davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, someone got into my Wayfair account, changed my password, and ordered some items. I got an email from Wayfair thanking me for my order on XX/XX/XXXX. I immediately called Wayfair and Citibank to report the fraudulent charges. All the efforts to resolve this issue over the past few months are outlined in a letter I sent to Wayfair Citibank Security Operations on XX/XX/XXXX which I have attached. The fraudulent charges have been removed, however, I was charged interest charges on them and continue to get late fees added. I never got any acknowledgment of this letter. Basically, they have finally removed the fraudulent charges, but continue to send me bills with interest and late charges incurred because of these charges. I have not had a legitimate charge from Wayfair since XXXX and that bill was fully paid. I have received phone calls, mailings and emails from Citibank trying to collect on these charges. Typically what happens is I get told to wait another billing cycle for the charges to clear and can't seem to get anyone to understand that these charges are all fees related to the fraudulent charges that need to be removed. On XX/XX/XXXX, I finally got transferred to an agent named XXXX that could clearly see that these charges should go away and she was able to remove the charges because it was a Saturday and she had that ability because the security folks don't work weekends. I was so hopeful, but when I got the XXXX bill, some charges were removed, but some weren't and another late fee was added! Called again on XX/XX/XXXX. After 4 transfers and 53 minutes on the phone, I spoke with a XXXX that again saw that the charges should not be on the card and she would " escalate '' the case. The XXXX bill comes with no changes and another late fee. Called again on XX/XX/XXXX. Get transferred to someone named XXXX who confirms my balance should be XXXX, that he gets XXXX of these calls a week about late fees and interest fees incurred on fraudulent charges that shouldn't be on bills, that he has a 95 % success rate on getting them removed by escalating them to the proper channels, and they should go away in 7-10 days. Well, its been 20 days and I am getting harrassed by Citibank through phone calls and emails to pay my bill. After at least a dozen phone calls, a drop in my credit score due to Citibank, and numerous promises that this will be resolved, I don't know what else to do. I have been told at least 3 times that my case would be escalated to the proper department to resolve this, but I can't see that that has happened. I even had one person from Citibank suggest I just pay the interest and late fees!
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (SC)

I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX XX/XX/2023 I tried to make a cash deposit of {$1500.00} to my USAA account at a Non- USAA ATM ( XXXX XXXX XXXXXXXX XXXX. The ATM took my money but the deposit didnt go through. I got a receipt the stated " We encounter a problem returning your cash Please contact your financial institution. '' I call USAA and file a claim that same day, USAA close out the claim the same day and said it a non-USAA ATM they can't help me please contact the ATM owner. I went to XXXX credit union and told them what happen and they said USAA need to start the investigation and contact XXXX so that they can send the money. I refile the claim on XXXX XX/XX/2023 and on XXXX XXXX USAA close the claim for the same reason Not USAA ATM so not our problem. 

I went back to XXXXXXXX XXXX XXXXXXXX and the teller there was very helpful even though I am not their member. They sat down with me and call USAA. USAA operator told them the same thing they told me " Not their ATM '' and pretty much hang up on them. WOW! Now I'm embarrass my own bank whom I bank with for over 20 year are not willing to help me but XXXX is doing what they can to help. 

I call USAA multiply time and the operator ask me the same question every time. They told me that they will leave a remark on my claim of what happen. Every time I call to get an update, it seem like no remark was left and I have tell them what happen over and over again. I am very frustrated of telling the same story numberest of time. I have given USAA the copy of the receipt and a copy of my police statement. 

Again I call USAA today XXXX XX/XX/2023, the USAA operator ask me the same question, I have to tell her the same story and she will leave the same remark. 

