davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

In XXXX of XXXX I initiated a Fraud Alert with the 3 credit reporting agencies, due to concerns I had about suspicious activity. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that a hard inquiry had been made by USAA on my credit. I called USAA, provided my SS number, and after being transferred 3 times was told by someone there they would take care of it. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that I had a new account with USAA Bank. I called USAA bank, provided my SS number, and was told that this was a credit card. I was told that because of my previous call, the account was " restricted ''. I was told that I would need to call back during working hours to report that it was a fraudulent account. 
On XX/XX/XXXX I called the number for USAA fraud ( the number I had been specifically told to call ) and waited on hold for 55 minutes. I was then told that without a USAA account number, I would have to be transferred to a different number. The person who answered there said that I would have to be transferred to a different number, where I received a recording stating that the wait time would be 50 minutes. I hung up at this time, as I could no longer stay on hold. I will either try again or send them a letter. 
My complaint is that USAA opened a new credit card in my name despite the fact that I had a fraud alert on my account. They opened the account despite the fact that I had called and specifically told them that I had not initiated a request for a card. They then made it unreasonably difficult for me to speak with anyone to remedy the situation. They provide no option to address this online. They are basically complicit in the identity theft business.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc. (VA)

1 ) Sued me on debt that is too old to be sued on, if it even exists. I have n't held a credit account since 2009 2 ) Sued me without properly notifying me of lawsuit, I have received no notices letters or correspondence or summons. 
3 ) Sued me where I did not live, apparently I have been sued in NJ, I live XXXX states away. 
4 ) Seized property, & yes they emptied my bank account to XXXX balance.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

On XX/XX/2021, XXXX charged my Discover credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, Discover failed to process the refund. The balance stayed on my discover account. I didnt receive any notice from Discover about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by Discover. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with Discover to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from Discover 2. The delay of refund from XXXX  failed to process in Discover and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!
Consumer complaint received 2022-05-16
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. (TX)

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated. Also the creditor name, phone number, addresses and names are all not matching on my credit report which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MD)

JP Morgan Chase Bank ( JPMCB ) has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the consumer reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. On XX/XX/XXXX I finally had enough of JPMCB. abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. JP Morgan Chase Bank sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violations I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They had 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice validated. And now they are in default.
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( XXXX, XXXX XXXX TransUnion ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXX..WFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am in disagreement with the information XXXX reported on XX/XX/XXXX to the credit bureaus ( XXXX, Experian XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( Equifax, XXXX XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX  o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Consumer complaint received 2023-10-23
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (TX)

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, Equifax, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 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.
Consumer complaint received 2024-02-20
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. (TX)

I am writing to bring to your attention a matter of urgent concern regarding fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, severely impacting my financial standing. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I took immediate action to dispute them through the appropriate channels outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the gravity of the situation and the potential consequences for my financial well-being, I urge you to expedite the investigation and removal of these fraudulent items from my credit report. Timely action is crucial to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the urgency of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and pursue legal recourse to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it demands. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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. (CA)

I sent a letter to remove items 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 any accounts or information 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-16
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. (TX)

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, XXXX, and TransUnion that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 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.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (UT)

they sent me an email staring in XXXX every XXXX u spend on gas you are supposed to get a XXXX once per month the email states once every month I spend my XXXX XXXX and I still don't have my credit on there yet this is reAlly ridiclous I tried to fight with this with Wells Fargo cooperate offices and no has any idea of whats going on with it and they are just making long time frames of how long it will take the email states once a month and they just making excuses on my 1st complaint XXXX XXXX XXXX closed out my case with the wrong information on an issue I wasn't even complaining about I am getting really upset and want my credits on there ASAP!!!!!
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (TX)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-06-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BMW Financial Services NA, LLC (TX)

I have written ALPHERA Financial Services twice regarding information being reported on my credit report by their company. The first letter was hand written. The second was typed to ensure Alphera would take my concerns more seriously. Each of the letters were sent thirty days a part. In Each request I asked that Alphera send me the legally required debt validation. They have REFUSED. When I received a reply back Alphera they told me that they would not be replying to my request and in one letter they even advised me not to reach back out to them. They have violated my rights and a number of laws. They have gone pass the legal required time to respond to my request, TWICE. i am demanding that they remove this unverifiable information from my credit report!! This company had thirty days to provided the requested information and they have failed to do so within sixty days.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XXXX I opened an online checking account with Truist. I then went into the branch to deposit {$15000.00} cash into my bank account. On XXXX my account was closed by truist with no notice or reason. I didnt find out until a week later when I tried making a payment from the account and it came back as insufficient funds. I went into the branch on XX/XX/XXXX and they informed me they had no idea why this horned but they showed my account had been blocked. They told me it would be fixed in 2-3 business days. On XX/XX/XXXX, I finally received a letter from Truist stating my account was closed and that they reserved the right to close account at their will. Today, XX/XX/XXXX I received an email from Truist saying I have a new account now opened and that it has a XXXX balance. I have no idea where my {$15000.00} is, no idea why my account was closed, they didnt fix my problem- they simply opened a new account in my name without my permission.