davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I, XXXX XXXX XXXX, do swear under the penalty of perjury all I will say here is true and correct. 
I am a victim of ID theft. I have been to the police and they caught the person who perpetrated the fraud acts named here. I opened a bank account at USAA, and have my indurances there also. My bank account was hijacked by a fraudster. He had my personal info, cloned my phone number, and illegally gained access to my bank account at USAA. He opened a few other bank accounts at XXXX, XXXX XXXX, XXXX, and others. He was able to get those accounts linked to my USAA account by adding the amounts of the micro-deposits into the USAA account. I could not see these added accounts because I never opened the transfer part of my USAA account. When the fraudster made the transfers out of my USAA account to the fraud external accounts, he got the monies out of the external accounts and this caused a negative balance in my USAA account. When I discovered this negative balance in XXXX of 2021, I called USAA and made them aware of what happened, in XXXX of 2021. I went to the police and told them what happened, they at first felt I had used an alias and it was myself who did these fraudulent acts. They caught the perpetrator and took his fingerprints, and gave him a bond thinking it was me using that alias as my SS # is active. The police took my fingerprints and compared mine with the caught perpetrator. My prints did not match his. I was cleared. USAA has the certified police report notarized, and they refuse to remove their wrongful reporting of these fraud acts from XXXX XXXX cra. I have complained dozens of times and the CEO office appoints new people to my case and each of the 4 people refuse to return calls to me. It is infuriating to be ignored like this and harmed by USAA refusing to obey the law and removing their illegal reporting from XXXX XXXX
Consumer complaint received 2020-06-08
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: Bread Financial Holdings, Inc. (NV)

On XX/XX/2020 a timeshare company opened up a credit card under Comenity Capital Bank for {$5900.00} to pay off the timeshare. There has been some discrepancy with the transaction during the selling process where in a promised service was not delivered. Although it was not mentioned on the contract signed, I have provided a sheet where the agent stated said service as well as an e-mail conversation. I file a dispute on XX/XX/2020 and received a response around XX/XX/2020 saying it was rejected. I filed another dispute on XX/XX/2020 and just confirmed today XX/XX/2020 and it has been rejected as well. I have provided enough proof that the transaction was deceiving and aggressive and yet the company refuses to dispute the charge. I have also informed them that a separate complaint has been filed against the Timeshare Company through the XXXX Government.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MD)

I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.
Consumer complaint received 2022-02-22
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (VA)

This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (PA)

I have done my due diligence to send a notice to ALLY FINANCIAL of violations to my consumer rights. I sent a notice certified mail, green return receipt to the registered agent which is XXXX XXXX XXXX. The notice was received on XX/XX/2022 ( Exhibit A ). In that notice ( Exhibit B and C ) it exclaims that my consumer rights have been violated pursuant to but not limited to the TRUTH IN LENDING ACT ( 15 usc 1601 ) ( 12 CFR 1026 ). Along with my claim, as a consumer I demanded ALLY FINANCIAL to cease all communication to third parties and not to report negative information to any credit reporting agencies. Today XX/XX/2022 I received a notification from the credit reporting agencies XXXX and XXXX of a negative report from ALLY FINANCIAL ( Exhibit D ). They have now willfully violated my demands as a federally protected consumer. I have also demanded documentation to verify that I in fact owe the alleged debt ( Exhibit B ). Knowing that I have been taken advantage of financially and emotionally and completely mislead has taken a toll on my mental health, my physical health, my relationship with my partner and my family. ALLY FINANCIAL has also restricted my account to where I am not even able to contact them through the email portal on the website. ( Exhibit E )
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IL)

I booked a trip through a solo traveling group, XXXX for XXXX of 2020. I paid {$3100.00} to XXXX through my PNC bank. The company cancelled the trip due to COVID and offered no refund but only credit for future travel. I reached out several times with no response but when I finally reached a refund department, I was told they filed bankruptcy and were unable to provide a refund but did provide me with steps to contact my bank ( PNC ) to dispute the payment because according to the Fair Credit Billing Act, I have the right to claim a refund when the service was not received due to company bankruptcy. 

I gathered my emails, credit notes, booking receipts, and email from XXXX who is representing XXXX who now is under new ownership and still running solo trips... weird. 

I filed a claim to PNC bank and was denied. They are not willing to work with me, refund the money, and redirect me to anyone who can help me. 