XXXX  see that there was an ATM error and {$1500.00} is unaccounted for on XXXX XX/XX/202XXXX XXXX  want to me give me the money back but the need USAA to start a claim on my behave to start an investigation. USAA can't even do that.
Consumer complaint received 2023-03-07
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : CHILD SUPPORT ENF AG/N XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF EDXXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I have sent multiple dispute letters to Experian in attempts to rectify incorrect account information that is reporting on all XXXX of my student loan accounts. I have sent a dispute letter dated on XX/XX/XXXX and XX/XX/XXXX ( with new relevant and verifying information ), requesting Experian to update my student loan account payment statuses ( XXXX student loans ) for the month of XX/XX/XXXX to current instead of a 90-120 days late status ( what is currently reporting on all XXXX student loan accounts ). I provided Experian with verifying and supporting information provided to me by XXXX XXXX XXXX illustrating that for the month of XX/XX/XXXX, I was granted a forbearance period from XX/XX/XXXX-XX/XX/XXXX, which makes my account NOT late and current with the terms set between myself and XXXX. Experian refuses to update my student loan accounts and they came back verified and no change. I requested a method of verification on XX/XX/XXXX via certified mail ( tracking number provided in attachment ) for my student loan accounts. According to the FCRA, Experian has 15 days to respond to my method of verification, in which they must provide with whom they verified the disputed account information. Experian did not provide this information in the required time, according to the law and is thus in violation of the law. Experian decided to treat my request for Method of Verification as a dispute when my request clearly asks for a method of verification for the above stated case number a couple of weeks prior. I believe this is a stall tactic to prolong the appropriate changes that need to be made to my credit report. I have attached my Method of verification ( which clearly states MOV and NOT DISPUTE ) letter that I sent to Experian. I have also attached the XXXX XXXX XXXX documentation for further verification that Experian is reporting incorrect payment information on my credit report and refuses to update my report with the correct information even when provided with supporting documentation. This should be sufficient documentation as the other credit reports were able to use the documentation to make the correct updates to my student loan accounts.
Consumer complaint received 2023-07-24
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. (GA)

Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX Bank in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX Bank agreed to correct the status on the credit XXXX account being reported to reflect the accurate " XXXX '' status. XXXX challenged the XXXX  XXXX XXXX  account ending in XXXX with Transunion and XXXX demanding that the account data that was furnished meet FCRA requirements. XXXX provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the XXXX XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. XXXX is now seeking legal action along with acceptable direction from a credit attorney.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

Upon reviewing my credit report, I have identified the unauthorized account that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized this account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

This is the specific account in question : AMERICAN EXPRESS XXXX
Consumer complaint received 2023-06-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PACIFIC WESTERN BANK (CA)

The loan for our properties is in default and the lender raised the interest rate to 18 % without proper notice in XXXX. 

The lender Civic Financial Services via rep XXXX XXXX indicated on XX/XX/XXXX that they would entertain a short sale and that the challenge was the amount of the XXXX loan. A owner occupied buyer was buying the property for $ XXXX which was less than the amount owed. The house appraised for XXXX XXXX on XX/XX/XXXX, XXXX XXXX that they are not able to get a short sale approved with the XXXX lender payoff being large. He indicated to our attorney that we would have to reduce the XXXX loan payoff to $ XXXX. After a couple days the XXXX lender agreed to reduce the payoff to $ XXXX. Subsequently on XX/XX/2023 XXXX indicated they would not approve the short sale with no reasons indicated. The XXXX lenders actions have put the buyer in a homeless position and also was a bad faith effort. We believe that the lender is trying to sell these loans to another lender in the middle of the transaction and is not acting in good faith to complete the transaction and mitigate their losses. All parties are ready to close. We have escalated this with Civic Financial services which is owned by Pacific Western Bank to no avail. We request immediate help to encourage the bank and its subsidiary to act in good faith to complete the short sale. Moreover the lender charged the past due interest on XXXX homes on just the XXXX home ( in addition to accelerating the interest rate without proper formal notice )
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report. I found my account reporting a 30 day late payment in XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didn't get to me.
Consumer complaint received 2023-03-07
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. (MI)

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 a 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 XXXX XXXX # XXXX
Consumer complaint received 2023-06-29
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: CBC Companies, Inc. (MN)

Attached is a letter from XXXX XXXX Notice of Data Breach informing me my personal information was compromised. The following account and Request Only You Can See currently showing and listed on my Innovis Consumer Report is the result of the data breach and identity theft : Total XXXX  : XXXX, Innovis Consumer Assistance, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I want the Consumer Statement of Opt Out immediately deleted and removed from my Innovis Consumer Report.
Consumer complaint received 2022-11-30
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. (OH)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

On XX/XX/, CCS COLLECTIONS opened a collection. 
{$180.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

XXXX XXXX
Consumer complaint received 2020-12-31
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. (LA)

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XXXX, Experian and XXXX  to remove these accounts but they have to respond.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (WI)

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. XXXX5 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.