davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/2019, I received a letter from XXXX XXXX XXXX, Assistant Vice President, Member Debt Solutions,  USAA Federal Savings Bank that my account was past due. I immediately contacted USAA Federal Savings Bank. I had spoke to 3 different customer representatives. First of all, XXXX informed me that USAA placed a fraud on my credit card for XXXX payment which caused me to affect my credit scores. Secondly, I then contacted USAA, and talked to XXXX and she confirmed that the funds were released and apologies. That, the bank had the funds which was supposed to pay for the credit card payment. Thirdly, I then talked to XXXX from USAA banking department and she informed me that the XXXX payment was received. On XX/XX/2019, USAA reported my account to the credit bureau which NEGATIVELY affected our credit scores. While my daughter reported to USAA of a fraud on one of her accounts. She had to wait for USAA to reimburse her account. The credit card which she was making payments via online on a monthly basis for the month of XXXX and XXXX was stopped by XXXX XXXX due to the fraud probably at a gas tank reported by our daughter. USAA charged 2 payments in the amount of {$240.00} on XX/XX/XXXX. USAA returned one payment on XX/XX/XXXX and XX/XX/XXXX. I had received a letter that a payment was not made. So I contacted XXXX XXXX, and was informed by the banker that payments were stopped due to reporting of the fraud coming from USAA. Subsequently, USAA kept informing me that payments were not made so my daughter made payments that were charged on XX/XX/XXXX and XX/XX/XXXX. My wife contacted USAA to inform XXXX that a payment plan in the amount of {$240.00} was arranged on a monthly basis. XXXX was not cooperative and inconsiderate in satisfying the customers need as she had mentioned that is the reality a payment not made. I informed her that payments made twice on XX/XX/XXXX, and that one of the XXXX payment should be applied to XXXX. But, she said I couldn't do that. XXXX XXXX stopped payments coming from USAA including the credit card that was being paid in good faith. Currently, the new balance is {$750.00}. I am a XXXX veteran, retired, and in a fixed income.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I applied for a loan modification earlier in the year. Not only was the process agonizing, I made all the trial payments. I finally received the permanent loan modification in XXXX if I remember correctly. It is now XX/XX/2019, I have NOT received any NORMAL UPDATED MORTGAGE STATEMENT since this loan has been permanently modified. Please help me obtain a normal mortgage statement.
Consumer complaint received 2022-07-15
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. (WA)

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Social Security Number : XXX-XX-XXX Date : XX/XX/XXXX File Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX/XXXX, XXXX XX/XX/XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

I wrote my husband a check which he deposited into Chase bank atm machine. The check was cashed and somehow the cancelled check ended up in the hands of a thief who washed it, re-typed it with a new amount and cashed it. The funds were withdrawn from my credit union account. 
The same thing happened again following a Chase deposit. The check was once again stolen, washed and re-issued to 2 separate thieves and cashed by my XXXX XXXX. 
Chase is clearly the weak link. Someone within the Chase institution stole the checks, washed them and re-issued them. My husband had lengthy discussions with the branch manager in XXXX Ct who was empathetic. However, it was clear that the corporate fraud department does NOT care. 
This is a travesty and makes us feel very unsafe! 

Another incident happened in early XX/XX/XXXX- My husband 's business Chase account was " robbed '' by a thief from Texas XXXX The Thief had printed checks with his own name and address but had my husband 's routing number and account number on the bottom. The thief walked into a Texas bank and the teller handed him the money. It seems that for a huge bank their security is quite flawed. 
Yes, we do have fraud alerts on the accounts but it seems to be ineffective.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my XXXX ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when XXXX called me advised me that my account is more than 60 days late. I then began a fraud dispute case XXXX. I called XXXX in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my Experian report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to Experian they said that XXXX has to remove this from their billing record for it to not show up on my credit report.
Consumer complaint received 2022-03-15
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. (OK)

I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Consumer complaint received 2019-09-11
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: AMERICAN EXPRESS COMPANY (MI)

o Whom it May Concern, I am writing regarding a corporate account with American Express. The original balance on this account was approximately {$82000.00}. In the last couple of years, I managed to pay nearly half of this balance, however, in the last few months, I have had financial hardship. I made American Express aware of the situation and tried to reach a payment arrangement. American Express was reluctant to help, yet attempted in good faith to come to a resolution. 

American Express kept threatening to ruin my credit and immediately transferred the account to a collection agency, which in return threatened to sue me. I had reached an agreement with the collection agency for a $ XXXX monthly payment through their financial hardship program. They promised that would reset the past due amounts on American Express and will not leave adverse information on my credit report. To my surprise, I found out that American Express reported negative information on my credit report despite reaching an agreement with their collection agency a couple of months prior to the reporting. Please see attached documents. 

I immediately contacted the collection agency and American Express. American Express claimed that they had nothing to do with it and the arrangement I made with the collection agency would not reflect positively on this account. I contacted the collection agency just to be told that it is American Expresss fault that negative reporting impacted my credit report. I requested a written document specifying exactly what my payment agreement of $ XXXX would entail. At first, they claimed the $ XXXX monthly payment would keep them from suing me. They refused to send me any letters detailing the arrangement for the {$500.00} payment while continually threatening to sue me. 

