davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My password book was compromised. The result was identity theft and most of my funds were gone. USAA was hanging up on me when I was trying to figure out what happened to my money. Then USAA told me various things such as " talk to your wife ''. This created a whole separate issue. After that I was told other false information. The USAA application stopped working and when it finally was working there were additional security measures which indicate that the bank discovered that someone other than myself was moving my money around. There are no recognized devices on my account now, which is inaccurate because I only utilize my cell phone to access my account. The bank representative that I spoke with about this matter told me that I can request IP addresses linked to my account and that he was mailing me such form. However I never received anything so I called to follow up. this time I was told that no such form exists. USAA is not helping me locate my money. In fact, it seems like they are avoiding responsibility for the matter.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. 
Late Close : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! 


We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. 
Experian 2018. All rights reserved. 
Experian and the marks used herein are service marks or registered trademarks of Experian. 
Other product and company names mentioned herein may be the trademarks of their respective owners.

View Experian 's Privacy Policy
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services. Have my personal information. My social security number, address, phone and email. Without my consent. I dont have a contract with them nor do I have one with the original company XXXX XXXX  XXXX Its a business account. My company XXXX XXXX XXXX never signed an ink document with wex bank nor Lvnv funding. I asked for the contract bearing my name in ink for them to show 100 % accuracy or permissible purposes as FCRA says. Also its against the privacy act for them to have my personal information without my consent. They assured me that they dont have any nor have seen one but still have and hold my private/personal information. They said they had to request it. I asked they they remove my information after tell me they have no copy of contract and they still refuse to. I spoke directly XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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: Credence Resource Management, LLC (NY)

There were fraudulent accounts as well as an inquiry, XXXX wrong addresses and an incorrect name. 

ACCOUNTS 1. XXXX XXXX -DATE XX/XX/XXXX 2. CREDENCE RESOURCE MANA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX - DATE XX/XX/XXXX 4. XXXX XXXX - DATE XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : 1. XXXX XXXX XXXX XXXX, NY XXXX 2. XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT NAMES : 1. XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One credit card payment is usually due on the XXXX of the month. I made my payment to Capital one the morning of the XXXX but the statement said the payment was late and I was charged a {$40.00} late fee. I called and talked with XXXX and he advised that the fee could not be removed because the payment posted on the XXXX. I have included the statement and it shows that the fee was added on the XXXX. I like Capital one an I think that they are a good company. However, I am disputing the fee. 
I am requesting that XXXX correct the statement, remove the {$40.00} fee and also report to the credit bureaus the correct information that my payment was not late.,
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-13
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. (NY)

I sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (MI)

Affirm Inc has been making monthly unauthorized withdrawals from our business checking account. I contacted my financial company XXXX XXXX XXXX on XX/XX/XXXX to report this. The bank manager XXXX and I called Affirm Inc together at XXXX XXXX to try and resolve this problem. The customer care person said they could not find an account in my name, my wife 's name or the name of our business, so there was nothing he could do to help us. I asked if he could look up the charges with my checking account number and he said that he did not have access to that information. XXXX stated that the customer care fellow seemed uncooperative and that they have to have access to our financial information in order to make the ACH charges. 

The unauthorized Affirm Inc charges to date are as follows : XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} I called Affirm Inc asking to speak with a supervisor at .and was put on hold for 28:00 minutes and then was hung up on. I called again and finally got through to a supposed supervisor named XXXX. He told me that the only way I could get the money back was if XXXX XXXX XXXX was to do a charge back. I asked if he could give me his direct phone number so I could have my credit union call him to get authorization to do the charge back. He told me that he does not have a direct number, and that any customer care employee could authorize the charge back.? 

I feel as if all I am getting is the run around with this company. I checked for reviews of the company and all I found was one-star ratings, and XXXX other review that had the very same thing happen to them, unauthorized ACH charges to their checking account.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$570.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XXXX contacted coinbase wallet and I lost the money from my account. It was sent to an unauthorized address without my permission. They said that nothing could be done.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SLM CORPORATION (NC)

