks a physical branch, to withdraw and deposit my funds into a new secure account they would create. Importantly, at no point did I share my PIN, password, or other account details, as they already had access to my account information. 

Preventive Measures Taken After this suspicious interaction, I contacted USAA immediately on the following day to confirm the legitimacy of this call. USAA verified that this was indeed an impostor and assured me they would red-flag my account. They advised me to change my PIN, username, and password, and I did so multiple times. I also followed their directive to unlink and deactivate any devices, as well as XXXX XXXX connections, to further protect my account. 

USAAs AssurancXXXX and Failed Security Promises On XX/XX/XXXX, a suspicious pending transaction appeared in my account, which I promptly reported to USAAs fraud department. Despite being reassured that my account was flagged and the transaction would be blocked, I later discovered that my entire balance was transferred out. I contacted USAA immediately, and they promised to prevent the transaction from completing. However, despite these reassurances, my funds were ultimately withdrawn without intervention. 

USAAs Failure to Take Responsibility When I called again on XX/XX/XXXX, a USAA representative informed me that they might hold me responsible for the loss, despite my following all their security instructions and diligently reporting each suspicious activity. USAA had ample opportunity to protect my account and prevent this loss, yet they failed to take timely action. I feel doubly victimized : first by the fraudsters and then by USAAs failure to secure my funds. 

Conclusion This entire experience has been distressing and financially damaging. I am seeking the BBBs assistance to hold USAA accountable for their negligence and to ensure my lost funds are restored. USAAs lack of action and delayed responses have severely impacted my trust, and I believe they must take responsibility for their oversight. 

Thank you for your time and consideration of this matter. I appreciate any assistance you can provide in ensuring that USAA upholds its commitment to protect its customers. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I went in to XXXX XXXX XXXX, Ca. and purchased a gift card to make a Child Support arrears payment. I paid the store cashier {$80.00} plus {$6.00} for an American Express Gift Card. Transaction was completed and I was given a receipt. I tried to register the card for use on the number provided on the card, XXXX XXXX XXXX. I was told by recording that the card was invalid and needed to be registered upon purchase at the store purchased. I journeyed by foot back to XXXX XXXX and was told the proof of register was on the receipt and it was. Manager and I contacted American Express and sent all documents requested before I left the store. After 7 more calls since documents were sent on XX/XX/XXXX, and 6to 8 emails, they usually put me on hold for 20 minutes when I call and then hang up on me. Nothing has happened all calls were fruitless because person on phone ask for card number even though I explain problem, they proceed to tell me it's not registered, return to store to register. I need my money back.
Consumer complaint received 2023-02-11
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. (NJ)

MY CREDIT REPORT IS INACCURATE AND SOME INFORMATION IS FALSE. These hard inquiries needs to be deleted off my credit report with TransUnion because they do not match my XXXX or XXXX or XXXX credit report, nor did I authorize the creditors to get access to my credit report, MY CREDIT REPORTS FROM ALL 3 CREDIT bureaus ARE FROZEN. DELETE THE FOLLOWING BECAUSE IT IS INACCURATE - - - - - - - - - - - - XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX 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/2022, XXXX XX/XX/2022
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-11-10
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. (CA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-04-29
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CT)

A purchase was made for a delivery and the item was never received and it appears canceled and to make matters worse, both companies shared my money and that is called theft. There is no more valid excuse than providing a delivery service and then having to pay a surprise payment, you have to pass to pick up the order, And that's not what the XXXX XXXX is about, It's delivery and that was my expectation of the order. Then the representative did not help me at the time and canceled my order and did not return my money. That's {$86.00} dollars that the company stole from me. Neither my debit card provider helped me, nor did the XXXX company, which had never had this type of problem with them in more than XXXX years with the account. I want to claim my money and my claim should not be ignored because it is an abuse to steal someone's money like that out of nowhere.
Consumer complaint received 2023-09-27
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. (NY)

I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX Account # XXXX Balance : {$600.00} Date XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date XXXX XXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-29
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)

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 XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank closed my account for no apparent reason and is not willing to disclose the reason why. I spoke with them multiple times, but all I got was " we are not legally obligated to disclose reasons why ''. I am still in shock and disbelief that this is happening. Not sending any notices or warnings prior to closing one 's account is simply bad business. I would appreciate if this could be investigated further, so that I at least know why they decided to take such a serious step. I have never heard of something like this happening and am in complete shock since this will put me in a disadvantageous position financially and impact my future significantly. If there is a way to find out what happened, I would greatly appreciate if someone could get back to me. This is just terrible. Thank you in advance!
Consumer complaint received 2020-12-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

We did a loan modification with Rocket Mortgage and we signed all the paperwork, notarized it, and made the first mortgage payment. Despite all of this, Rocket Mortgage continues to tell us that the loan did not update and we owe the amount not paid during the forbearance period. This is contrary to the CARES act. 

In our man conversations with Rocket Mortgage, we are told they are working on resolving this but they never do resolve and other departments at the company tell us we owe the money and are at forclosure risk. On one hand we are called with urgent calls saying we owe the back payments while we were in forbearance and then we're told that it should be ok but it takes 45 days for our records to update since they received the signed loan docs -which was back in XXXX. 

Furthermore, in our verbal correspondence, we have been repeatedly told different facts regarding this situation by Rocket Mortgage representatives and we have each of their names. We get the run around on the phone with no resolution.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Gregory Alexandrides, LLC (MD)

I received a letter stating my HOA was sent to this company for collections for the amount of {$1100.00}. I reached out to the company on XX/XX/XXXX asking if I could try and settle the debt that was written in the letter. The young lady let me know that I would need to email asking for the debt settlement. She also stated, that as long as I was in negotiation of settlement, they would not put a lien on my property. 

I received a letter XX/XX/XXXX stating the settlement was denied. I then sent another email on XX/XX/XXXX, asking for another settlement request. No response from company. I received a letter in the mail on XX/XX/XXXX, not only increasing the amount with no notice to {$1700.00} but also stating my property was now having a lien put on it for no payment. 

I contacted the company again, today, XX/XX/XXXX, asking why I have not received anything in writing letting me know my settlement was denied or that the amount has increased. They stated, they have not had a chance to send the letter yet. But they are moving forward with putting a lien on my property. How is this right, when I am in communication with the company requesting a settlement with no response. 

The gentlemen was very rude, nasty and disrepectful. He hung up on me when I asked for an explanation.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX  XX/XX/XXXX o XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-18
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)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

I can not get thru to a live person at Mr Cooper mortgage. 
I am being charged escrow/taxes and also show a negative escrow balance. This is new to show up on my statement. 
Took out loan in 2021 and never escrowed taxes or insurance. I can not reach a live person to fix this problem. 
Pmt has changed without notice and again have been unable to reach a live person to discuss. 

I always have paid on time with additional principal payments and never defaulted on insurance or taxes.