davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX, 2021 My wife wrote check # XXXX from our USAA checking account to XXXX. 

XXXX XXXX, 2021 I received notice via e-mail from USAA that the check was returned due to " improper endorsement ''. We are on the road so did not get to see email until XXXX XXXX, 2021 XXXX XXXX, 2021 I spoke to XXXX, who transferred me to the XXXX XXXX XXXX. 
Talked to XXXX. She said the check would not go thru due to the improper endorsement and the size of the check. {$60000.00}. No real help was offered and her attitude was not helpful. 
I called USAA back and talked to a representative, did not write down her name, she suggested a cashers check an offered to wave the fee. With her help we issued cashers check XXXX for {$60000.00}. The check has in the memo " XXXX XXXX # XXXX '' Now the fun begins : On XXXX XXXX, 2021 We check or account. ( Have a screen shot ) XXXX XXXX # XXXX XXXX XXXX XXXX Ret # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Official Check Request XXXX my Bal. XXXX Cashers check was issued the evening of XXXX XXXX, 2021. 
But check # XXXX was cleared XXXX XXXX, 2021. 
No one can explain how with {$72000.00} in the account check # XXXX and the cashers check XXXX both were issued. 

XXXX XXXX, 2021 my financial guy receives the cashers check from USAA. I tell him to hold on to it until I can figure out what to do next. 

XXXX XXXX, 2021 I tried to get USAA to let me speak to a XXXX. Made a couple of requests. Was told someone would call be back before XXXX pm. Call never came. 

XXXX XXXX, 2021 Spoke to XXXX # XXXX she did create a CASE # XXXX. 
XXXX from USAA call me and give a long title. I asked if she was a USAA XXXX, she again gives me a long title. I asked again, simple question, are you a USAA manage? She hangs up. 

Finally I get to a call center XXXX. XXXX XXXX. He was sympathetic to my problem. He tried to help but was limited in what he could do. We decided the best course of action was to have my financial guy use XXXX to overnight the check back to USAA. XXXX gave me the correct banking address. 
I did express some concern returning the check fearing it might get " lost ''. 

Cashers check was sent via XXXX the evening of XXXX XXXX, 2021. 
( Have tracking number ) Check was signed for on XXXX XXXX, 2021 We call USAA every day. Probably a waste of time but trying to keep them focused on fixing this. 

XXXX XXXX, 2021 USAA XXXX XXXX XXXX member XXXX says the check is officially missing and we need to wait XXXX days to get our {$60000.00} back. 

I sent USAA, after some doing a .pdf showing the VOID'ed check with my USAA member number XXXX it. 

XXXX XXXX, 2021 Received e-mail that " check was found '' ( my term ). Funds will be in my account in XXXX days. 

XXXX XXXX, 2021 XXXX, will believe it when it happens. 
Decided to file this complaint. This should have never happened.
Consumer complaint received 2022-11-05
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. (GA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$210.00} ; 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 2021-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a follow up to complaint # XXXX that I filed earlier today. 

I reported 2 credit card transactions from XXXX XX/XX/2021 as fraudulent ( {$3000.00} & {$2000.00} ). But because of the nature of the transactions ( unauthorised 'ACH payment refunds ' ), Bank of America 's Existing Fraud Department informed me that they need to file a 'manual " report which could take days or weeks, then they'll investigate, which could take weeks or months, and I might not even get my money back. 

In the mean time, because the 2 fraudulent refunds equalled the amount of the legitimate {$5000.00} credit card payment I made 6 XX/XX/2021, Bank of America says that I still owe a minimum payment ( {$150.00} ) this month in order to keep my account from accruing late fees. Except I already paid my bill this month, and I have my XXXX bank statement to prove it. They're the ones who allowed XXXX giant fraudulent transactions to occur. They neglected to notify me of suspicious activity, even though I've never before authorised similar transactions on my account. And they are now attempting to extort me into paying an extra {$150.00} this month to rectify a problem that they created. 

This is my primary business & travel card. I don't have the luxury of waiting around for months for a refund, and it's illogical that I should be held accountable for additional late fees or expenses that accrue while the fraud department investigates. 