Sallie Mae failed to provide an explanation and documentation regarding the dispute decision. 
According to the Federal Trade Commission, the following applies : If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I am once again asking Sallie Mae to provide an explanation and validate the debt as the reported amount to the credit bureau is incorrect since I don't owe the two charges for {$640.00} and {$590.00}. 
Sallie Mae in their previous response to my complaint stated that the services were provided, I suggest that Sallie Mae reviews guidelines for Quality of goods and services as follows : Disputes about the quality of goods and services are not " billing errors, '' so the dispute procedure doesnt apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. 
To take advantage of this protection, you must have made the purchase ( it must be for more than {$50.00} ) in your home state or within 100 miles of your current billing address and make a good faith effort to resolve the dispute with the seller first. 
. 
Since my canine suffered thermal injuries after the spay XXXX the services were not provided as agreed and I already tried in a good faith to resolve the issue with the merchant as stated previously, Sallie Mae is responsible for reversing the charges. 
Sallie Mae 's Advocate XXXX XXXX ID XXXX XXXX stated that I must provide a decision from the XXXX XXXX XXXX to finalize the dispute. The letter will be provided once a decision is available in writing. I do not consider the dispute to be closed and Sallie Mae should accept liability for any damages as they failed to investigate and resolve the dispute. 
Sallie Mae restricted my account unlawfully after I disputed the two charges and then demanded that I pay one of the charges in full despite the fact that I applied for a card with 0 % introductory APR on Purchases and Balance Transfer for 15 months, provide them with the three months bank statement and a copy of my ID. They also rejected my dispute before receiving the supporting documents. Now Sallie Mae also violates terms and conditions regarding the {$200.00} welcome bonus, stating that I am not entitled to it. 
Please refer to the attachments also from previous complaints against Sallie Mae
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (SC)

I have contacted the consumer reporting agencies multiple times regarding the inaccurate information being furnished on my consumer report. CFPB Case Number : XXXX XXXX acct # XXXX is reporting as a derogatory remark. The dates in which the account states were last active and last reported is completely inaccurate. This account has been disputed based on the FCRA violation 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX has sent me some documents which does not bear my signature on it claiming that this account belongs to someone else and that I am a co signer. This is another violation of Title 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018, my debit card was in my wallet at work with me. However, XXXX transactions at a XXXX XXXX in a town XXXX minutes from me, for a total amount of slightly less than {$830.00} went through on my account. Obviously they were not me considering I was at work. I filed a fraud case with Chase Bank. I was given provisional credit that day ; however, XXXX weeks later the charges were reversed. I called in and asked for information on the reversal. They stated that because it was a pin based transaction on a chip card that they had to deny the claim. I requested that the claim be reopened and I submitted documentation from my boss that I was at work at the time of those transactions occurring along with a written statement that I did not conduct those transactions. They denied my claim for a second time following the reopen. I again called in and requested to speak to a XXXX. I got XXXX in their escalation team of which ended up being helpful. She reopened the case due to the fact that it was reported that I stated the XXXX transactions were correct. She submitted the " new '' information after listening to the initial phone call. Yet, it was still denied. They are asking me to reach out to XXXX XXXX to get information on who conducted the transaction and what it consisted of, despite the fact that, that is their job. It has been an entire month since this first occurred and I still do not have my money back and they are still refusing to help me in the slightest.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NJ)

I applied for a Truist credit card. It's called the enjoy cash. It has no annual fee and has a promotion of 12 months no interest ; however, immediately after getting the card I get charged an annual fee. I called and after complaining they refunded the annual fee. Then I made a purchase and since I have no interest decided not to pay it off completely, just the minimum required. When looking at the statement, to my surprise I notice an interest fee. This card has no interest for 12 months. Yet I'm being charged interest. Called and talked to multiple reps that confirmed to me I'm not supposed to be getting charged interest and that they would refund it. Weeks have gone by and they have not refund the interest fee. In fact, they have once again charged me interest fee. First time was for XXXX $ and now I got charged XXXX. I once again called and they said they would fix the issue and it's yet to be fixed.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

Accounts XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Collections, Inc. (SD)

I received a letter in the mail about an old debt and reached out to the company Express Collections to try and make payment arrangements and was told if I didnt pay a certain amount I would be sued and that whatever payments I made wouldnt matter if they werent the amount they wanted. Ive been receiving multiple harassing phone calls on my personal phone as well as at work. I dont have a lot of money and tried to explain this to them and offered as much as I could but it wasnt enough for them.
Consumer complaint received 2021-11-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX & TransUnion is unwilling to accept of investigate this claims online or thru mail.
Consumer complaint received 2021-11-19
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: AMERICAN HONDA FINANCE CORP (NY)

Dear Honda finance, I have been a loyal Honda client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that Honda failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why Honda has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I reached out to CMRE Financial Services on XX/XX/2021 with a debt validation letter for XXXX derogatory marks the company has on my credit report history and they have failed to respond. They have not removed the derogatory marks from my credit report despite being unable to validate the debt.