davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XX/XX/year>, I deposited a check via the USAA mobile app after receiving payment via certified mail for a lawsuit settlement. The amount of the check is in the XXXX figures, but I figured this wouldn't be an issue because I have a {$100000.00} limit on my daily deposit and I am a XXXX year member. On XXXX XX/XX/year>, I received a call from USAA stating that there was a " security concern '' regarding my account. The person I spoke with proceeded to grill me about the lawsuit, and what law firm I was working with, and then stated that they were going to completely block my account from purchases for the next ~24 hours. First of all, it is none of their business what law firm I was working with. You don't just get to grill me with questions regarding a lawsuit concerning HIPAA-protected information. To add insult to injury, now my account balance is showing - {$10000.00} in overdraft. If you could not make the funds available, then USAA should not have allowed me to use {$25000.00} the check in the first place, yet the mobile deposit process worked just fine. To put it simply, USAA doesn't get to simply make {$25000.00} available to me, of which I have confirmation, and then turn around and put my account in overdraft on a whim. To add insult to injury, the representative I spoke with put me on hold for extended periods of time when I do not have all day to deal with USAA 's ridiculous antics. I want my account put back in good standing.
Consumer complaint received 2023-06-27
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. (NC)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-27
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. (MI)

TransUnion requires consumers to establish an account for disputes, issues and feedback. TransUnion will not accept my last name XXXX XXXX to establish an account and provides the following message : Sorry, but we can only accept letters, apostrophes, and hyphens for your last name. Please re-enter. My last name does not have a hyphen and TransUnions system does not allow spaces. Consequently, I can not establish an account.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MO)

I recently updated my cell phone number and cell phone carrier. I have been attempting to update this information since May to no avail. I have called the company 4 times. I have confirmed my new number XXXX times. Each time I was told that I would be receiving a verification link to send proof of identity. Started this process XX/XX/XXXX. Had to escalate twice to finally get a link sent to me today XX/XX/XXXX. As of XX/XX/XXXX, I'm still locked out and have no way to settle my debt. I am told that verification will take another XXXX to 5 days. Once again I started this process XX/XX/XXXX. I was offered the option to settle the account over the phone, but I was also informed that I would not receive any information regarding the status of the account until the verification was settled. I would never advise a client to make a payment they can not verify. Without access to my account, I am also unable to stop automatic withdrawals from my bank account. In summation, I have no way to settle my debt, stop withdrawals, update my information, or close my account. 
Legal action is my next move. 
Resolution : Unlock my account so that I can pay my bill and close it. 
I will never use this service again.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am being run around. The Credit Bureaus all tell me to call the creditor " XXXX XX/XX/21 ''. While the creditor is saying I'm not in their system, they don't have any record of me and to dispute it with the Credit Bureaus thats reporting it and have it deleted from my credit report. I was also informed that there are discrepancies with that account that are inaccurate. I want this account deleted as it does not belong to me and the original creditor " XXXX XX/XX/21 '' had stopped reporting it to the credit bureaus as of XX/XX/21. I'm really not understanding why this is such a pain in the back to corrected. The Credit Bureaus has to fix this issue not me nor the original creditor. As they're the only one who has any information on this issue.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (IL)

Had a XXXX performed and never received the bills for service performed. Contacted provider about why we never received a bill. They had the wrong mailing address and sent the bills there. We were unaware that there were bills that needed to be paid until contacted by a collection agency.
Consumer complaint received 2021-11-24
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. (TX)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

I noticed multiple high dollar XXXX XXXX  purchases. All of them are {$490.00} and above. Some close to {$900.00}. I use XXXX XXXX for small purchases with splitting dinner with friend, concert tickets etc. I only ever log into my account to XXXX money. I dont pay close attention to my balance until XXXX day I realized it was very low. 

The dispute was placed on XX/XX/2023. The Fraud took place all throughout XXXX and most of XXXX. The total amount is {$8700.00}. 

I have reached out to XXXX XXXX ( very hard to speak with someone there ) they finally emailed me and said because that money was sent through XXXX it was untraceable. So someone was stealing money from my bank and funneling it through XXXX XXXX and I assume sending XXXX ( untraceable ) to themselves. 

I reached out to Wells Fargo and my claim was denied. I asked to escalate, but they said there is nothing I can do. They wont even let me open up another dispute. 

They asked me when not all the XXXX XXXX transactions were Fraud. And I admitted to using it to pay and receive money from friends. The person committing the fraud used large transactions. {$490.00} being the smallest. Those were the ones changes to XXXX and sent to who knows?. 

Please please help. I had rent due on XX/XX/XXXX. My birthday is XX/XX/XXXX and instead of going to dinner with friend XXXX embarrassed to leave the house with {$60.00} to my name. 

Let me know what more information I can provide. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.
Consumer complaint received 2023-06-27
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. (TX)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX Summer XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX Revels ; XXXX XXXX ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Consumer complaint received 2023-06-27
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-02-27
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. (MD)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : 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 XXXXXXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I have disputed this debt with all  XXXX  credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was  XXXX  monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (MO)

I received an advance from Albert.com on XX/XX/XXXX. The terms of their advances are they must be repaid 10 days later, making my repayment date XX/XX/XXXX. Instead of taking the payment on XX/XX/XXXX, the company withdrew money from my account on XX/XX/XXXX with no advance notice or consent from me. This left me with only XXXX cents in my account. This means I have no money to pay for groceries or gas for my car until I get paid again on XX/XX/XXXX. So for XXXX full days I will have no money to feed myself and my son and will have to find other means to survive until then. I contacted the company for a refund of this money that should not have been taken yet and they refused any possible solution I offer. They will only reply with scripted responses and offer XXXX solutions.
Consumer complaint received 2019-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lyons, Doughty & Veldhuis, PC (MD)

Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (FL)

Dear First Progress Card and Synovus Bank, I hope this ( CFPB ) complaint finds you well. I am writing to inform you that as of XXXX XXXX XXXX, legal actions have been initiated against First Progress Card and Synovus Bank. These actions are currently active with the XXXX XXXX XXXX. 

Attached to this CFPB complaint, you will find the necessary documentation and information pertaining to the ongoing legal proceedings. It is important that you review the attached documents carefully to understand the nature and extent of the legal actions being pursued. 

Please be advised that failure to respond or take appropriate action regarding this matter may have serious consequences for your organization. I urge you to give this legal action the attention it deserves and take the necessary steps to address the concerns raised. 

If you require any further information or have any questions regarding the ongoing legal actions, please do not hesitate to contact me at the provided contact details. I expect your full cooperation in resolving this matter in a fair and timely manner. 

Thank you for your immediate attention to this notice. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX. 

All Rights Reserved.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This rude " company " ( and I use that description lightly ) PORTFOLIO RECOVERY keeps harassing me. They are reporting on my credit report saying I had a credit card with XXXX XXXX. I 've never had an account with XXXX XXXX. Back in 2004 my purse was stolen and I 've had to watch my credit report like a hawk. They are also re-aging the account which is also AGAINSTTHE LAW. FURTHERMORE, PORTFOLIO RECOVERY CANT AND WO N'T FURNISH PROOF WITH SIGNATURES. THEREFORE, PORTFOLIO RECOVERY SHOULD CEASE AND DESIST WITH FURTHER CONTACTING ME, DELETE THIS FROM MY CREDIT REPORT AND AGREE TO NOT RESELL THE DEBT OR LEGAL ACTION AGAINST PORTFOLIO RECOVERY WILL BE SOUGHT OUT! 

THIS ISSUE NEEDS TO BE RESOLVED AND REMOVED WITHIN 15 DAYS!