davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I am writing to file a formal complaint against USAA Federal Savings Bank ( FSB ) in response to their inadequate and misleading response to my concerns regarding my credit card accounts, as outlined in their correspondence dated XXXX XX/XX/2024. To which I've received no response or the requested documentation. Furthermore, I wish to bring to your attention that I have lodged a separate complaint with the Securities and Exchange Commission ( SEC ) for securities fraud perpetrated by USAA FSB. As detailed in my previous correspondence with the Consumer Financial Protection Bureau ( CFPB ), I have encountered significant issues with USAA FSB regarding the handling of my credit card accounts. Despite my attempts to address these concerns with USAA FSB, their response has been dismissive and fails to adequately address the issues raised. In addition to lodging a complaint with the CFPB, I have also filed a complaint with the Securities and Exchange Commission ( SEC ) for securities fraud committed by USAA FSB. The response from USAA FSB further underscores the need for regulatory intervention to address the unlawful practices and fraudulent conduct perpetrated by the bank. USAA FSB 's actions, as outlined in their response, constitute a clear violation of securities regulations and demonstrate a pattern of deceptive and fraudulent behavior. By denying presentation of payment and refusing to address legitimate concerns raised by customers, USAA FSB has engaged in conduct that undermines the integrity of the financial system and jeopardizes the rights and interests of consumers.
Consumer complaint received 2019-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (NY)

The XXXX XXXX pediatric dentistry fraudulently attempted to charge me an additional {$1000.00} on top of my originally quoted charges of {$300.00} that they adamantly advised would not be any higher. I disputed this with the XXXX XXXX directly and they were NOT willing to work with me at all other than offer a payment agreement, so I disputed this with the New York State Attorney Generals Office and per my letter from them, dated XX/XX/2019, they ruled in my favor of the original quoted {$300.00} charge. The XXXX XXXX has failed to report this debt as resolved to TekCollect as well as all three credit reporting agencies.
Consumer complaint received 2019-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

It seems as though after a long process of Capital One supposedly investigating fraudulent charges on my credit card account ending in XXXX, they did not conduct the proper investigation. Instead of investigating fraudulent charges on my account, as I reported to them in XX/XX/XXXX-XX/XX/2019, by telephone, they investigated that my card ( ending in XXXX ) was opened in my name fraudulently ( see letter from them attached to this report ). I reported to Capital One in XX/XX/XXXX/XX/XX/2019, by telephone ( on a recorded call ), detailing each charge/date/and amount that were fraudulent. I never told them that the card was opened in my name fraudulently. Capital One has all the charges/dates/and amounts that I provided to them, on a recorded call. Also, in writing, on their Identity Fraud Information Form ( that they sent to me and was confused of why I was receiving a fraud identity form ), I hand wrote on the form that, " no one sought credit in my name, but that my accounts were used fraudulently '' ( see attached form that was faxed to XXXX/the fax number they provided to me ). I tried reaching XXXX several times to follow-up on the form to ask him why I was sent that form, but he was never available. Also on that form, I checked the box that I did not authorize anyone to use credit in my name, and next to each line, I wrote that these items pertained " according to my disputed charges '' - which also should have let them know that I spoke of charges and not a card being opened in my name ( see form attached that was sent ). Capital One should also know that I did not report that my account ending in XXXX was opened fraudulently because I had been paying my bill monthly, for over 3 years and up until XX/XX/2019. They can check their records. 

For over a month, I had been trying to follow-up with my investigator named XXXX to receive an update on the investigation ; however, my phone calls went unanswered, or I was told that he was not available and no other representative would provide me with the progress. If I had been provided an update on the investigation, I could have informed him that he was conducting an incorrect investigation. 

I would like for Capital One to conduct the correct investigation of fraudulent charges on my card ending in XXXX that I reported to them, on a recorded line, in XXXX/XXXX, in which I listed each charge/date/and amount.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (KY)

I was contacted in XXXX and threatened with jail time if not paid. I hung up as I knew it was a scan. I received another call from a different company and was contacted again on XXXX. I asked for proof of debt, they emailed me a document to be signed I would pay {$10000.00}, however, this is not proof of debt as asked. The original amount stated was discharged in bankruptcy in XXXX. The company stated it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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 2019-10-06
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)

Capital One Bank Usa Inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX Va, XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX- XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019 requested deletion letter 
XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX   XXXX XXXX
phone number XXXX
XXXX XXXX XXXX XXXX   inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX fl XXXX XX/XX/XXXXXX/XX/2019 requested deletion letter XXXX  XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Goldman Sachs Bank USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Goldman Sachs Bank USA the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Goldman Sachs Bank USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs Bank USA never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (FL)

Received a letter dated XX/XX/2019 from Rausch Sturm concerning XXXX XXXX  account under their file number XXXX. Requested the name and address of original creditor, a copy of the original signed contract, delegation of authority, and complete account / statements of payments, interest, and fees associated with this date.
Consumer complaint received 2019-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Loan statements would come in mail on the XXXX or XXXX of each month giving us time to send check on the XXXX for a mortgage due date on the XXXX of each month. 

