davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

My one bank account was over drawn and they transferred money from a different account w/o notifying me and kept checks in hold for over a week causing several bills including car payment, mortgage, credit card, and electric bill to bounce becoming overdue since I did not notice. They the froze my accounts after they removed one payment and placed it into the over drawn account that would have one of my direct deposits suited next week to cover the amount. It was an accidental deposit of checks we didn't realize were already submitted and I had that account for almost 9 yrs with no problems. USAA is mad b/c my spouse and I had over XXXX of attorney fees and had to file bankruptcy which included a lian my spouse took out in my name for XXXX in which he paid XXXX a month for first 24 months and could only pay the XXXX month but somehow still owed XXXX so I told him to place it on the bankruptcy. USAA pretends to help veterans.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2019-07-12
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. (FL)

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process.

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Consumer complaint received 2019-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/XXXX, a letter was written by Navy Federal Credit Union stating if I paid XXXX they would settle my credit card account and stop collection processes and send a letter showing the account settled. This did not happen. XX/XX/XXXX I recieved a letter basically bait and switching me. The letter stated we did not have a settlement agreement and they still took my payment and still owe XXXX pus and they look forward to speaking to me to settle the account. Basically took my money and did not supply what was promised. A settled credit account and a letter showing this. Instead, they took my money and are making me pay off the remaining balance. I have a photocopy of the letter, which was also sent with the payment so no mistakes would happen. I'm pretty sure they thought because I sent the letter with the payment, I can not prove that's what they said. Not true. I have a copy of the settlement letter and the letter stating they basically took my money and went against their agreement. These are attached with this complaint. I also have proof of when the payment was mailed. It was tracked.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TN)

This complaint was issue previously. In regards to the funds that was withdrawal, I have not received the remaining funds from my company PPP loan that was disbursed to the account nor have the lender who issued the loan received the funds via the lender response. My own personal business funds were utilized to pay payroll and other business related fees other than the funds that were disbursed to me for those intentions through the SBA PPP program. I need an update on this issue. Are those funds still in wellsfargo account or have wellsfargo disbursed the funds to XXXX XXXX  and if so when. 

Below is the info related to my previous complaint I received a PPP loan as well as a SBA loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the SBA was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the XXXX loan has placed a soft hold on my account due to XXXX. I have reached out to XXXX Bank and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited XXXX Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud XXXX from XXXX Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from XXXX was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or SBA loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my SBA loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (NV)

There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

i have two chase cards one with a credit limit if XXXX and the other XXXX i only uses my freedom char card balance is XXXX i pay on time or early and more than the minimum payment. I tried to use my other chase card the slate for groceries and it was declined i have never used the card before still had XXXX balance on it, i looked up my accounts says that my accounts are closed! I never received a email phone call or mail stating that my card might be closed or why they would even close down my accounts that i pay on! I receive emails stating when my payment is due and when i make a payment! But no notification that my accounts are being closed when i pay them on time all of my credit cards are paid on time have a 100 % pay history, yes my score went down a little since i got my chase card but i still pay on time, they have failed to notify me of any issues wich is against the law, and they descriminated against a good client who pays there bills on time by closing my account and they failed to notify me that they checked my credit without my knowledge!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have called the company on the XX/XX/XXXX to add my phone number on my credit file and they have not. I called today and they keep telling me I have send a request in the mail but my number shows up on there system but not on my report. I want this fixed cause I can not complete my car finance.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (GA)

I secured a First Progress MasterCard issued by Synovus Bank XX/XX/XXXX and never missed a payment. I made my last payment in XX/XX/XXXX and called to close my account. Since this was a secured credit card the difference between what I owed and my initial deposit resulted in a credit balance just over {$70.00}. Since this time ( nearly two months ) I have not received my check of over {$70.00} even though online the account is rendered closed. I called recently to inquire about the hold up of my funds, the customer service rep informs me it takes them 10 weeks after the close of the account to process my refund. When I asked why it takes so long to process my refund the only answer I received was its their policy. When asked would my money earn interest during those ten weeks, the response was no.

This is my first association with Synovus Bank although they have branches here in my hometown. I have several family members and friends who have checking and/or savings account with Synovus Bank because of their image of being a local bank and not part of a huge conglomerate and thereby would be more customers focused.

This is a marketing scheme and not true from my personal experience and here is why. During this same period, I also secured a credit card with a larger more established bank who issues the XXXX XXXX. Prior to me closing my account with Synovus, XXXX card wrote me a very nice letter stating they were changing the status of my XXXX card from secured to unsecured and refunding my initial deposit immediately since I was a good customer and never missed a payment, the same as my First Progress credit card. XXXX XXXX not only mailed me my refund within a week they also increased my credit limit to four times more than my initial deposit. Now XXXX XXXX from my viewpoint appreciates it customers and rewards them for their business and is more customer focused than profit driven. I really appreciate XXXX XXXX efforts and will continue to do business with them for several years to come. As for as Synovus, I dont agree with their 10 week wait policy for refunds without earning interest and will not do business with them nor any of their affiliations.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.
Consumer complaint received 2018-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a  conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). 

I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. 

On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. 

Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of  Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. 

In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (AL)

AmSher Collection Agency continues to report to XXXX that I have an outstanding collection item with them. This was resolved in XXXX. I have disputed this with XXXX   and with AmSher, but they refuse to remove this collection account for {$980.00}.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

In the fall of 2018 I noticed that my PC Richards store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.
Consumer complaint received 2020-09-24
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. (OH)

I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following fraudulent account need to be deleted/removed : XXXX XXXX XXXX # XXXX XXXX-XXXX  XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MO)

Last Year I had lost my phone and somehow a minor ( XXXX XXXX ) granted access to my cash app account security breach by far, and changed my name and cash tag to replace it with His name and cash tag.I had two direct deposits ( {$1000.00} on XX/XX/ & {$1200.00} ) that I can not get because my job said corporate office take 2 weeks to do changes on accounts. I showed nothing but solid evidence and support that is this is mine I have the print out of the direct deposit, I have the job app that I use the clock in that has my schedule my money when it come in everything on there.I just want what's rightful mines and what I entrusted cash out to have secured for me I showed all available sources that clearly show I am the rightful owner.Cash app claimed only I can get in account but how is that possible when this is your system so you telling me once I'm locked out I'm out and there's no recovery for me to obtain my account this is clearly unprofessional and unacceptable and a bank would never do me like this.
Consumer complaint received 2018-08-11
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: EQUIFAX, INC. (FL)

This is a complaint against XXXX and equifax, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the