davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Regarding USAA Federal Savings Bank I received a call from USAA ( representative sounded female ) on XXXX XXXX, XX/XX/2019 at XXXX PST. The rep told me that my checking account has been locked due to fraudulent activity. I asked her what the activity was and she stated that she did not have access to that information and that I would need to call back after XXXX during normal business hours to get more information and unlock it. 
I called back on Thursday morning XX/XX/2019. I was told by the rep that I needed to change my PIN. I did this. 
I logged in to my account to find that my account had been thoroughly wiped out and used as a platform for fraudulent deposits ( about $ 39k ) and subsequent purchases ( $ 50k in debits ). There were at least 50 transactions processed in the window of time when the bank was closed. I had nothing to do with any of these and immediately called USAA back. The reps claimed I called USAA to have funds release and that I claimed they were valid. I made no such calls and have sent my XXXX phone bill to prove the calls did not come from my number. Someone fabricated this or spoofed (? is that the term? ) my phone number. 
I have now come to realize that one of the biggest challenges in dealing with an issue at USAA is that there is no ability to communicate seamlessly about an issue with a single person or entity. Every communication begins brand new and as a " member '', I must completely start at the beginning every single time I call in. I can not reference a " case number '' or issue id. Furthermore, I have come to understand that the representative 's NOTES concerning the phone calls we have can be completely fabricated. I discovered this today in speaking to the 15th ( + or - a couple ) representative who informed me that he sees a note on my record from the evening of XX/XX/XXXX that reads " Member called in and claims all charges are valid ''. This is false. I was under the impression that calls were recorded but apparently this is not the case either. I am at the mercy of their " notes '' that can be written to their benefit or to hide something they have done. 

I have submitted complaints to USAA as well as logged a police report. If identified through the police detective work, I will press charges against the criminals who used a debit card that was linked to my checking account. 

I need consumer protection help because my money was mismanaged by the very bank I trusted to safeguard it. I believe there were internal forces at work here to enable such a well planned gutting of my account. 

Attached are the fraudulent transactions, my XXXX phone log, one written complaint uploaded to the USAA portal and the Police Report.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I received a notice that my account was over limit ( {$2200.00} ) in XXXX of XXXX. I paid the balance given to me as the entire amount owed ( {$2500.00} ) without any future charges, and closed my account. I printed out the receipt from their site. My credit report kept showing delinquencies and decreasing credit score, then a reiteration of the report that the account had been paid in full as of XXXX XXXX ; reported to the bureau on XXXX XXXX. XXXX and XXXX the account was reported paid ( XXXX ), XX/XX/XXXX and 27 reported account closed. Reports of delinquencies continued, and then on XXXX XXXX the account was charged off as bad debt by Synchrony for {$2800.00}, supported by an affidavit sworn by an employee of Synchrony in XX/XX/XXXX. Suddenly, I'm receiving mail from a law firm, XXXXXXXX XXXX XXXX XXXX in XXXX, MD stating that I was reported as owing {$2800.00} to Synchrony and I could dispute the report in writing on the letter they sent ( which I did ) and would receive copies of any correspondence in regards to the file. I attempted to call the firm and got no response either time I called. They sent a summons that was incomplete, then the filed in and registered summons was stuffed into my door frame about 2 months later, XX/XX/XXXX. 
The file name indicates Synchrony, and it uses the paid off and closed ( repeatedly reported ) then charged off account number. I'm not sure where the law firm fits in because the account was listed as charged off as bad debt by Synchrony, and the account was closed. It was not sent to collections, although they harassed me with daily calls from XXXX XXXX to after XXXX earlier in this mess. When I called Synchrony in XX/XX/XXXX to request information and was routed around and begged to not involve the XXXX  nor any other regulatory agencies, I also told them to stop harassing me. To their credit, they did stop the endless harassment in that manner, the monthly credit reports caused stress and negative financial impact. They comprised the entirety of my credit report, and dropped my credit score.
Consumer complaint received 2022-12-26
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. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX/XXXX/2022 ; XXXX  XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX/XXXX/2022 ; XXXX XX/XX//2022 ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : 12 XXXX XXXX XXXX  ) XXXX Balance : {$18000.00}
Consumer complaint received 2020-01-06
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: CITIBANK, N.A. (FL)

