davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Two financial aid checks were sent to USAA electronically to the wrong account. First refund, totaling, {$75.00}, XX/XX/2023 and the second refund, XX/XX/2023 for the amount {$5100.00}. I inadvertently placed the wrong account number ( XXXX ) on my XXXX XXXX XXXX  refund account. Instead I used my members ID ( XXXX ). Myself and the senior cashier at XXXX XXXX have spoken with USAA numerous of times trying to reclaim the funds. XXXX XXXX, the senior cashier has also asked for USAA to return the funds back to them. USAA have requested an indemnity letter from the university, which they have but without the hold harmless agreement. The university is unable to provide the hold harmless agreement. However, they have provided both amounts, dates, tracing numbers for both transactions, and asked them to return the funds. 
I have attached the letter from the university, proof to show that I mistakenly placed the wrong account number on my student profile, the dates/amounts refunds were sent. Im asking for help to reclaim my funds. Im responsible for these student loans however I didnt receive. The correct account number ( XXXX ) Ive requested for them to transfer is now on file with the university. 

Thanks, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Good Day Sir or Madam I have requested several times that my name and address be updated on all 3 Credit Bureaus including Experian Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

JPMCB CARD ON Inquiry date XX/XX/2023 REQUESTED MY CREDIT PROFILE THAT I DID NOT AUTHORIZE I WAS SENT A 'PRE-APPROVAL '' FOR MY BUSINESS AND THE WEBSITE STATED THAT IT WOULD NOT CHECK MY CREDIT AT ALL AND IT HAS. I HAVE ZERO ACCOUNTS ASSOCIATED WITH THE INQUIRY AND WAS MISLEAD
Consumer complaint received 2023-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA XXXX XXXX XXXX XXXX, FL XXXX DEAR : BANK OF AMERICA This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement.

Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 


1. BANK OF AMERICAN Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
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: BARCLAYS BANK DELAWARE (DE)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-08-08
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. (FL)

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. 
XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX  Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} 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 that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MA)

I received an email from Indigo Mastercard from Concora Credit that I had applied for a credit card and I need to unfreeze my XXXX XXXX credit report. 

I did not apply for this credit card. I have tried to figure out how to contact concora credit but they only have a phone number listed for contact. Im a US merchant XXXX currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have limited internet connection and am unable to make a phone call to the credit card company.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention some incorrect information on my credit report. The details listed below are fraudulent, and I have no association with them. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

An account has been reported on my credit, it is a lease for an apartment. This account is NOT mine and I have reported this to the policy department and filed my FTC identity theft reportXXXX XXXX XXXX XXXX XXXX gave a lease to someone under my information, I am attaching my ID in which you can see I did not even get my permit to work and arrived to the XXXX until XX/XX/2022 how could I have signed a lease in XX/XX/2022 and have proof of income? Please remove this from my account
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested Navy Federal Credit Union/Navy Federal Financial Services to remove all accounts from reporting to third-party companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from Navy Federal Credit Union in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving Navy Federal Credit Union any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Consumer complaint received 2023-08-08
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. (VA)

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # 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 that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

On the month of XX/XX/2022, I left XXXX without any debt. In XXXX I received a bill that XXXX was about to pay me {$110.00} for over billing. I called the company because the bank account were they were supposed to deposit the money was closed. They did not refund the money. Then 3 months later I received bills for {$98.00} and I called XXXX to ask about it. They did not answer me why they were charging me neither the amount they were supposed to refund me. In XXXX I received a letter from XXXX a collection company and they stated that I could file a claim online and that after XXXX business days, they will give me an answer. They never answered. I called XXXX time before XX/XX/XXXX and nobody return my calls or answer. No I have a credit collection that I should never have it in my credit report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (GA)

I requested information from the creditor and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2024-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (TX)

Our mortgage payments should only include the loan and the escrow. Since I'm a XXXX XXXX XXXXXXXX veteran, I am exempt from property taxes, so only the homeowner 's insurance premium should be what's included in the escrow amount charged. Our escrow is {$380.00} per month, but as of XX/XX/2024 we are being charged an additional {$120.00} per month for a shortage. We have always paid our account on-time and there are no other costs associated with the loan. I spoke to the mortgage company and they told me it was part of our homeowner 's insurance premium increasing, but the escrow already includes the amount needed to pay for the insurance premium.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NH)

Account negligence and malfeasance. Incriminating TOS and ARbitration release. 

Counsel has sent two letterheads to Coinbase legal department, and since contacted Federal Beureau of Investigation, SEC, XXXX, and XXXX. 

