davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA bank has taken over {$300.00} from me in the past year by refusing to permanently issue credits to my account after disputing certain transactions. 

-XXXX XXXX my car was fraudulently towed and I had to pay {$290.00}. I explained that to USAA, but Im assuming since I couldnt prove it by XXXX they took the credit back. Not even 3 months later the business closed due to too many fraudulent tows and Im still being refused my {$300.00}. 
XXXX XXXX I ordered a {$45.00} duffel bag to take with me to give birth, but it didnt arrive on time so I bought one in person and returned the one that was mailed. During that time I got a new debit card so the funds never went back onto my card. In less than the 90 days they say it takes to investigate they closed my case and took my money, because I didnt send proof of the return when I know I did send them the email confirmation from where I ordered the item. In this case it shouldnt have been a dispute to begin with because I no longer have the item and proved it! Plus the refund was processed from the retailer so if the funds werent found at USAA they shouldve been PERMANENTLY issued but were reversed as well. 
XXXX XXXX I ordered from XXXX XXXX XXXX and spent about {$92.00}. My order was delivered an hour late, the food was disgusting and even after experiencing every part of that horrible service and then some, the manager was even more rude and refused to refund me, even just partially for the horrible delivery. Id never eat there again yet was being forced into according a gift card just so he could get off of the phone. It was enough to have asked for a refund if it had been an in person transaction, but I believe I was treated that way because I was at home. I disputed this after the manager refused to help otherwise and once again before the 90 day investigation mark the funds were reversed from my account. 

There are a couple of other charges where I was told nothing could be done just because I was unhappy with the outcome, but isnt that the point of us being the consumer spending money? Im sure Im not the only one to expect a refund when I dont receive what Ive paid for.

USAA did continue to refuse refunding any funds and told me they couldnt tell me any resources to help get my funds back. Im a XXXX veteran with a XXXX XXXX XXXX I dont have money to just throw away. Ive never had these issues at any other bank Ive had, they always do their due diligence and unfortunately in this case I was failed and let down. 
PS. After speaking to an agent recently I discovered that even though I have online alerts turned on I wasnt getting any emails from USAA notifying me to submit any proof/ paperwork. I didnt know about submitting anything extra till I called them to ask why the credits were reversed and I dont think I should be held liable for that since the site has numerous glitches Ive even seen myself.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. 
MY NAME/ RECORDS should NOT be involved in this debt, regardless. 
The Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it. 

Even worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this. 

This Account is one of these RETALIATORY DUPLICATIONS.

These Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes XXXX 

Therefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.

I reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well. 

BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an XXXX ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off. 
The Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.

All the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.
Consumer complaint received 2021-04-16
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. (LA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I went to XXXX  XXXX XXXXXXXX XXXX XXXXXXXX from XXXX. I racked up over {$100000.00} of private and federal loans. XXXX  XXXX  XXXX promised us they would become accredited which never happened, and left me high and dry after i graduated with no support for finding a job. 

The Department of Education recently found XXXX  XXXX XXXX of fraudulent and exploitative practices and discharged my federal loans. 

Navient services, my private loans. I have called them numerous times over the years, asking for my private loans to be discharged, and my money returned due to multiple attorney general and legal investigations proving that they are literally servicing fraudulent lo I want all of my money to be paid back to me from Navient, and all credit reportings are annulled. This company has ruined my adult life and continues to take my money and thousands of other students who were duped. They are complicit in this fraud.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I am being harassed & having my Credit destroyed by a Collection Company for an Automotive Insurance Bill I DO NOT OWE, allegedly from XXXX XXXX XXXX XXXX. 

Considering 1 ) I DO NOT OWN an Automobile in MY NAME for several years now, & 2 ) I live in a DIFFERENT STATE than the alleged Account, & 3 ) I have NEVER had an Account with XXXX XXXX XXXX for Auto Insurance personally in MY NAME since I DO NOT OWN AN AUTO IN MY NAME, this is clearly NOT my Account & I should NOT have it on my Credit Records. 

I therefore pray to the CFPB for Resolution of this Matter, & all applicable Federal remedies/penalties against said Collection Company for continuing this FALSE reporting against me, despite several attempts on my part to resolve it which were ignored. 
I also reserve the Rights to Legal Action Against said Collection Company ( ie. lawsuits ) & State Attorney General Office Actions in my own State ( which is NOT the State in question ). 
I also grant permission for the CFPB to publish & utilize my Information to protect others from the illegal actions of XXXX XXXX XXXX & possibly their Client acting upon known defective information.
Consumer complaint received 2021-11-18
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. (TN)

i am victim identity theft. i was a part of the Equifax data breach and also had my identity stolen on a local level. do to these actions i have had choric amount of fraudulently opened credit cards, car loans, bank accounts and other open without my permission. i reach out to express this to Equifax and to no avail have they tried to rectify the bogus information appearing on my report with is causing me finical and mental anguish because its not allowing me to handle business to take care of my family
Consumer complaint received 2021-11-18
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 (CA)