Now loan statement comes on XXXX or XXXX of month not giving us time to send check for due date on the XXXX. 

Seems Loan company wants, in my opinion, us to do auto payment or paperless billing. 
Why the change in receiving our loan statements? Had to mail check without current loan statement again for XXXX payment.
Consumer complaint received 2019-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Patriot Finance, LLC (GA)

I have been experiencing poor communication methods from this debtor.i was at one point on time with all payments and using auto draft. This company has shown to be very difficult to communicate with and very nonprofessional. 

I had asked them to stop contacting me at work which didn't stop. They have called extended family and friends who don't know me well without authorization. I never gave these people as a reference. That's embarrassing. 

XXXX XXXX who is the primary caller, always threatens to garnish my wages on every conversation. On XX/XX/XXXX XXXX stated that the authorities of XXXX co had already been contacted and papers were filed to serve me. So of course out of nervousness and not wanting to hurt my employment, I asked what could we do to catch up the debt and get on a plan. She said she didn't what she could do but that I needed to pay the past due amount of {$1200.00} before anything else could be done. 

Once I shared that I would talk to my husband and see about paying the past due XXXX went back and forth on whether or not papers had actually been filed. At one point she said. " I can't tell from the notes if it has actually been filed ''. Her whole reason for calling me was to tell me that I would be served by police officers at work. She knew that calling my job was a huge concern and I believe she used those comments as a threat. When asking another member, they stated that no papers had been filed and that wasn't the process. 

On XX/XX/XXXX I gave authorization to draft 2 payments. One on the XXXX for {$600.00} and one on the XXXX for {$600.00}. This would help to catch up the past due. At that time I authorized to autodraft {$430.00} a month moving forward but I asked for them to draft biweekly on my payroll dates as they used to. 

On XX/XX/XXXX they completely overlook my payment arrangement and drafted a 3rd payment of {$600.00}. When I contacted them to dispute I shared that I would be disputing with my bank as they have charged me to overdraft with my account as a result of their unapproved charge. There are two problems : unauthorized amount and drafted on unauthorized date. 

After submitting an email explains why I disputed once again XXXX threatens with garnishment. I shared with her that I was trying to pay my debt down. 

I have not heard back from her with regards to a payment plan. In XXXX the company Patriot Finance has pulled my credit report for the second time without permission. 

This debtor has been very difficult to work out an arrangement with. Their practices are unruly and unprofessional. I should t feel frightened that police are going to show up to my job. That makes me fearful of losing my iob
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (RI)

i have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX  they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.
Consumer complaint received 2023-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/22 Balance {$750.00}
Consumer complaint received 2019-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

This is the continuation of COMPLAINT ID XXXX-XXXX which was not resolved. The company just sent me a letter dated XX/XX/XXXX in which they state they've canceled my monthly automatic drafts. I need their clarification in writing that they're only canceling the auto-draft of additional principal payment in the amount of {$520.00} and not canceling the regular interest+principal auto-draft of {$560.00}.
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

this company calls me everyday and does not say anything when I answer! when I call back, its an automated call rather than an human, They even called my XXXX yr old XXXX  phone and falsely reported on my credit reports!
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, XXXX & Experian reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

EQUIFAX INFORMED ME IN 2017 THAT I ALONG WITH 125 MILLION OTHER INDIVIDUALS IN THE UNITED STATES HAD THEY'RE PERSONAL CREDIT INFORMATION BREACHED AND THAT THEY WERE RESPONSIBLE. 

EQUIFAX ADVISED THAT I WOULD HAVE FREE MONTORING AND CREDIT REPORT FREEZING FOR SEVERAL YEARS. 

WHEN I HAVE COTACTED THEM SERVERAL TIMES OVER THE YEARS TO UNFREEZE MY CREDIT FOR CAR PURCHASE OR INSURANCE QUOTES IT HAS BEEN EXTREMELY DIFFICULTLY, TAKING OVER A HOUR EACH TIME IN DOING SO. 