Coinbas

e Arbitration Service / Legal Department has neglected to respond or take action. Will be following up with two Federally Secured departments to oversee contention from multiple consumers- negating Class and Mass action recourse. 

Coinbase has additionally determined that misinformation at CSR levels is appropriate to dissuade consumers from resolution. 

Coinbase is ultimately gatekeeping personal funds and personal information hostage behind verification processes, CSR misinformation, and TOS.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

After several calls and discussions, I was able to be placed on the save program. I received a letter XX/XX/year> saying I would be on the save program for 12 months at {$0.00} a month payments. On XX/XX/XXXX, I received another letter that I was moved to another payment plan for 12 months at {$180.00} a month payment. I did not request this change and there is no explanation as to why I was changed. 

Additionally, no one can explain the interest accruing on my account.
Consumer complaint received 2024-01-23
Product: Credit 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

I paid for service from XXXX XXXX in XXXXXXXX XXXX on my MACU credit card. 

They did not repair and caused damage to my house. 

I dipsuted the charge with Mountain America Credit Union in XXXX XXXX  who adked for photos, receipt and letters from plumber and the builder which I all provided in a timely matter. 

Then they reversed the charge. No reason given, no letter provided. Saying they could not get ahold of XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (FL)

Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$9700.00} strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. I started using the card more recently and was surprised to find out that my credit limit had been reduced without any prior notice. They have displayed similar actions in the past that I had to file a complaint for. Im just a consumer trying to build credit with a company that seems to be perfectly ok with destroying it as fast as they gave credit. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase that caused another credit inquiry. Keep in mind I have been making my payments every month. The payment isnt even 30 days past due but they sliced my credit limit in half. I totally didnt receive this notice so as a responsible Credit user I called to check on what was going on. I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, with me making payments every month with zero issues. I thought It was on auto pay but it wasnt. So it was I minor overlook of the payment due. I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00} or higher. I believe this is a fair and just resolution. Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Consumer complaint received 2023-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (GA)

On XX/XX/XXXX, I paid off all of my sallie mae ( " SM '' ) student loans online. The online portal showed that I owed {$0.00} on all of my student loans. 2 months go by, and I had not received any communications from SM indicating that I had any balances outstanding, until my mom got a something in the mail saying that I had past due loan amounts from SM. So after hearing about this, I logged onto my SM account and say that I had small balances due on three loans. I planned to call SM the following week to figure out what was wrong and did ( this was the beginning of XXXX ). They told me that it looks like I still owed money. I told them that I paid off everything and asked what the outstanding balance was. They told me ~ {$210.00}, which I knew was way to high compared to what I saw online initially. I tried to access my SM account online, and was locked out. I asked told the SM employee I was locked out and asked for access. They supposedly gave me access and told me it could take a few hours or even days to get into my account. So I did not worry about not having access to my account initially and asked them to submit a research case for my issue. Then, the calls started. I have been called multiple times a day by SM for the past 2 months, even with 3 different ongoing " research cases '' occuring ( not simultaneously ). Additionally, in almost all of my calls, I have requested that the SM employee let me know the breakdown between principal, interest, and fees that I owe ( because I dont have access to my account ). In every instance, no one has told me. Even now, after being locked out of my account until today ( XX/XX/XXXX ), I am still unable to see via the website ( that I now have access to ), the breakdown of my loans between principal, fees, and interest. I am a XXXX, I showed be able to pretty easily figure out what is going on with a loan balance. 

In all instances, I have spoken with a SM representative, they have looked at my file and agreed that a research case would probably fix the issue and have encouraged me to file it, however it has not. When I try to get an explanation as to what the research report found, i can never get a clear answer. In summary, my account balances showed {$0.00} after I paid off my student loans. I should be done with SM following that, not having SM calling me every day try to extract every other XXXX I have.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (GA)

Upon reviewing my credit report on XXXX, I notice that there was a medical bill that DOES NOT belong to me, but somehow made its to my report. I contacted the collection agency and they advise me it wasn't an issue, but its an issue for me and I need it gone my report. This medical bill belongs to a XXXX XXXX AND LIVES XXXX XXXX XXXX XXXX, XXXX  XXXX. I have NO relation this address nor name!!!
Consumer complaint received 2023-08-16
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Every time I use my debit card or make a payment it goes so long to go through and then it will seem like I have enough money in the account and then all the sudden it doesn't. I feel like they've been taking money out and I can't keep up with it because it goes so slow to go through