I have two purchases on my my account ( 1st XXXX {$280.00} and 16th XXXX {$240.00} ) I tried to contact the merchant and no response.So I started this dispute and citi credit card representative tell me I did not respond them so that the case closed .in the meantime, I did not get the letter, email or telephone call from Citi .
Consumer complaint received 2020-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NY)

On XX/XX/XXXX I borrowed {$500.00}. I call today to find out my pay off amount and was told it is {$510.00}. 

I have been making weekly payments of {$65.00} and to date I have paid {$840.00}. They are now expecting me to pay another 27 payments. Which means when I am done paying I will have paid {$2800.00} on a {$500.00} loan. 

Account number is XXXX.
Consumer complaint received 2022-12-26
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (FL)

There are inquiries i dont recognize on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 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 XX/XX/2023 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 2022-12-26
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

DENIED CREDIT DUE TO XXXX XXXX, XXXX, AND EXPERIAN CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : Exeter Finance LLCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX XXXX site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Here is the account mentioned above : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-26
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. (GA)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX Late payment XX/XX/22 30 days late will be removed. XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2022-12-26
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. (GA)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Late payment XX/XX/22 30 days late will be removed. XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00}
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PRA. Replied to a complaint and i will attach the letters sent and as you will see that was not my address, so no wonder I received and notification, PRA. Soft pulled my XXXX report XX/XX/XXXX so they should have seen my address, and that address is not mines .... so no communication was sent to therefore i did not get my time to refute the claims .... furthermore both accounts was deemed fraud by original creditor and PRA will not be able to give any documentation that proves i owned this account .... need these gone from my report asap I was never contacted My current address is listed on the government documentation and and utility
Consumer complaint received 2022-12-26
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2020-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

On or about XX/XX/19, XXXX XXXX XXXX appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from Santander showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

I received notice from Progressive management Systems that they were collecting a debt from XXXX XXXX XXXX XXXX I submitted in writing within 30 days that I dispute the debt and that I have explanation of benefits from XXXX XXXX that show the amount owed which is significantly less than the amount XXXX XXXX XXXX is showing. Also, XXXX XXXXXXXX XXXX never gave me credit for payments made on-site to the account. Under the FCRA the collection agency is not allowed to continue collecting this debt until they provide certain information, which they have not done. On XX/XX/ I received further communication from PMS attempted to collect the debt even though they never responded to my dispute which was timely filed under the law. This is in violation of the FCRA.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I closed my account back last year because Marcus would not transfer my money back to my original bank account. On XX/XX/2023, I called Marcus to change my address and send my 1099-int form to my corrected address. However, they still sent to my old address. On XXXX, I called again and the same thing happened to me again. I had to update my address again and so forth. The terrible thing is I called Marcus back in XXXX, XXXX, XXXX, respectively. They never updated my address and I would not be able to get my 1099 int at all. The same process happens, they say they had updated tmy address, then they mail to the old address again, I had to call to confirm, and update my address five times now, the mail still goes to the old address. There was no way to update my address and get my 1099.

I called in to unllock my closed account in order to assess my 1099 form. They will transfer me to a specialist, and confirm my phone number ( three phone numbers ) and the specialist said that they would not unlock my account. Then they transfer me to another person who can help me get my 1099. That person had to transfer me again to a specialist who can unlock my account. The specialist will not be able to unlock my account. In the end, the issue never resolves.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (PA)

I have had multiple accounts opened in in my name from three banks ( XX/XX/XXXX XXXX M & T Bank, ( XX/XX/XXXX XXXX XXXX XXXX, and ( XX/XX/XXXX ) XXXX XXXX. I have spoken with all three banks and they have assured me these accounts have been closed. No money has been lost.
Consumer complaint received 2023-05-14
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. (VA)

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.