davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I'm a one year member of USAA Federal Savings Bank, which I was able to join slightly after the closure of XXXX XXXX XXXX XXXX. 

During the time of XX/XX/2019, I was the victim of a phishing attempt from an account user on XXXX.who had used XXXX XXXX to set-up a fake check in the amount of {$1000.00}. 

However, I did not know this was a fake check ... because the scammer had used XXXX XXXX to set-up the check. The only way I knew, was when my checking account had been put on a temporary freeze, because of this. 

Apparently, this resulted in a restriction for 6+ months. As of XX/XX/XXXX,  my account had been in mostly good standing, so they partially removed the account 's restriction regarding my depositing abilities and limitations of how much was acceptable to deposit. 

They have not yet, found a solution to my complaint ... and in partial ways passed it off as fraud. According to the Depositing Agreement, which is somewhat flunky in these sorts of situations, Members are responsible for incoming funds and verification that they are legitimate. 

But, I have an additional complaint. 

During the following month, I had discovered that I was a victim of a scam through a contract which had been breached for music management services. Although these two " recipients '' were completely at fault, USAA had retracted any amounts related the transactions which were in question after disputing with the vendor. 

Within this complaint, I have documentation which shows exactly what happened. USAA prior to the dispute process had asked me to show them PDFs of the police reports verifying my claims. I did so by initiating an IC3 report of CyberCrime of each incident with the Federal Bureau of Investigation of The United States of America. 

Not only was nothing done to punish these criminals, but my reports became non-significant ... as again, I was restricted for over 6 months, trying to restore this account.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and  yard sustained minor damage, but enough to need money to fix. XXXX XXXX sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from XXXX XXXX   asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted XXXX XXXX and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with transunion. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from XXXX XXXX '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am a victim of identity theft and data breach through XXXX. I sent in a letter in XXXX to update the information, but I have yet to have my address updated to the correct address. Please see attached.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I got my latest credit report and I noticed an inquiry that doesn't belong to me, this inquiry came from light stream loans, we see that the date on it was late XX/XX/2024, but we never applied for any loan, i would like this removed since it doesn't belong to me.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I have been with Wells Fargo for over 20 years. Although I have all procedures in place to Not have any free deducted they are still being deducted every month and or billed to me. 

I have 5 different account all which have in place not to get charged fees when in fact they do.
Consumer complaint received 2019-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.
Consumer complaint received 2019-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (FL)

I bought a car from XXXX XXXX XXXX in XX/XX/2017. I wanted to buy a XXXX XXXX but was forced to buy a more expensive car so their salesman could receive a better commission with no consideration of my needs. I bought a XXXX XXXX XXXX which was too expensive for me but I needed a better car. 

It was financed by TD Bank and I struggled to make the payments each month. In XX/XX/2017 I moved to a different part of the state. In XX/XX/2017 Hurricane Irma hit  Florida and because I could not afford to buy a generator the power went out and stayed off for 10 days. 

I lost all my food in my refrigerator and had to replace it. I filed a claim through FEMA but was told they do not replace food. 

I was not able to work and my HOA for this house does not allow home businesses, even selling online is not allowed. 

I attempted to refinance my XXXX but was unable to do so. In XX/XX/2017 TD Bank repossed my XXXX and auctioned it off. But I received a letter that I still owed over ten thousand dollars on a car I no longer have.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo charged illegal fees at closing on things that never happened, as to foreclosure laws in Illinois and lied about fees and attorney fees. Because I was unable to receive a loan modification, I was forced to sell our primary residence. I have included some closing documents With erroneous fees with no apparent reason for them, as the house never entered foreclosure status with Illinois courts. 
I never received any summons which was included in their fees at closing was never contacted by any attorney. 
There is a line item for {$3700.00} for fees with no explanation. Also they charged {$2000.00} for lawyer fees with was over stated as lawyer only charged {$860.00}. Total fees were {$5700.00} for no apparent reason as the house was sold before any foreclosure action was taken.
Consumer complaint received 2023-05-24
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-02-19
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. (FL)

LVNV Funding LLC, XXXX XXXX XXXX, XXXX made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the OC 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90.This includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness.

