davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2024, I spoke with three individuals. Two of them worked in the survivorship department, while the other was a manager who initially claimed that there were no profiles of XXXX XXXX in their financial institution. However, after I provided XXXX with proof of insurance through USSA with XXXX XXXX 's name on it, the USSA coverage was canceled. XXXX 's story then changed when it was revealed that XXXX XXXX 's checking and savings accounts had been deleted, and it was stated that proof of death certificate and affidavit needed to be uploaded. The affidavit was uploaded on XX/XX/2024.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (VA)

Sometime in XXXX I was sent a letter from my bank which is Citi, that theyll be closing my account but the account has not been closed BUT they keep receiving my direct deposits, so I want the account closed and for them to GIVE ME MONEY THAT REMAINING in my account. First I talked to a representative on the phone and hes telling me I have to wait 30-60 days for my money for XXXX know what reason, they dont want to give me a reason. So I went into the branch they CLERK WOULD NOT EXPLAIN TO ME WHY THEY WONT GOVE ME MY MONEY THAT WORKED FOR, I have bills to pay they cant just keep my money & I can wait 60 days that ridiculous.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc. (AR)

Company using a third party to collect medical debt. I requested a XXXX release form request with my signature that gives company authorization to collect on behalf of the original creditors and have yet to receive anything in the mail. This is a violation of my XXXX rights and collection needs to be removed.
Consumer complaint received 2022-12-26
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2019-02-12
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: Experian Information Solutions Inc. (NC)

I understand that the credit bureaus are supposed to complete investigations within 30 days of their request. I requested investigations into accounts reporting inaccurate information on XX/XX/XXXX, but the bureaus have not responded yet.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following inquiries do not belong to me. I did not authorize these inquiries XXXX XXXX  ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ).
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NE)

Consumer 's car insurance was cancelled due to sell of vehicle. Insurance was paid in full until car was sold. No need to continue paying insurance for a car consumer no longer owns. Consumer does not owe the debt a third party debt collector is attempting to collect. Under the Fair Debt collection Practices Act ( " FDCPA '' ) if consumer sends notification they do not wish to receive further written ( or telephone ) communication from a debt collector, the debt collector must cease contact immediately. Consumer is indigent and judgment proof as consumer 's sole income is Social Security Disability income which is protected income under the Social Security Administration ( SSA ) ; Social Security benefits ( of any kind ) are federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ) and shall not be transferable, levied, garnished or assignable at law.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (SC)

I received a letter from Conn 's regarding a 2+2 program in which they offered me to pay one payment and Conn 's would match the rest. I called in on XX/XX/19 and was offered three different payment options to get my account back on track. The one I  choice was to pay {$480.00} and the balance of {$380.00} would be cleared up by Conn 's and my account would be paid in full. So I paid the payment via my wife 's bank account and was told that the account would reflect within a few days as paid in full. When it did not reflect we called back and spoke to XXXX ID # XXXX in XXXX XXXX TX and was told that the offline department would have to go back in the back ends and update the information and I would see the update in 48 hours. I have called back once more and was still being told the same thing. I disputed it with the credit bureaus and they are reporting that I owe even more than what was initially told to me. I have been receiving harassing emails from their legal team regarding the account even after I paid what I was advised to pay. They have not held up to the end of their deal and I am exhausted with trying to get them to honor the agreement of paid in full.
Consumer complaint received 2020-01-06
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. (AL)

I have been on a regular ( not income based or reduced in any manner ) for a decade paying around {$400.00} per month. My principal balance is {$12000.00} higher than the original a balance. I just cant fathom how this is possible.
Consumer complaint received 2019-02-12
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. (NC)

I understand that the credit bureaus are supposed to complete investigations within 30 days of their request. I requested investigations into accounts reporting inaccurate information on XX/XX/XXXX, but the bureaus have not responded yet.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NJ)

In XXXX I contacted Lawyer XXXX XXXX XXXX for the service to keep my Vehicle it was a XXXX SUV. I paid her cash {$500.00} and she said I would send me documents via my email and I never received any document from XXXX XXXX XXXX XXXX, she filed numerous XXXX XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended. 
These Bankruptcy are impacting my Credit Score tremendously for the last 6 years. 

At this point the Vehicle has been removed from credit report as a repression but the XXXX XXXX  and XXXX XXXX Bankruptcy are still showing on my credit report. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report, I have contacted the Credit Agencies and supply the information and to no avail they are still not removed from my credit report.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; 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 XXXXXX/XX/XXXX.
Consumer complaint received 2018-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Capital One ( credit reporting company ) to promptly delete their 3 unauthorized inquiries ( dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that these 3 unauthorized inquiries are still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST***
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2024 I contacted WePay by JP Morgan as they withheld {$1700.00} that was to me via credit card by one of my recurring XXXXXXXX XXXX client. 

