davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have a checking account at USAA. They have returned payments when my statement balance has been over the amount requested. They keep two ledgers, one with an " available balance '' and one with a " statement balance '' and play games with the timing of the deposits and payments each day in order to hold funds XXXX deposits XXXX and maximize fees ( take payments out at the end of the day, not when presented but after all other debit card transactions have gone through ). 

For instance, on XXXX/XXXX/XXXX I transferred {$1600.00} from an account at XXXX to my USAA checking account. The bank increased my statement balance by the full {$1600.00} on XXXX/XXXX/XXXX but increased my " available balance '' by only {$500.00} and " held '' {$1100.00}. This technique caused me to have multiple payments returned and fees charged. I checked my XXXX account and XXXX released the funds from my account and withdrew them on XXXX/XXXX/XXXX. As of today my money has still not cleared as of this day. i was told the {$1100.00} would be released on the XXXX ( 8 days later! ) and when I saw a notification of such I assumed that was the last day ... not the actual day as other banks usually give a timeframe. 

When I called the bank, they told me that the " account history '' determines whose funds get held and whose do not and they are released in " waves. '' I believe that USAA is discriminating between account members on the amount of time it takes to receive their money. I also believe this discrimination is directed at lower socioeconomic individuals who will have a harder time making payments with longer " hold times '' and lower balances. I believe this is an unscrupulous banking practice affecting our nations hero 's and targeting veterans and service members who may not have financial acumen as USAA is branded as a " military '' bank. 

I further suspect these " held '' funds are most likely held in an interest bearing account, where USAA makes a profit on the additional days ( short term and overnight interest ) it holds the funds and also gets to charge more overdraft and NSF fees because the account holder 's " available '' balance is now lowered for a longer period of time. The fact that I was told that the hold times are longer for " certain account holders '' shows that this is a discriminatory practice and targets those with lower balances and who have harder times making payments. By doing this, USAA is discriminating against some of its customers and also making money off of veterans and service members in an unscrupulous and predatory manner.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.
Consumer complaint received 2017-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (NC)

I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 Experian - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2022-05-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select portfolio, XXXXXXXX XXXX, and their legal team are in a world of trouble. An investigation its on the way surrounding public corruption by the XXXX XXXX XXXX Florida ( DOJ ). On XX/XX/XXXX, my legal counsel filed motion for summary judgment against the bank. We argued in ur motion that the bank failed to pay the required intangible & stamps on the loan modification containing ( new money ) and therefore are barred by Fla. Stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ), from having any enforceability in any court room in this state. Select portfolio did the unthinkable and recorded the instrument illegally on XX/XX/XXXX. XXXX ( Recorder ) will not accept loan modification that are not notarized. XXXX requires the original document for filling. The instrument reveals it was not notarized therefore can not be original but a copy. You have engaged in corruption with the XXXX XXXX which warrants a CRIMINAL INVESTIGATION INTO YOUR ORGANIZATION BY THE DOJ. " No good deed goes unpunished '' don't ever forget that. Whom ever participated may face criminal indictments that includes your lawyer. 

Your lawyer should also know that they opened a can of worms. A mortgage fraud investigator has reveal to the DOJ and the Florida Department of Revenue that billions are owed in intangible & stamps on loan modifications containing ( new Money ) that were never recorded which means that states across the United States are losing millions since XXXX by these financial institutions. he just made a bid to the DOJ to pay a visit with regulators at your places of business and review loan medications since XXXX and forward. Among the list : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Select Portfolio and others. 

XXXX executives, I am speaking directly at you ... .and you should know that the mortgage fraud investigator who revealed the unlawful recording of the instrument in this case, is the same investigator that was involves in the case of XXXX XXXX XXXX XXXX XXXX XXXX which you lost to the XXXX XXXX court of appeals case no. XXXX. He is fully aware that you refiled the foreclosure action. He is going to reveal how you engaged in a forgery.
Consumer complaint received 2019-11-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERV Reports that I owe XXXX to their company due to a unpaid payday loan from 2016. In XXXX, I asked AD ASTRA RECOVERY SERV to validate the debt and provided my mailing address. In the paper work attached it just show loan amounts there is no signature nor ID attached to the document proving that this is my debt. AD ASTRA RECOVERY SERV is still asking my to pay this debt and its on all three of my credit reports.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.
Consumer complaint received 2022-05-25
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. (TX)

Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ). automatically labels complaints as duplicate without reading. Experian passess the buck to XXXX  without explanation.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

Contacted First point collection { XXXX } in spring of 2018, about them reporting on my credit file, stating that i owed {$100.00}, I told them that someone is using my information for medical bills. I have no idea of owing anything to XXXX. they refused to remove this from my credit report. I have gotten this off of my XXXX and XXXX report. 