I am a victim of some sort of extortion from American Express where they ruined my credit and intimidation techniques by the collection agency to be sued, forcing me to make some sort of a {$500.00} ghost payment that is not being applied anywhere ; hence, the agreement was to make {$500.00} a month to keep my account current with American Express and reset the monthly payment for a period of 12 months. 

I am asking American Express to remove the derogatory information from my credit report since I have reached an agreement with their collection agency to make a $ 500 monthly payment prior to the negative reporting to all three major credit reporting agencies. 

Thank you for your help regarding this matter.
Consumer complaint received 2018-12-20
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. (AR)

This issue is an existing problem which EQUIFAX wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were  sent timely on the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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. (FL)

I was unable to put a freeze on my experian credit bureau with their automated call in service or online. Every time it would say the freeze could not be placed and disconnect me. There was no way to speak to a live person. I have major fraud including {$5000.00} being stolen from my bank account and multiple credit cars being open and the criminal unlocking my credit freeze with XXXX. I was able to put a security alert on my experian account. However experian still went ahead and pulled my credit for accounts the criminal tried to open with XXXX, XXXX XXXX and XXXX  XXXX. I thin today I was able to place a freeze on my experian account from a XXXX number someone at XXXX was able to give me after numerous attempts. However experian needs to be informed on my level of fraud so that the freeze can not be lifted by calling in or online ( as was done by the criminal with my XXXX account ). Also what's the point of a fraud alert? It clearly did not stop experian from pulling my credit two times.
Consumer complaint received 2019-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tennessee Quick Cash, Inc. (TN)

On or about the end of XX/XX/2019, I received a line of credit at Tennessee Quick Cash. My limit is about {$3000.00}. The problem is that I'm making almost {$800.00} per month payments and less than {$100.00} is going to principle. This is usury and I'll never pay this off. 

They are taking on HIGH daily interest as well as a " customary fee '' which is 90 % of my loan payment. I don't even know what this is or means. It's not categorized as interest.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

Hard inquires on my credit report for XXXX XXXX XX/XX/XXXX and Sears/CBNA XX/XX/XXXX. This is both Sears accounts and I have not been to Sear for at least 15-20 years. and have not applied for any credit at Sears or XXXX XXXX. Can you correct this hard inquire and have it removed from my credit report. 

Thanks XXXX XXXX XXXX S.S # XXXX DOB # XX/XX/XXXX
Consumer complaint received 2022-08-17
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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 Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 2018-12-20
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. (AZ)

Via certified mail, I have sent two requests, on XX/XX/18 and XX/XX/18, to Transunion requesting proof of validation of various accounts noted on my credit report. The responses I keep receiving are that the items have been updated or verified as accurate without providing me with proof of validation. I have also requested Transunion 's method of verification which went completely ignored. I personally contacted the creditors requesting validation in which I received no documentation to even prove that the accounts belong to me. I need to not only see the paperwork that backs up their opinion that Transunion 's is accurate, but I also need to see a detailed report that goes over the methods and procedures used during the investigation. I need to know how Transunion performed an independent investigation instead of just telling me what the creditor stated. I feel that Transunion not only failed to conduct a proper investigation, but also failed to provide their method of verification as well. 

The following accounts are the accounts in question found on credit report # XXXX issued on XX/XX/18 : XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX ( X3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( X4 ) XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX  ( X2 ) XXXX XXXX/XXXX XXXXt XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Om XX/XX/year> I called into Experian to report that due to them allowing a creditor to post a collection on my account that by experians own records had XXXX possibility of being true and accurate, I had detrimental consequences of being declined for credit bc of the fake collection and also having my current XXXX account restricted due to the serious delinquency and collection account that showed on my report when they pulled my credit a few weeks back. I simply asked then to please supply XXXX XXXX, XXXX XXXX  and any other creditor that has gotten a copy of my report a new one that reflects the updated and deleted information. I was on the phone the XXXX time with a woman for XXXX minutes who put me on hold for what she said would be XXXX minutes and turned out to be XXXX minutes and then she came back to the line and hung up, no return call. I then called back and am currently on the phone with another representative who is also in another country with a serious language barrier and no knowledge of the US laws. The call has been going on for XXXX minutes and I've been on hold again for XXXX min asking for a manager or supervisor. This representative said that they have to follow the laws of the government and they are not allowed to make creditors who obtained my report recently aware of the updated information. When i explained to them that XXXX had told me to do this and that it also states on the FTC website that IF there are any changes or updates to a credit report after a dispute the NCRA are REQUIRED to provide XXXX creditor who obtained a copy of my credit report in the last XXXX months with the updated and corrected information if I request it, he responded that he is just in the dispute department and doesn't deal with the laws and suggested that I file a fraud complaint with them and file a dispute with XXXX. Neither of those options make any sense whatsoever and contradict the policy of the FTC. This system is beyond corrupted.