They told me the following : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024 Because of the proprietary nature of our review, we are unable to share more information regarding this decision. '' This week, I asked for an update as the funds have not been released ( early XX/XX/2024 ) even though the transaction is not being disputed and never has been. 

They have informed me, they would withhold the funds for another 4 months without guarantee of releasing them. 

This is purely fraud and theft carried out by a major banking company. This transaction was legal, normal and my client still works with me, I know for a fact there is no dispute. WePay just stole this XXXX and refuses to give out any information.
Consumer complaint received 2022-12-27
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. (TX)

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MA)

I have an American Express Serve pre-paid debit card. I use it for Direct Deposits and some online billing. I on occasion use an ATM. There has never been any issues with this account. On XX/XX/XXXX, I logged onto my mobile app and noticed that my account balance was very low and not accurate. There were 5 unauthorized ATM withdrawals totaling {$710.00} plus fees. I was in possession of my card and did not use my card that day. The App doesn't tell you the times of the transactions just the date and amount. I immediately called AMEX to report this. My account was closed and a new account # was issued. I was asked a number of questions by the representative at the call center. I was asked how someone could obtain my Pin number. They made me as if I was the thief and responsible for these transactions. How would I know how some thieves stole my credit card information. I was obviously very shaken and upset. To me that is a lot of money. I have never shared my information, account number, card or pin with anyone. I filed a dispute. My dispute was denied on XX/XX/XXXX stating that no error occurred and that the transactions were authorized. I called and disputed this again. I received another email on XX/XX/XXXX stating again that my dispute was denied. They would not be issuing me a credit to my account. I filed a police report and submitted all my documentation. I can not get any information on how they investigated and came to this decision. Bottom line is that in an email I am told the decision without any explanation. I would like to know why video surveillance was not obtained in their investigation. There are video cameras at ATM 's and XXXX stores. Attached are my time stamped documents documenting where I was at the times of the withdrawals. I am very disappointed in American Express for their negligence and the way I was treated as a customer. That was my own money in that account. I am a XXXX  mother working XXXX jobs. A month later I am still without my {$710.00}. To them they do not care how I have been violated. This is a very scary situation and American Express allows their customers to feel helpless and continues to allow fraud to be accepted.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I received an email on XX/XX/XXXX, from the financial institution Mr. Cooper saying that my home mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper and they provided me with a new Mr.Cooper Loan Number and a transfer effective date of XXXX XXXX. 

I made the online account set up with Mr. Cooper, and was surprised with the monthly payment as it was showing the regular payment of the principal of {$2000.00} plus an additional Escrow amount of {$660.00} totalizing {$2700.00}. 

As I never had escrow in this mortgage I called Mr. Cooper and talked to an Escrow Account Agent XXXX XXXX XXXX, who informed that the mortgage was transferred from XXXX  with Escrow. As I questioned that I never had escrow in this mortgage, she replied that it was because I have not paid the property insurance. I firmly stated that I keep my insurance up to date and had already paid the policy for the period from XX/XX/XXXX to XXXX, then she made a tri way call with Mr. Cooper Insurance specialist. 

I stated again to Mr. Cooper Insurance Specialist that my insurance was always kept current, and was not aware of any issue with XXXX, that I never received any communication from XXXX  regarding lack of insurance for the property. She requested the proof of insurance to me and the contact information of my Insurance Agent. While I gave her over the phone the insurance policy details, my Insurance Agent uploaded in Mr. Cooper system the insurance policies for the last 03 years ( XXXX, XXXX and XXXX ). 

I confirmed that the carrier informed XXXX about the policy renewal, and due to some internal issue they placed insurance on my loan without notifying me. They did not even bill me for the insurance they placed throughout all the time I was with them. The attached XXXX  statements show that right before they sold the servicing to Mr Cooper they must have done an audit and realized they had not been charging me. At that point they billed you the full amount in arrears and placed it as a monthly escrow which appears on the last monthly statement, they then sold the loan and washed their hands from the issue. XXXX could not do that. I have provided my proof of insurance and can prove I had my own paid insurance from the start of the loan. 

Mr Cooper should have done a proper due diligence analyzing the previous mortgage statements to verify the integrity of the information they received from XXXX. Mr Cooper needs to contact the prior servicer and figure out how to resolve this issue, but either way I shall not be liable. They need to figure it out between them and remove the full amount from my escrow. Since Mr. Cooper is the current servicer its up to them to make it right. I do not agree to have any type of escrow in my mortgage account.
Consumer complaint received 2020-01-06
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. (FL)

unauthorized inquiries. these need to be removed 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 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2019-12-27
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO VIOLENCE POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF XXXX, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF XXXX AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT
Consumer complaint received 2022-02-19
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-12-27
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)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.