-I HAVE A USER NAME AND PASWORD AND THE EQUIFAX WEBSITE DOES NOT RECKONIZE THE USE NAME AND PASSWORD EVEN WHEN I CHECK AND RE-CHECK AND SUBMIT PASSWORD SEVERAL TIMES. 
-AFTERT FAILURE TO LOG IN I CONTACT THEY'RE CUSTOMER SERVICE NUMBER AND THE AUTOMATED SYSTEM DOES A CONTINUES LOOP OF REPETATIVE QUESTIONS WHICH I ANSWER BUT THEN REBOOTS OR DISCONNECTS FORCING ME TO RETART AGAIN AND I CAN NOT AND THERE IS NO ACCESS TO OPERATOR TO ASSIST -AFTER SEACHING EQIUFAX WEBSITE FOR CONTACT NUMBER XXXX GET SERVICE REP WHO CAN NOT HELP RESESOLVE ISSUE AND I AM TRANSFERRED TO ANOTHER REPRESENTATIVE-THIS PROCESS, EVERYTIME I WANT TO UNFREEZE MY CREDIT REPORITNG TAKES APPROX. 2 HOURS- -WHEN I UNFREEZE XXXX AND XXXX THEYRE COMPUTER AUTOMATED SYSTEM WORK  FAWLESSLY AND THEY'RE REPRESENTATIVES ARE EASY TO CONTACT AND UNFREEZE AND REFREEZING OF MY CRIDIT INFORMATION TAKES 10 MINUTES AT MOST. 

I STRONGLY BELIEVE THAT EQUIFAX, WHO IS LIABLE FOR BREACHING CONSUMER INFROMATION-IS INTENTIONALY MAKING IT DIFFICULT IF NOT IMPOSSIBLE TO DEAL WITH THEM TO FREEZE AND UNFREEZE CREDIT -TO HAVE CONSUMERS WHO HAVE BEEN AFFECTED BY THIER SECURITY BREACH GET SO FRUSTRATED AND DISMAYED BY LACK OF ANY COMPETENT WEBSITE, LOOPING OF AUTOMATED WEBSITE SYSTEM ENDLESSLY, NOT PROVIDING ACCESS TO OPERATORS/REPRESENTATIVES-ANOTHER LOOPING OF TELEPHONE SYSTEM ENDLESSLY-AND FAILING TO PROVIDE EASE OF ACCESS TO PHONE NUMBER OF REPRESENATIVES WITHOUT A WEB SEARCH AND THEN TRANSFERRING TO OTHER REPRESENTATIVES ; THIS INTENT IS TO HAVE CONSUMERS DROP THIER SERVICE WITH THEM THUS REDUCING THIER LEGAL OBLIGATIONS- EQUIFAX HAS DONE THIS INTENTIONALLY NOT ONLY TO DISMAY & DISCOURAGE CONSUMERS AFFECTED BY THIER BREACH BY THE LACK OF PROFESSIONALISM, EASE OF USE AND FAST EFFICENT WEBSITE OR AUTOMATED PHONE SYSTEM BUT TO HAVE CONSUMERS DROP THIER FREE SERVICE THAT THEY ARE OBLIGATED TO DO BY LEAGAL AGREEMENT WITH GOVERNMENT SETTLEMENT DUE TO THIER BREACHING OF OVER 100 MILLION CONSUMERS. 

I REQUEST THAT EQUIFAX IS INVESTIGATED FULLY-WITH FOCUS ON THEY'RE COMPUTER USER WEBSITE-AUTOMATED PHONE SYSTEM AND LACK AND DIFFICULTY OBTAINING AN EQIFAX REPRESENTATIVE-THE PROCESS TAKES OVER AN HOUR EVERYTIME I TRY TO DO SO-
Consumer complaint received 2020-09-15
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. (NV)

After receiving a letter from Equifax stating they are unable to verify my identity to remove incorrect information, I submitted on XX/XX/XXXX and XX/XX/XXXX via certified mail. Equifax still stating they have not received a copy of my id, ssn, and proof of address. I have sent that several times and they keep telling me they never received it. I am disputing the bankruptcies that are on my report. Their 3rd party verification department which is XXXX deleted the items off my report due to unable to verify. I sent Equifax the same paperwork so they can remove it off so i can finally purchase my home. It has yet to be removed and i have been dealing with this since XXXX. I need that information off my report due to as your laws they can not report incorrect information and it is still being reported. This is against the law. Credit bureaus get paid to report so that is why they keep giving me the run around so they can still get paid to report it but it's not accurate. I have proof that it is not accurate and it has been removed by all furnishers except for Equifax. Please have them remove these items or i will be taking them to court, and I will win. How does the company that they go to for verification remove the items and they don't this is insane and im tired of spending money to mail over this information just for them to keep telling me we need to verify your identity. Just remove it XXXX XXXX it should not take this long. This is stopping my future
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The following companies gained access to my credit report which was not permissible : XXXX XXXX Inquiry Date : XX/XX/2019 XXXX XXXX XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX/XXXX Inquiry Date : XX/XX/2019 XXXX XXXX Inquiry Date : XX/XX/2019 I have contacted Experian to have these inquiries investigated on numerous occassions to no avail. Please assist me in this effort.