I spent over 4 hours on the phone today being transferred continually between Customer Service & the Fraud department. Fraud says they can't investigate until the claim is processed & Customer Service says they can't do anything about the required minimum payment unless Fraud authorises it, except Fraud says they don't have control over payment authorisations. 

Bank of America needs to take responsibility for their incompetence & refund my money, and the person responsible for authorising the 'ACH payment refunds ' needs to fired.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (VA)

I am receiving credit card bill from Comenity Bank which was paid off. Comenity is charging me fees on a zero balance from a closed XXXX Credit Card with a Zero balance. I also tried to close account over the phone and a recording said there is a problem with closing my account and the recording told me to please hang up. Also, used their comenity on-line text for help and received email back that the message sent was not received. Sending me fee charges on paid off account and refusing to allow me to stop this nonsense is disheartening and how can this be allowed?
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2021-11-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

This is regarding the original complaint submitted to CFPB for XXXX and XXXX. I am providing additional evidence of deceitful business practices by US Bank. The bank responded to the complaint dated XX/XX/XXXX. It stated on the front cover incorrectly that " The state of FL is an electronic holding state. A paper title has been requested ; please allow up to 6 weeks for the request to be completed. '' I have contacted the Florida XXXX XXXX XXXX collector 's office, XXXX XXXX, with a money order of {$85.00} in order to obtain the title in XXXX of 2020. Please see the attached response of the Florida XXXX collector response, note a typo of date, it should be XX/XX/XXXX, not XX/XX/XXXX. US Bank 's response is contradictory to the response of the XXXX collector XXXX in Florida.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (CA)

on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.
Consumer complaint received 2021-11-20
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. (NY)

Dear : Consumer Financial Protection Bureau. 


I have been trying tirelessly to remove an old previous address which I no longer reside and have not been for a very long time. I am scared that my identity is lingering around to addresses that I no longer reside which can open up for me a possibility of identity theft with my information out there. I am currently still receiving correspondence from lenders to the address that I no longer reside and have access to. Experian would not remove this address and this opens up an opportunity for identity theft. However when calling Experian they are willing to put up a battle and not willing to comply with removing that address from my credit file as some lenders using that address which I no longer have connections or tied to any longer. 

I have tried to countless times to have Experian remove this information and no success. I was able to remove that address from XXXX however for Experian this isn't the case. Per the Fair Credit Reporting Act I have every legal right to dispute addresses that are inaccurate and does not reflect accurate and current reporting to my credit profile. I am asking for your help in providing a fair and transparent review on my credit file. 


Thank you.
Consumer complaint received 2024-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

The property was returned to owner and even though this collection agency purchased the debt I never signed a contract with this company to owe them anything and according to the state they dont have a license to collect in the state in which I reside
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MA)

I received a mail solicitation dated XX/XX/XXXX from Southwest Credit to settle a debt for {$1100.00} with XXXX XXXX. This is not my debt. My only business with XXXX XXXX XXXX service, which has been managed by monthly autopay for many years. A call placed XXXX to Southwest Credit confirmed that the address associated with this debt is in Texas -- I have lived at the same residence in Massachusetts for 20 years. A check of my credit report shows this debt with Southwest Credit and several false addresses listed between XXXX in Texas and Nebraska, which I disputed. 

I have received solicitations from other debt collectors and I've had a difficult time discerning if they are legitimate. I am reticent to provide PPI to a company that may not be operating legally. I'd like to clean my credit report without dealing with collection agencies that I have no business with. 

I've put a fraud alert on my credit report effective one year through XX/XX/XXXX.
Consumer complaint received 2021-11-20
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have submitted XXXX requests to have a negative report removed from my Chex system. Ive requested documents with my signature to validate the negative report and they keep sending me the bank statements. This is not sufficient evidence and does not have my signature on it. The bank that reported the negative information knows it wasnt me bcoz it wasnt my card used. I was the one who reported it to them but held me responsible because their reasoning was a pin was used so it was authorized. I want solid evidence like surveillance photos. I requested for copies of the checks deposited with my signature on it. The bank nor Chex system could not provide this to me. This is my right to have solid evidence with my signature and they cant provide it because I never authorized these transactions.
Consumer complaint received 2021-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

XX/XX/XXXX - applied for XXXX with Navy Federal Credit Union. This could actually be characterized as a renewal as I had just come off a XXXX  year XXXX with NFCU. At the time ( XXXX ) they had ceased writing/renewing XXXX due to the pandemic economic fallout. When they restarted in XXXX, I reapplied. 

