davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE
Consumer complaint received 2024-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA Federal Savings Bank, an indirectly wholly owned subsidiary of USAA, is a federally chartered savings association established to provide personal retail banking services. Chartered in XXXX, FSB serves as USAA 's sole savings association, making USAA a grandfathered unitary savings and loan holding company. Consequently, the activities of such holding companies are governed by 12 CFR Part 238, and they are required to maintain designated books and records as specified by the Board. Furthermore, both the savings and loan holding company and its non-depository affiliates are obligated to uphold accurate and comprehensive records of all business transactions. Regrettably, USAA FSB has failed to adhere to this obligation by supplying me with inaccurate and irrelevant account statements, specifically regarding my XX/XX/XXXX vehicle loan. Despite my persistent requests beginning around XX/XX/XXXX throughout XXXX, made via recorded phone calls and USPS-delivered mail, I have not received the requested account statements. It is imperative to note that no savings and loan holding company should engage in activities with the intention of evading laws or regulations applicable to the associated savings association. In this context, USAA FSB 's failure to maintain accurate records concerning my XX/XX/XXXX vehicle loan raises concerns not only for me but also potentially for the regulatory authorities overseeing the institution. The inability to access my account statements, crucial for reviewing payments made to FSB, is a significant issue. USAA FSB 's actions have caused considerable harm, leaving me unable to substantiate the amounts and timelines of payments made in good faith. This situation raises concerns about the accuracy and integrity of the records provided by FSB, not only to me but also to its regulatory overseers.
Consumer complaint received 2019-12-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Consumer complaint received 2024-03-19
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 already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (GA)

I received a debit/credit card refund from XXXX on a Nothlane Technologies LLC Master Card. Following the specific directions provided in order to activate the card, access information and begin using the card. The card account number from the front of the card is not recognized online or by phone. Without the system recognizing the account, I can't contact anyone. Online gives me an error message and the phone hangs up on me after telling me the account isn't recognized.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo was the worst financial institution I ever encountered in my life. For many years I made payments to my loan of XXXX, which I acquired in XXXX, and often only had {$15.00} of principle applied. I could not get any explanation from the bank and could not find out how my principle was being applied. It did not appear to follow a normal amortization table. This kept happening until XXXX when I got a HELOC and paid of the loan balance of {$31000.00}. From XXXX till XXXX I paid {$8100.00} in principle and {$48000.00} in interest. I never received any information from the bank explaining what had happened. I was always getting the run around when trying to contact them.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received +5 promotional offers for a credit card from Capital One Bank ( USA ), NA, in which they offerred a {$200.00} cash bonus if approved and, if I charged {$500.00} on the card within 3 months. My income is approximately $ XXXX per year with rent of approximately $ XXXX rent per month ; which is all they ask. Along with birthdate that indicates my age to be 68 years of age. My credit score is and has been generally above 800 for years. I was rejected based on income. I believe this was age discrimination and bait and switch advertising.
Consumer complaint received 2019-12-17
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. (CA)

Upon receipt of a complaint previously submitted to CFPB, the company in question re verifying the validity of a debt, the original creditor XXXX XXXX XXXX XXXX submitted two exhibits : one being the admission information sheet with incorrect SSN information, and the discharge summary with itemization of charges and transactions for four days of inpatient treatment. 
As previously explained, the two submitted exhibits show a social security number that does not belong to me, please see attached. They also show that patient is an OP, or outpatient under the patient type that was in fact in care of the hospital for four days. 
The latter statement is in direct contradiction to the second exhibit which is the explanation of charges. Was this patient in the hospital or at an office visit? In this item, also attached, the service provider claims that the OP, outpatient, was in fact in their treatment, in the urgent Emergency Department for a period of four days from XX/XX/2018 to the discharge date of XX/XX/2018. 
One would hope that in four days, the attending ER DRs may have asked the admitting department to get accurate patient information for billing such as the right social security number and employment information and to properly demonstrate what the diagnosis is as to be able to fill out all the missing data in the admission sheet such as the chief complaint and other information. Four days would have also allowed for absolutes with regards to the identification of this patient in their care and to in fact have a very large file re patient care. 
Two pieces of paper produced at the request of CFPB show all the inconsistencies that fail to prove that this debt is valid and in fact is truthful, accurate and mine. For these reasons, I am submitting the continued request that this be removed from collections and from the credit bureaus.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian has placed several accounts on my consumer report without my consent and violated my rights. This has been a major problem and has caused me problems and distress. I have sent in certified letters and asked to provide information with any original documents bearing my signature. I contacted the creditor along with the credit bureau and asked for that information and nothing was sent to me.
Consumer complaint received 2022-12-18
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.
Consumer complaint received 2022-01-03
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. (CA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2019-12-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.
Consumer complaint received 2022-01-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY 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
Consumer complaint received 2021-12-13
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-01-03
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. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Consumer complaint received 2021-07-30
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: Bread Financial Holdings, Inc. (PA)

The XXXX XXXX XXXX  is reporting inaccurate information on COMENITYBANKXXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

My Husband & I both have separate credit card accounts with Barclays Bank. On XX/XX/21 I made a purchase in the amount of {$2300.00}. On XX/XX/21, My husband went into his bank 's bill pay page and mistakenly paid his own Barclays account {$2300.00} which should have been paid to my account. He contacted Barclays and asked them to move the payment to my account and at first, they told him they couldn't. He then contacted them a second time and asked if they could refund him back the entire payment of {$2300.00} or move the payment to my account. They said they need to do an investigation which would take 30 days. I contacted Barclays and they told me that I should have my husband call his bank and see if they could reverse the payment, and he contacted the bank, but they said it was too late. They also gave me this ridiculous excuse of needing 30 days to investigate. I am not sure why a bank needs 30 days to figure out how to move a payment made to the wrong account into the correct account when it's pretty clear the purchase amount and payment amounts are the same.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-01-03
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. (MA)

My initial correspondence was a debt validation request to TransUnion, LLC sent on XX/XX/2021 and received by TransUnion on XX/XX/2021. ( Exhibit A ) I respectfully requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. TransUnion, LLC failed to meet my requisition for the requested documentation. 

However, I did receive the Investigations Results ( Exhibit B ) stating that The disputed item was verified as accurate. TransUnion, LLC denied me my consumer right to privacy under 15 U.S. C 1681 ( b ) by discussing my non-public information with the creditors. Alleged creditors can not validate debt.

During the entire dispute process TransUnion, LLC continued to report inaccurate information, my name ( Exhibit C ) and the disputed accounts, a violation of 15 US Code 1681 [ A ] [ A.1 ] Credit reporting laws are in place to ensure that bureaus report only 100 % accurate credit information. It seems that Transunion, LLC does not adhere to credit reporting laws. My experience with TransUnion, LLC has provided evidence to support this. TransUnion, LLC failed horribly short.