They have made threats with letters, electronic communication about information which is false I did NOT consent to which a violation within USPIS ( mail fraud ) and The Privacy Act of 1974.

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusation. LVNV Funding LLC, XXXX XXXX XXXX, XXXX and other affiliates they hired committed identity theft against me need to close their file immediately and remove their information from my credit report as having it on there is both collection activity which violates federal law.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equfax want allow my credit report to creditors.I have been calling 3 months asking why the creditors cant view my Equifax file..I have been told by on representatives that my file is off line.and that why they can not view.I been told I would have the issue correct and call me... .I have been denied my credit report and accounts are missing on my file.Im like 10 days from filing a personal suit...
Consumer complaint received 2023-01-25
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: JPMORGAN CHASE & CO. (MN)

I disputed one credit card transaction two times with Chase. Chase considered that transaction valid. I feel that it should be not right, as I've never got service from that agent//merchant to whom I paid. In addition this service was paid by two credit cards, one was Chase, second one was XXXX XXXX XXXX XXXX XXXX XXXX considered that transaction as a not valid. The transaction was made at Chase XXXX with XXXX XXXX  XXXX, I but fly tickets via the phone, I paid {$610.00}. When I came to airport next day, I was told by airline workers that my tickets were canceled and money were issued to refund to the agent. I contacted the agent, he told me that they will refund my money back, and they never did. The agent stopped answering my text massages, and when I call they don't answer or he says that they need to check it out and never call back. When I disputed transaction second time I attached evidences as copy of text massages with the agent and screen shot from airlines website which prove that I have never got service, that money was refunded to the agent, and that the agent promised me to return my money and never did. Chase made there decision based on contacting merchant and that transaction is valid because service was available for me or I received service. When I called Chase after that, they told me that they made there decision because the agent provided them the policy that money for service is not refundable. I got fist letter from Chase on XX/XX/XXXX, second letter on XX/XX/XXXX. Please, contact me if you need more information, I have letters from the bank and I have evidences that I have never got service from that merchant.
Consumer complaint received 2023-07-23
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the Information is inaccurate.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX - I begin XXXX transfers ( {$100.00} & {$2500.00} ) from my Wells Fargo savings account to my new XXXX XXXX savings account. 
XX/XX/XXXX - I close all Wells Fargo accounts. 
XX/XX/XXXX - XXXX XXXX reverses the funds because they can not accept the transfers from a closed account. 

I can still see transaction history in my Wells Fargo savings account because it is within XXXX of account closure. The history of the transaction was present at one point but it is no longer there, a representative on the phone stated, " the transaction could have fell off because it wasn't completed ''. Wells Fargo states they can not issue a refund/cashier 's check because they can't see the money. This is also why they can't find an ACH/trace ID number. 

On XXXX XXXX 's transaction history it shows my account receiving the transfer from said Wells Fargo account and reversing it as well.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023, I applied for a new credit card based on the following welcome offer : {$200.00} Rewards 1.5 % cash back Intro APR Purchases : 0 % intro on purchases for 15 months Balance Transfers : 0 % intro on balance transfers for 15 months Regular APR 19.24 % - 29.24 % ( Variable ) CREDIT SCORE : Good/Excellent ( XXXX ) More specifically, I applied because I wanted the balance transfer of 0 % APR for 15 months ; however, the Capital One stated the following : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. Please note : If this is a new account, offers may appear after the account is at least 11 days old.

Again, I applied for the credit card based on the offer of balance transfer of 0 % APR for 15 months which is now not being offered to me which is deceptive, unfair and abusive. Now my credit score will be affected due to applying for a offer that was deceptive.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (FL)

Fraudulent inquiries on my credit report that I 'm not aware of reported by creditor and the credit bureau. I sent a police report several times, along with other documents so that American Express XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within XXXX days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.