XX/XX/XXXX - Credit Denial due to " Insufficient Number of Credit References ''. 

I have a XXXX score of XXXX out of XXXX on XXXX and XXXX out of XXXX on XXXX. 
I have XXXX revolving credit card accounts all with an EXCEPTIONAL rating. 
I have no mortgage on the property ( paid off long ago ). 
I have no debt except the usual monthly expenses - paid-in-full each month. 
I submitted cash reserve figures in the low XXXX digits. 
I had an impeccable XXXX  year record with the previous NFCU XXXX, and another before that. 

My only conclusion is their negative decision was based on my age. I'm XXXX. This stinks to high heaven of age-discrimination.
Consumer complaint received 2021-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

THE COMPANY, CREDIT COLLECTION SVCS, PURCHASE A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 
ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX 15 USC 1692 ( A ) ( XXXX ) THE TERM BUREAU MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION. XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. 

ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.

15 USC 1681 ( 3 ) ( E ) ( E ) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORTS 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 HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION.
Consumer complaint received 2021-11-20
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. (AL)

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 multiple requests to Equifax XXXX XXXX until now we are in the month of XX/XX/XXXX and still no response from them. That means EQUIFAX has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Remove these following accounts completely from my credit report : XXXX XXXX XXXX - XXXX Balance {$0.00} ; ALABAMA XXXX CO - XXXX Balance {$0.00} ; XXXX XXXX Bankruptcy - Reference number : XXXX Filed on XX/XX/XXXX 2019
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX {$780.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Business and Consumer Solutions. (MI)

Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. 
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. 

A credit card was opened by XXXXXXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXXXXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. 

XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company XXXXXXXX XXXX than sold this DEROGATORY account to a collections agency named FBCS. In which I had no acknowledgment of. 

The company FBCS informed me the account debt is now in their hands. FBCS wasted no time, and immediately started making threats calling my cellular phone after XXXX EST. The company took it as far as calling my job multiple times a day. Mentioning jail time by XX/XX/XXXX if I didnt agree to opt in a payment plan of 3 payments for {$130.00} dollars a month. 

After thinking I would lose my place of employment due to the FBCS threats, and calls I was scared for my life. I immediately was forced into giving the FBCS permission for a payment of {$130.00} dollars to be removed from a checking account. As I am already suffering from bad credit, due to multiple inaccuracies reporting. I was forced/ threaten with jail time, and bad credit this situation is unfair as XXXX XXXX FBCS has violated my rights constantly causing deformation of my character Im able to get approval for new lines of credit, and/employment, due to bad credit and the constant harassment. 

Without any acknowledgment XXXX XXXX FBCS is also reporting inaccurate account information, such as payment status, balance due, no balance should be showing due.There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA has denied my request for an {$80.00} adjustment due since I didn't identify within the 60 day period. I notified USAA as soon as I found out about the fraudulent check when my payee sent me a late notice and fees. I thought the bill had been paid. 

Dates : Check posted : XX/XX/XXXX Date identified : Approximately XX/XX/XXXX Date notified USAA : XX/XX/XXXX Additional Information : The USAA Bank check originally was sent through the USAA check payment service ( also see attached ) : Check Number XXXX Dated : XX/XX/XXXX To : XXXX XXXX XXXX Original Description CHECK # XXXX Posted Date XX/XX/XXXX Amount ( {$80.00} ) This check was intercepted and fraudulently endorsed and cashed by a XXXX XXXX at the XXXX XXXX XXXX, CA ( also see attached ). 

I contacted the USAA bank immediately on XX/XX/XXXX once the discrepancy was identified from the check image. The USAA Bank fraudulent check case number is XXXX.
Consumer complaint received 2021-11-20
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 PORTIFOLIO MORTGAGE (CT)

XXXX has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and XXXX has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!