davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA is denying me access to my account. I have changed my phone number and disconnected the old one. They try to send a text to verify it is me when logging in. I have called several times and spoke to a representative. They will not accept my PIN, password, SSN, user id, email, pet 's name or any other safeguard other than texting. They directed me to go on the website and verify myself by sending a picture of my driver 's license ( front and back ) which I have done. After completing it the message reads that they ( USAA ) will contact me within 1 to 5 business days. No one has contacted me. Probably because they are trying to reach me on my old phone number. When I called back, they said it should have asked me for a new phone number during the verification process. It does not ask for a new phone number or any other information. I have no way to access my account with this financial institution. They will not elevate the call to a supervisor or manager because I am not verified. It is incomprehensible to me how a company could operate in such a reckless manner and not resolve this issue.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

This issue is with cash app ... I gave a lady a ride to work last Friday and I had my phone in my truck which i wasn't using because I bought a new phone that day and ported my number to the new phone..the young lady I gave the ride named XXXX XXXX XXXX who's currently in jail for this stole my phone and cashed app herself {$250.00} I immediately reply to her thru cash app several times to send back my money she stole after threatening her with the police she sent back {$99.00} of my own money and disconnected her number she called me on to ask for the ride ... I called the XXXX XXXX police and reported and pressed charges ... cash says after reviewing what I said n what they can obviously see on cash app records they say I authorized to be robbed and money stolen and refuses to refund my money back... cash app supports fraud and pretty much there attitude is better luck next time ok r be more careful ... they say money is FDIC insured but I'm a victim and now a slap in the face from.cash app..I want my money back cash app needs to be investigated I just want my money back there's a police report only person that doesn't believe this is fraud is cash app bevause they support fraud ... my cash tag is $ XXXX please help thanks
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-01-04
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. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-01
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. (MA)

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 2023-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.JEFFERSON CAPITAL SYSTEM
Consumer complaint received 2022-11-25
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. (WY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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
Consumer complaint received 2022-11-25
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-21
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. (TX)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A. (GA)

My name is XXXX XXXX and I am an XXXX XXXX XXXX senior citizen. I am a XXXX XXXX XXXX. I recently went to purchase a automobile for my granddaughter at XXXX XXXX in XXXX XXXX, GA. I was completely misguided and it was a deliberate betrayal of trust. They never asked to see any proof of income or anything but pushed the loan through giving me an interest rate of 7 percent and a monthly car note of {$490.00}. They inflated the cost of a XXXX XXXX XXXX to {$33000.00}. I can not afford this! I am in the early stages of XXXX and I really did not have a full understanding of what I was signing. I feel that they took advantage of my vulnerability. I am on a fixed income and incapable of paying this loan therefore I am returning this car back to the dealership on XX/XX/XXXX and I do not want this on my credit report or any present or future ties to this purchase. I am requesting that the dealership purchase this loan from the lien holder which will release me from the fraudulent deal.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (NJ)

I have requested numerous times for Selene Finance LP to show me proof that I signed these certified with return receipt foreclosure sale date letters. They have not been able to show me proof. 

I am attaching for the record the tracking numbers to those certified letters they stated I received. As you will see the USPS tracking website which is a Branch of the US Government never sent those letters to me. 

I want all of this illegal activity to stop!! They have stated to me we are still foreclosing on your house and that is our stance. They are breaking the law in the state of TN.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

" You sent XXXX XXXX via XXXX network To : XXXX " However it's been over XXXX hours and on https : XXXX or any other blockchain for this address " XXXX " it does not show that any amount of this such has been deposited to this address on XX/XX/2023. My account was also frozen/ blocked and I am unable to login to my account to view the pending transaction " If it even is pending, I am not sure at this point since they blocked my account ". I have also tried to re-verify with my passport and driver ID of XXXX / XXXX to unblock my account and they are denying me
Consumer complaint received 2020-05-14
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. (FL)

To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.
Consumer complaint received 2021-03-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I sent a letter to the 3 credit bureaus regarding my Dept Ed/Nelnet account, I didn't recognize this account from Dept of Ed/nelnet and requested they remove it, this shows as a closed account on my report. Instead, they dinged my credit report for the month of XXXX and XX/XX/2021. I later realized I had paid these accounts off and do not owe anything. 
I want this fixed on my credit report because this dropped my scores by 54 points by reporting them negative to the bureaus. Can you please help me resolve this. I don't understand how they can ding me for a closed account.
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I submitted a loan application through USAA 's website. USAA pulled my credit, then asked for supporting financial documents. IS it a standard practice to pull credit BEFORE having identifying documents and financial documents on file? 

Now my credit score has taken a hit. 

Can't get them on the phone since their automated system keeps transferring me to the wrong department.
Consumer complaint received 2023-06-21
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. (MI)

XXXX, XXXX, and Transunion are still reporting XXXX XXXX XXXX without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

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 date of receipt. 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 Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Consumer complaint received 2022-12-09
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)

Both Transunion and XXXX have claimed that XXXX XXXX XXXX has provided them with accurate information with regards to their reporting. XXXX, however, came to a different resolution. 

Im asking Transunion and XXXX to provide a copy of what XXXX statements they have provided to infer such resolutions. I've attached XXXX reporting on the matter. This is a third time ive address both companies.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

Jefferson capital systems claims that I owe them {$350.00} from XXXX. I have never had XXXX  so Im not sure what they are charging for. 
I want proof that I have/had a contract with XXXX because I dont recall.
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (NM)

On XX/XX/2021 at XXXX, I signed a contract to build a Sunroom to my home and was told that payments would not start until the project was completed. The project was never started and I received numerous calls from the finance company regarding late payments. I contacted the finance company and was told they did not finance my kind of finance plan. I contacted the Company and was told that unfortunately I placed on the wrong payment plan due to policy changes that were made the first part of the year. I was told there were other plans that I could choose however, I would have to refinance and set up a second plan which would require a higher rate of interest and payments. I requested the account to be closed and was told I would have to pay a cancellation fee of {$9000.00}. This amount is now showing up on my credit report. This has been going on since XXXX of XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/23 I was charged a {$36.00} overdraft fee by my bank ; Truist. My account balance was low, and I was told it was a recurring XXXX charge of {$16.00} that caused the overdraft. 

I was fully under the impression that my account could not be charged an overdraft fee as I was opted out of all overdraft programs. The language on the app states, " Without these options, transactions exceeding your balance will typically be declined. But, you won't be charged a fee for declined transactions. '' This was not the first time this happened, and a previous overdraft fee from XX/XX/23 was fully refunded after I called to dispute it. I was made to understand that the overdraft fee was in error. However it was regarded in their system as a " courtesy '' refund. 

I asked three different individuals to show me the policy that states that recurring charges are subject to overdraft fees and none of them were able to produce proof of the policy. I was told that they could not refund the fee because I was only allowed one " courtesy '' refund per 24 month period. I insisted that this was not a courtesy, but rather an unauthorized fee and still no one was willing to reverse the fee.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX05B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.