I am willing to share any additional information you may need and am appreciative for any guidance, suggestions, or at least to document this for others to see so that no one else has to go through this same situation with XXXX or PNC bank.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (FL)

We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees. 
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX  could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (MN)

I have contacted Wells Fargo Student loan department to provide me with statement that shows 1- The total amount I borrowed 2- The First month I started Paying for the loan 3- The total I paid before my Student loan was sold to XXXX XXXX Services 4- The Total Amounts remaining that they sold to XXXX and they declined to provide me with the requested information. I even requested to talk to a supervisor who may know better  to assist me and I was told I was talking to the executive office and  therefore there is no one else that can help me or provide me with what I am requesting. They even denied me to offer my grievance/complaint rights as to who I can contact to file complaint against them. I had to XXXX to find Consumer Finance phone number and website. 

The Reason I am requesting this information- I believe my student loan should have been paid off by now because I graduated in XX/XX/2009  and I started paying the minimum 6 months later. It has been 10 years since I have been paying the minimum due. Plus, I only borrowed {$10000.00} from Wells Fargo and the document they sent me shows I borrowed close to {$15000.00} which is not correct. I have already contacted the college I went to and they confirmed the loan amount to be less than {$10000.00}. So, there is something they are hiding. They probably sold the wrong amount to the second company they sold to ( XXXX ) and that is why there is still a balance on my student loan account. Wells Fargo sold the loan to XXXX XXXX services and they in turn sold to XXXX. So, something went wrong along the lines of selling the loan balance which I am trying to get to the bottom. They sent me a document via email showing I only took a total of 4 loans and they mailed me a document showing 7 loans. So, those two alone contradict because they said they mailed me the same document they emailed me which is not correct. The documents they mailed me show the loan I took adds up to be close {$15000.00}. Please help me. Thank you
Consumer complaint received 2021-03-09
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. (IA)

I have inquires listed on my credit file that are not mine, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i have not applied for any loans with these companies the inquiries are from fraudulent applications remove them from my file
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and BK OF AMER with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duncan Solutions, lnc. (PA)

Received an email from a company called " Professional Account Management , LLC a XXXX XXXX XXXX '' claiming that I owe {$240.00} to the Pennsylvania Turnpike Commission. 

I did not respond to the email and immediately called the Turnpike Commission and verified that our account does not not now, nor has it ever, owed a past due balance of any kind and that the information, logos, and verbiage in this email were inaccurate and not a representation of any official from the turnpike commission. Was informed that the only communication the turnpike commission sends out for balances is via USPS, not email. Forwarded this email to " XXXX '' as well as reporting it here.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Accont was never in collections and original creditor was paid in full. 

The collection agency " XXXX '' was hired to collect a debt of {$250.00} originally owed to " XXXX '' on account number " XXXX ''. 

Collection agency XXXX Original balance {$250.00} Current balance {$0.00} Date assigned XX/XX/2019 Original lender XXXX Account number XXXXXXXX Account holder Individual Account descriptions Consumer disputes this account information
Consumer complaint received 2022-12-03
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. (RI)

I filed XXXX XXXX XXXX  XXXX of XXXX and have worked with a law firm to repair my credit. XXXX is showing a collection status from XXXX  XXXX XXXX XXXX. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Consumer complaint received 2022-02-22
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. (MO)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-02-22
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened an account with Truist on XX/XX/2023. As the screenshot said, I had until XX/XX/2023 to fund the account or it would be closed. I updated my direct deposit from my job to be deposited over into this new Truist checking account. So I went in Friday into the mobile app on XX/XX/2023 to make sure it went over correctly. It got the notification from the mobile app that my account had been locked for security purposes and that I needed to call them. I called them, there was nothing they could do online and that I needed to go into a branch. So I went into the branch on XXXX XXXX XXXX in XXXX, SC. I spoke with a banker who looked into my account and said it was closed for no reason. She called another Fraud line within Truist who also said it was closed for no reason and that my paycheck shouldve been kicked back to my company. After speaking with my company, they said Truist accepted the funds and has not sent them back. So Truist is holding onto my funds illegally and Im missing money due their incompetence.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management has failed to delete the account as agreed or has re-reported the alleged debt. According to the original CFPB complaint # XXXX, which was forwarded to the Office of the Comptroller of the Currency, Midland Credit Management on behalf of XXXX  XXXX agreed to delete this account from the credit bureaus. The amount currently being reported is {$580.00} and reflects on XXXX, XXXX, and XXXX reports and shall be deleted as agreed upon receipt of this notice. The last reported date is XX/XX/XXXX and reflects an alleged account open date of XX/XX/XXXX.
Consumer complaint received 2021-06-11
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {XXXX} 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 30 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 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} 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.
Consumer complaint received 2019-07-30
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. (IL)

I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..