I made a purchase using my Capital One credit card ( card # XXXX ) on XX/XX/2021, for a handbag from XXXX XXXX online for {$870.00}. After received the product I did not like the quality of it therefore I decide to return it back to XXXX XXXX, I requested a return shipping label from XXXX XXXX  via email. I then followed the instruction packed the handbag and dropped it off at USPS on XX/XX/2021 to return the product back to ( XXXX  ), after patiently waited for over XXXX months ( XXXX  ) still have not refund me for the return. I reached out to ( XXXX  ) by phone for numerous of time for refund, I was promised for a refund each time when I called ( XXXX  ), but never receive any refund. I contacted Capital One on or around XX/XX/2021 for a dispute of the charge ( case # XXXX ), I have response to each of the dispute letter from the credit card company and provided all documents as needed. 
At the end the credit card company sent me a letter on XX/XX/2021 stayed that they are unable to help me due to lacks all the previously requested information, when I have provided all documents as requested. 
The return package was lost or stolen during the transit, I told Capital One that XXXX XXXX should file a claim with USPS through insurance. Since the return shipping label was not pay by me and I have no right to claim insurance, it is out of my hand. 
I have followed the return instruction from XXXX XXXX  thoroughly, provided all documents, but it was ruled out in the merchants favor and consider the case closed. I believe I should not be responsible for the lost or stolen of the return.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I need to close my checking account XXXX current balance {$0.00} XXXX and tried to do so online and over BBT 's XXXX number but couldn't get through. I called my local branch and both the customer service representative and branch manager told me I would have to either come to the branch in person ( I don't feel safe doing so ) or to send in a notarized letter XXXX which costs money ). 

If BBT can open my account with online signatures, I should be able to close my account with online signatures or over the phone at the very least.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

I submitted a payment using a negotiable instrument on XX/XX/2022 it was delivered to the company on XX/XX/2022 I called XXXX ( XXXX ) XXXX on XX/XX/2022 they verified they received the payment and XX/XX/2022 and I was speaking with a supervisor and was placed on hold for over 45 minutes and I was hung up on at that point. This company is in violation of UCC 3-603. I've tendered a payment to the PAYMENTS Marked PAID IN FULL Address of XXXX XXXX XXXX XXXX XXXX TX it was accepted I never received the negotiable instrument back in the mail my account was not credited in the amount of {$5200.00}. According to federal law listed below this company is now in violation and is subject to fines and penalties due to fiduciary fraud.

UCC 3-501 Presentment UCC 3-502 Dishonor UCC 3-604 & 605 Discharge by cancillation or renuncation & discharge of indorsers and accomodation parties.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XXXX MAIL ORDER VICTIM!! I purchased a dress online from a XXXX clothing website for {$49.00} using my paypal wallet. After waiting almost 2 months, I was the victim of a bait and switch scam where a merchant from XXXX sent me a cheap replacement ( underwear ) instead of the dress thar I had ordered. I complained directly to paypal based upon their Money Back Guarantee. The merchant, upon contact from paypal, stated that they would refund me the purchase price only if I ship the replacement back to XXXX. The shipping costs would require a further investment of more funds which is a " no win '' situation for me.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

In XXXX I had a roommate who I thought was my friend, she said that she wanted to use my phone to apply for a loan, I never thought anything of it. She knew alot of my information because of helping me file my taxes, she said she wanted to apply for a loan but needed a debit card to have the money sent to so I let her, never thought anything of it again until now. Here we are months later I am enrolled into college full time, I had literally just received my financial aid money and was about to pay for classes and things I needed and some direct deposit was taken out of my account for XXXX. I am frantic because 1, they have never tried to charge my card before and 2 I didn't know what it was for. I contacted my bank, and then I tried contacting her once I figured out where it was coming from. I was able to send a code to my email and sign into the account which she also got cards mailed to at her address. I have screenshotted everything as well for proof. I contacted the people called XXXX XXXX XXXX, let them know and they said they can't reverse instacash payments. I was able to see the amount that she had took out and it was XXXX dollars, yet they took XXXX out of my account. I don't know what to do. I contacted my bank while the transaction was pending but now had already gone through and I'm panicking because I need to pay for my classes. They also called me XXXX at one point thru the emails and I don't even know who that is. And the address on the account is not mine. I live in XXXX Texas. I bank with chime, and the people who took my money are XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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. (OH)

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
Experian, XXXX XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXX Experian- XX/XX/XXXXXXXX XXXX XX/XX/XXXX High XXXXXXXX XXXX XXXX {$26000.00} Experian- {$26000.00} XXXX XXXX$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off Experian-Unpaid balance reported as a loss by the credit grantor. 
XXXX off account Auto Date Last Active : XXXX Experian- XX/XX/XXXX XXXX Date of Last Payment XXXX XXXX Experian- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Consumer complaint received 2021-11-18
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the account. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Please delete this account : ( XXXX XXXX XXXX )
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (WA)

Wilber & Associates PC is demanding payment from me ( or my insurance company ) on behalf of XXXX XXXX stating " Our client is seeking reimbursement from me as a result of the incident which occurred on claim date ( XXXX in XXXX XXXX, Oregon. Their Client Claim number XXXX. The amount of the claim is {$5500.00}. There is no description of the incident! 

This is a completely fraudulent claim which they have engaged in with others repeatedly per your files and other reports from XXXX throughout the US! I have never been in XXXX, Oregon on that or any other date. I have not contacted them because I don't want to give them further opportunity to harrass and threaten me. 

Thank you for your assistance in resolving this and hopefully taking legal action for this clear scam which undoubtedly frightens some people into paying money they don't owe.
Consumer complaint received 2021-05-10
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. (NY)

I would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.
Consumer complaint received 2021-11-18
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. (OH)

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, Equifax XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXXXXXX XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX High Credit : XXXX {$26000.00} XXXX XXXX$26000.00} Equifax- {$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
Equifax-Charged off account Auto Date Last Active : XXXX XXXX- XX/XX/XXXX Equifax-XXXX Date of Last Payment XXXX XXXX XXXX- XX/XX/XXXX Equifax-06/01/2019 The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

On XX/XX/ XXXX  I sent a debt validation letter to CREDENCE RM XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that CREDENCE RM have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy. 

Re : Account # XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract with me and your company CREDENCE RM, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all consumer reporting agencies who have received a copy within the last six months, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX XXXX Zero out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$0.00}