davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC (SC)

The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX  yes and you all still received money at the XXXXXXXX XXXX  location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.
Consumer complaint received 2019-10-14
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. (PA)

I am a victim of Identity Theft deemed so by the FTC, did all that was required as listed on the FTC 's website ini the Recovery Steps - to no avail!? 
Equifax will not allow me access to my account?! 
I requested a copy of my credit report twice and did not get it? This entire ordeal is horrifying! 
Kindly REMOVE THE NEGATIVE on my report as is required by law within days of information received by CRA but it was't removed!?
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA has failed to properly train and verify their agents ability to handle financial transactions Or any form of account management. I can directly prove that USAAs agents do not meet basic criteria required to be doing their jobs, resulting in severe financial issues as well as problems insuring vehicles. 

I have been using USAAs banking for over a year in addition to having used their car insurance most of my life. Throughout my entire lifetime, USAA has failed to provide a single agent who is capable of understanding the USAA app, basic financial terminology/functions, or resolving any issue whatsoever. I can prove this through documentation. 

As both a financial institution, and a car insurance provider, USAA is required to provide agents who are capable, properly trained, and properly certified, to be handing financial accounts and transactions. Every single interaction or issue I have had with USAA has caused me to have to email the CEO directly in order to get any basic form of customer service, from someone who is competent enough to understand basic English. 

XXXX is advertised through various emails as belonging to the CEO. I have had numerous issues with this institution, and had to escalate all the way to emailing that address directly. Every time somebody calls, they identified himself as having worked in the CEOs office. 

There are numerous emails and phone calls from me that will prove this, that I have emailed XXXX numerous times in order to resolve basic issues- Such as getting an agent who is competent at a basic level. 

Because all of these interactions and issues have had to be referred to the CEOs office instead of customer support directly, repeatedly, USAA is in violation of federal law. USAA is not providing proper customer support to handle all of the financial accounts and transactions it needs to. My emails and correspondence With the CEOs address and the CEOs office will show that every issue I have had needed to be resolved by the CEOs office - Thus proving that customer support does not exist At the level USAA advertise it. 

USAA will explain why they are failing to hire competent agents. They will also explain why they are forcing me to bypass customer service and take extra steps- Beyond what all the other customers have to do - in order to get basic financial service for my financial accounts. This is not the customer service that was portrayed and advertised to me through various means.
Consumer complaint received 2018-05-17
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)

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, Experian and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ive contacted The XXXX  XXXX more than one also contact the consumer reporting agency to get the issue resolved. Bank of America Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted Bank of American multiple times asking for validation of this this so called account. Ive attached both what the XXXX  XXXX has written about me and also the response of Bank of America. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX  XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

Bank of America is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The XXXX  XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A XXXX  XXXX reporting wrong information Exhibit B Bank of America proof of violation 15 USC 1692 ( B ) ( 2 )
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information and to restore my credit score.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NM)

I paid off my entire credit card balance with Fortiva, closed the account and yet the company says I owe money for an annual fee ( {$29.00} ) and for a monthly maintenance fee ( {$12.00} ) they charged me after I closed the account.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

i obtained a title loan from XXXX  for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been the victim of identity theft. I already have a fraud alert placed on my consumer reports but I need to have addresses and names that I do not recognize removed from my consumers reports to prevent any further possible identity theft. There's already an extended fraud alert on my file.
Consumer complaint received 2023-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2022, I sold a XXXX XXXX XXXX XXXX on XXXX for {$1900.00}. The buyer then opened a dispute with his bank for " item not as described '' and was refunded by his bank the full amount. The buyer then listed the ( now stolen ) laptop on his own XXXX, with my exact listing, description, and photos, and sold the laptop for {$2000.00}. 

XXXX, attempted to collect {$1900.00} from me to settle the buyers fraudulent dispute. I had informed Bank of America that I had been scammed and asked them what to do. Bank of America, on my behalf, disputed the XXXX charge, and opened a new checking account from me so XXXX could not attempt to collect, and bank of America also blocked XXXX from taking money from my account. 

Fast forward some time, and XXXX is trying to send me to collections over the {$1900.00} that was wrongfully stolen from me. I called Bank of America and asked them if I should pay it, to avoid being sent to collections, and then dispute it, to extend the amount of time I have to work on this in small claims and avoid collections. Bank of America TOLD ME this would be a good idea, and they would help me through it. 

So I called back Bank of America, and they advised me " I SHOULD PAY & DISPUTE IT ON MY CREDIT CARD & NOT MY DEBIT CARD. '' Bank of America walked me through the dispute and filed it for me, and came back a week or so later and DENIED my dispute. 

The reason for denial is because " the dispute is against a 3rd party '' This hardly makes sense to me, the dispute is against XXXX, which allowed the buyer of my laptop to blatantly rob me, and XXXX helped the buyer facilitate the fraud against me, XXXX is trying to collect from me, not the buyer. 

Even if it was against a 3rd party, if I use my Bank of America credit card to buy Bananas at XXXX and dispute it, the bananas are made by a 3rd party... not XXXX What really bothers me is I would have never paid it if Bank of America hadn't advised it was a good idea. I would have not disputed it if Bank of America didnt tell me to. Bank of America told me to pay & dispute it on my credit card, and not my debit card. 

Bank of America told me after the fact, disputes against a 3rd party would have been covered if I had paid and disputed with my DEBIT card. 

I was completely mislead and lied to by bank of america. They misguided me and lost me {$1900.00}. It is the rep at Bank of America who TOLD me what do to and how to dispute it, THEY walked me through the dispute process, and wrongfully denied it on a technicality.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request the immediate removal of a fraudulent account from my credit report. Upon contacting XXXX XXXX, they confirmed the validity of the identity theft report and assured me they would remove the fraudulent accounts. Despite encountering system issues, they can not provide records. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-02
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-06
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. (PA)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

With several letters being sent over the year to each credit reporting agency. With no action being taken to remove late payments that these companies were/are not authorized to report without my consent. All late payments should be removed immediately.
Consumer complaint received 2022-10-06
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (IL)

cont : I sent a packet with more detailed information. I received another email from a different collector for the same alleged debt. 
Credit Control XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX This is now the 4th company they have collecting this debt. 
I have been asking for years to provide proof of debt with my signature. The info is typed in with my name and address etc. 
Please request this be removed from all credit bureaus and please send a letter stating debt has been removed. 
Please let me know if you need anything from me. 
Thank you for your time.