I contacted XXXX XXXX XXXX in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXX blue ridge about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. 

there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen
Consumer complaint received 2022-05-25
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. (TX)

FTC Report Number XXXX XXXX XXXX XXXX  Case number XXXX I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. 

I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. 

I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 


Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution.
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

Trident Asset Management is reporting two collection accounts on my credit reports. Both of these accounts state that they are for a utility, in the amounts of {$420.00}, and {$310.00}. Trident lists the opening dates as well as first delinquency dates in XX/XX/XXXX. No mailing address was provided for Trident on any of my credit reports, which is issue number 1. How am I supposed to reach or correctly contact Trident with incomplete contact information? Issue number 2 is that I have not had a utility in my name for years and I most definitely have never had a Trident account. They do n't even list who the original creditor is or their contact information. Now onto my biggest issue with Trident, issue # 3. I have been fighting Trident for several years now about this account that I keep stating, does n't belong to me. Trident insists that I owe these debts and they keep changing the dates as to first opening, etc. to suit their needs. I have past credit reports that show different opening and delinquency dates on them. The last time I made contact with Trident was for debt validation back in XX/XX/XXXX in which they responded back with a letter stating again that I owed these balances, along with an account summary of the bills supposedly in question. I went ahead and contacted the original creditor on said summaries ( XXXX ) and gave them the account numbers listed. XXXX told me there were no such accounts in their system. No accounts listed under those account numbers, my name, or the addresses listed for me on these summaries. I even had XXXX transfer me to their recovery department to see if maybe one of these accounts had been transferred as a bad debt, and the result was the same. No such accounts were found. I then filed a complaint with the Better Business Bureau ( BBB ) against Trident and after months of back and forth, the complaint was closed with no agreement from either party. 

Fast forward again to today, in which I am filing this complaint with CFPB. Trident continues to report false information on my credit records and I do n't know how many times I have to tell them that these accounts are not mine! I stopped trying to fix this with Trident as I clearly was unsuccessful in all attempts at getting any resolution, but Trident keeps adjusting the time frames on my credit files, which I can no longer sit back and let it ruin my credit that I have worked so hard to keep on track. 

Another note ... The account summaries that Trident provided to me are dated XX/XX/XXXX and XX/XX/XXXX. How can I have opened an account in XX/XX/XXXX ( as stated on my credit reports ) if these bills which Trident says are mine, were opened years before?
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

I was given a {$100.00} XXXX XXXX XXXX XXXX XXXX purchased from XXXX in the XXXX, Ohio area. This card was loaded on XX/XX/XXXX. I registered the card online at XXXX on XX/XX/XXXX and learned that it had only a {$1.00} balance on it. I called the customer service number on the back of the prepaid gift card XXXX and they told me that this card was used prior to my registration of the card at two XXXX XXXX XXXX. One in XXXX XXXX, California and then at XXXX, California. One purchase was {$43.00} and other was {$55.00}, these total {$99.00}. The customer service said this happened due to a breech in XXXX 's systems where in these gift card information was stolen. However, the customer service said I had to fill out a " dispute form '' to get my {$99.00} back. I asked them shouldn't they fill out the " dispute form '' as they are the ones with all of the information noting that I am the one with the physical XXXX XXXX XXXX  XXXX. They said their requirement was that I complete the " dipute form ''. Further, their investigation might take up to 90 days and even if successful they would then mail me a replacement. I question why I should have to wait 90 plus days when the customer service people are well aware of this fraud and should be replacing my {$99.00} immediately?
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.
Consumer complaint received 2017-11-08
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. (PA)

On XX/X/17 I received an email from XXXX XXXX stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via TransUnion. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion Refuses to investigate Fraudulent Inquiries on my credit report dates of the inquiries XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 I spoke with a XXXX XXXX Supervisor And after I explain to him several times that according to the fair credit reporting act legally anything unverifiable or in accurate must be removed immediately he claims they cant Investigate a dispute for fraudulent inquiries