davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (IN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter. 
Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Every month I deposit {$2000.00} into my account at usaa which the check is written to me on a usaa account. Every month they only allow me to get XXXX then place a 10 business day hold on my account which causes me to not to be able to pay rent utilities and buy medicines and groceries. My rent is due on the XXXX and I XXXX  XXXX dollars for wvery day that that XXXX dollar rent isn't paid. That's usually XXXX XXXX dollars extra in rent i have to pay because usaa will not allow me as a veteran on a fixed income to access my funds. I'm literally going broke and without electricity or water or food or meds every month now for 5 yes. They say it can not be released however 3 months ago I got so fed up with this XXXX  I called 27 times until I was transfered to a manager by the name of XXXX and he.told me.that at anytime funds can be released with a simple push of a button or two and he stated that if ever I was denied my funds to know that the location I had reached that day that wouldn't allow it to be released is only using that method at that contact center to drive up profits by keeping the funds of depositors on hold. Today I reached a lady by the name of XXXX at extension XXXX she refused to give me the contact center address or number only her extension. She begins to tell me.her policy and.procesure of why it is right for her not not allow me to access funds I put I nto my account. I asked to speak to her manager and she just kept repeating policy. I asked her if she only gets a percentage of her pay or is she allowed to get her whole paycheck or is she gets enjoyment of causing me to be forced to pay extra on my rent resulting in no food no electricity or.meds etc..she said their policy was.. 

That's when I lost it after asking for her to transfer me.to her superior and her not doing so I advised her I would be making a complaint again she wanted to talk policy.. 
It seems the policy is as XXXX described. To make.profit off of deposits placed in ones account by holding those funds XXXX resulting in usaas customers, Veterans and services members, being forved to go without needs being met or in higher bills resilting.also in bounced payments from insufficient funds and.cause fees to accumulate. This is wrong in every sense of the way. Please help us and stop Usaa from holding funds XXXX and let the XXXX 's of these contact centers know we won't tolerate it. I asked XXXX if I could bring my children to her home for.food when we were unable to buy them.food she said to me of course not thats ur responsibility ... .I hung up the phone because obviously She is bought into the idea that profit is ok even if it means hurting those that fought for her right to be a XXXX XXXX. # releasethefunds
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

XX/XX/2021 BBVA CLOSED SIMPLE BANK APP AND TRANSFERRED CUSTOMERS TO BBVA with instructions to register new online account with BBVA.

I HAVE TRIED MULTIPLE TIMES TO CREATE MY NEW ACCOUNT WITH NUMEROUS ERRORS AND UNABLE TO REACH VIA CUSTOMER SERVICE
Consumer complaint received 2020-07-30
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: Phoenix Financial Services LLC (NC)

In XXXX of 2020, I had a collection agency, Phoenix Financial Services ( " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified PFS and XXXX, however no change has been made to my credit report.
Consumer complaint received 2018-12-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone
Consumer complaint received 2018-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (OH)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

I called up my loan company Rushmore Loan Management during the month of XXXX they advised that they would give me a loan payment plan of 12 months and that my first payment of {$2700.00} would be XX/XX/2022 and said that I would be getting my letter to what was said and agreed as of today 's date I never got the letter and called on XX/XX/2022 and advised them that I needed a 1098 because I had no way of printing the document. As I was speaking to the rep I then find out from the rep that this was denied cause I did not make a payment XXXX I was never told to make a payment XXXX therefore how could I have known when it was agreed to pay {$2700.00} beginning XX/XX/2022 and I was never given a letter to this affect I am now told that I needed more money when it was already agreed to the amount and the payments to be paid over a 12 month period beginning XX/XX/2022. Mortgage company seems to not remember what is agreed and reps want more money than agreed in order to avoid calculating the 12 monthly payment plan. Mortgage company is keeping the customer in the dark on the status and at the last min wanting more than what is agreed in order not to do paperwork to assist customers. Mortgage company continues to keep customers in the dark with no notification of status as it is verbally agreed on a recorded call. No one wants to agree to something then be surprised, this is exactly what is happening with this company the customer can not do a payment when they are not aware of a payment then be penalized when the rep who works for the company told the customer when the next payment is going to be on the scheduled payment plan it makes the company look bad and affects the trust that customers give which now is at a all time low because the company is not doing what is said even though they are being recorded.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (MA)

