davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I don't understand why once again USAA XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by USAA XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to USAA XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information USAA/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Overdraft fees on XXXX/XXXX/2022. Request to refund them was declined by a B of A rep on the phone. Account was over drafted for only 1 day due to credit card payments.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: On-Site Manager, Inc. (AZ)

I'm XXXX and I'm temporary working in US. My husband and I tried to get a dream home in XXXX and our mortgage was denied due to over 30 credit hits in my credit report between XX/XX/XXXX to XX/XX/2018 by Leasing Desk. 

I was in a process of obtaining my Social Security number so I provided my XXXX XXXX number in the meantime. I undertood that when I rented my home in Arizona that one credit check would be done, however, this was not the case as several unauthorized checks were done in a short period of time lowering my XXXX credit score significantly. 

I have contacted Leasing Desk multiple times and also submitted a complaint through their website but they closed the case stating that I should contact the applicable credit bureau.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

Chase continues to make hard inquiries on my credit report, even though I never authorized them. I submitted a dispute letter and attempted to place a fraud alert with XXXX in XX/XX/XXXX. This stopped the inquiries for a time, but it started again on XX/XX/XXXX. 

The company 's information is as follows : CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Here are the dates that my credit was checked without my permission : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-03-18
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. (TX)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MA)

I was a member of Simple bank, which was backed by BBVA. XXXX stepped in and had BBVA shut down Simple service and forced people to migrate to BBVA. This migration happened Friday XX/XX/XXXX. The company failed to prepare adequately for this large migration of users and their systems crashed. Calls to BBVA customer service do not work as their system hangs up on me. Their online chat also fails to direct me to customer service. 

Their site now states : " If you were able to create a username and password in Online Banking or Mobile Banking, but received a system error message, please try logging in again with your new username and password before restarting enrollment. If you were not able to create a username and password and are locked out, please call customer service at XXXX. '' I fall into the second bucket of users who were not able to create a username and password due to their system issues and am locked out. Again, the phone number they provide hangs up the user once the appropriate options are selected in their menu. This leaves tens of thousands of people without a way to access or manage their funds, or opt out of optional serviced the bank defaulted us into that have associated fees.
Consumer complaint received 2022-07-10
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. (GA)

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have the XXXX XXXX card which is administered by SYNCHRONY BANK. 

I have 6 months interest free promotional offers and have used their offers often, but starting noticing that they were paying off my least amount of interest first leaving the ones with higher interest so that they would rack up more interest charges. I called and complained and they were removed. Was then told to call in each month to say where I wanted my payments allocated too. During my last 2 billing cycles NONE of my payments have been applied to where I wanted them and feel as thou they are jerking me around to get more money from me. Which means they are most likely doing this to others as well. 

I still have an interest FREE payment running till 2019 and was so fed up with them not allocating the funds for the last 2 billing payments where I asked that I just paid the whole statement in Full this billing Cycle. This is such an unfair practice and if it continues I will file a lawsuit against them. 

They tell their consumers to call into them to make sure payments get to the right things you want to pay off but then just apply it all like they've been doing so that they will still get Interest Charges.  I'm done with XXXX and any companies they do business with.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Dear equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE 2. Different last payments from XXXX  & EQ 3. The payment history have no late payments so the account status is incorrect. 
4. LATE PAYMENT STATUS ON EQ SHOWS 60 days MAYBE UPDATED TO 80 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC (NJ)

I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The XXXX nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me onXX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly.

The same happen with a XXXX   case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a Global Lending Services, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Well I went to apply for a payday loan from ace Cash express and I ended up getting denied and when i received the email stating why it said that profile didn't match first name and that my social security number was registered as deceased. And not I only them but XXXX XXXX too when I called them to verify my identity over the phone.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The Transunion nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me on XX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly. 
The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a XXXX XXXX XXXX, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
Consumer complaint received 2022-07-10
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)

Experian is in deliberate violation of the FCRA regarding reporting 100 % accurate information on my credit report. On XX/XX/22 I contacted Experian regarding public records still reporting on my credit profile as of date. Experian 's data furnisher XXXX has completed corrected and removed this data and also notified Experian of this update. However, Experian has ignored this an continue to be in violation and report this inaccurate data. I opened another dispute in an attempt to resolve on XX/XX/22 and they closed the dispute the same day stating the item remains ( in spite of )
Consumer complaint received 2018-09-05
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)

Equifax has child support on my bureau that is outside of the federal obsolescence period for keeping a collection. Unless someone has re-written the FACT Act of 2004, a collection MUST drop from the file 7 years from the first delinquency prior to charging off. I have attached TWO LETTERS showing that the delinquency was BEFORE XX/XX/2011. XXXX XXXX has removed it ... XXXX  has removed it. Why does Equifax get to ignore federal law? 

In addition, the child support is being paid through Mississippi and NOT Illinois. My ex wife and child live in that state and I live in Georgia. 

Equifax needs to be made to comply with federal law. This is a willful and not negligent violation of the FCRA.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (TX)

XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. 
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (OK)

I was charged a total of {$80.00} on my XXXX credit card for what they said are cash advances. I have never used my card to receive a cash advance. I paid for items through XXXX XXXX and they claim that I used my account to take a cash advance and was therefore subject to a cash advance fee. I have used other credit cards via XXXX XXXX   and have never been charged a cash advance fee.This is no different than paying for items through XXXX XXXX or XXXX, but they consider XXXX XXXX a cash transfer service and am subject to the fee. I can understand being charged a fee if I truly used my XXXX credit card to withdraw money from my credit card, but I did not. I have filed a dispute with them, but I received a letter back declining the dispute. I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX and the last one on XX/XX/XXXX. Each of these times, I was charged a {$10.00} cash advance fee. I was unaware of these charges, until I received my statement in the mail.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Without contacting me, this company has put a negative mark on my XXXX credit report. 

I had already disputed this debt with the Consumer Financial Protection Bureau 6 months ago. The debt is not owed and is the result of fraudulent billing practices. 

I closed my XXXX account in person over a year ago. The XXXX representative was friendly, everything was done, there was no equipment that I owed. 

I would be interested in joining a class action lawsuit against this billing practice, if there are any lawyers out there listening.
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX   supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please Remove these items from my account ASAP.