I am using Chase Sapphire Reserve and I have filed a Trip Delay Claim on XX/XX/2022 for {$500.00} using Card Benefit Services. They got back to me once asking for additional documentation I had originally submitted, which I have sent over promptly again. After that, they have disappeared despite my many emails and calls un-answered since then. Very frustrating experience.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (WA)

On Thursday XX/XX/2018 I went to Key Bank to withdraw money from the ATM at the branch on XXXX XXXX XXXX WA. I pulled up to the ATM and inserted my Optplus visa card and began the transaction. I had used this card dozens of times with no problems. This time the ATM said my transaction was declined, but did not give me a reason as to why. I went into the bank and explained what had happened. I was told that this was not the first time the ATM had " eaten, '' tellers words a credit card that was not Key Banks. That was bad but what happened next was worse. I said I did not want to get more overdraft fees and asked if I could do a bank transfer and was told no, the bank did not do that. I was referred to the bank MGR. I explained what had happened and he said there was nothing he could do. I explained that it was KEY BANKS faulty ATM machine that had eaten my card and he said basically too bad! I closed my account there and then. No one even said they were sorry! Worst customer Svc!
Consumer complaint received 2022-11-03
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. (CO)

Both my husband and I were tremendously impacted by the pandemic Covid. As I understand it this is considered a natural disaster. Not only did I lose over XXXX XXXX of my income but my husband was also diagnosed with stage XXXX XXXX XXXX in XX/XX/1920. With mounting medical bills and a lack of income we have done our dead level best to stay current with everything that we have. It seems that accommodations have been madev for most on their credit reports however ours seem to be impacted. We have been consistently in contact with our creditors and paying as much as we can. I would certainly hope that there is some sort of compassion for the pandemic and a life-threatening illness where these remarks can be removed from our credit scores or our credit bureaus so we are not so severely impacted. I am attaching a picture of my husbands diagnosis with the XXXX XXXX  that were found On his colon after a clear XXXX  only XXXX year before. He had done all the pre-requisite screening and the doctors are amazed by the anomaly of my husband having a stage XXXX XXXX XXXX with a clean XXXX a year before. I would appreciate any help we can get
Consumer complaint received 2023-03-22
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: Wallace Management Company, LLC (TX)

I CHECKED MY CREDIT REPORT AND I SEEN THIS INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE A IDENTITY THEFT ALERT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO MAKE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL nquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-05-08
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: Exeter Finance, LLC. (CA)

An inquiry was placed on my credit report on XX/XX/XXXX in which I personally never applied for from this Company. Nor have I ever heard of this organization. I reached out to this company on XX/XX/XXXX and was told inquiry would be handled. I never received any documentation and inquiry is still on my report.
Consumer complaint received 2018-05-07
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. (LA)

I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.
Consumer complaint received 2018-05-07
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. (LA)

I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.
Consumer complaint received 2018-05-07
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. (MD)

I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.
Consumer complaint received 2018-05-07
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: EQUIFAX, INC. (NC)

I disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.
Consumer complaint received 2022-07-22
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. (IN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Consumer complaint received 2022-03-02
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: Helvey & Associates, Inc., Warsaw, IN Branch (NY)

Helvey Associates are reporting a fraud account on my credit. I didnt open this account nor did I utlize it. Someone used my personal information to open an account that eventually was transferred to Hevel Associates. I paid Helvey Associates {$100.00} with the agreement that this account will be remove from my credit. Despite the payment the account is still reporting. This account was NOT mine in the first place and thus I am requesting the removal of this account from my credit. Please see the attached FTC report and my driver license and remove this account from my credit
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (TX)

I was forced to take a predatory loan that claimed to offer 90 day XXXX interest. After one late payment all the XXXX interest terms went out the window. I have since paid the debt in full and even over paid. They now refuse to refund me without reopening the account. They obviously do this to trap me into a never ending cycle of interest and fees. I have attached today 's email exchange. 
To XXXX : Refund the {$95.00}. Stop making things. difficult Stop scamming people.