davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX myself ( and I'm sure other members ) received an email from USAA stating " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. This information is for your awareness only and you do not need to take any action. 

About your restitution payment You will receive a restitution payment of {$180.00}. Affected members with an active USAA Bank checking or savings account will receive a direct deposit into their account. Members who no longer have an active account will receive a check. 

This payment is being provided in accordance with the terms of the consent order issued by the Consumer Financial Protection Bureau on XX/XX/XXXX. The amount of the payment was determined in coordination with the CFPB. 

Timing for your payment We will be working with the CFPB on the restitution process in the coming months and while we can not provide an exact date for providing restitution payments, please know we are making every effort to get this payment to you as soon as possible. '' This is going on the XXXX month and I still haven't received payment. I've spoken with managers and someone in the CEO 's office about this ( and related to another open CFPB complaint ) and was stated they were trying for XX/XX/XXXX. The delay I'm sure is due to the XXXX dollar fine they had to pay recently on another case, but nonetheless it shouldn't take 3 months to pay what you guys ordered them to. 

Please advise.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (NC)

I received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (OK)

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX June 2022-October 2022 XXXX XXXX XXXX 2022. XXXX XXXX XXXX XXXX June 2022-October2022 15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Someone took out a XXXX  XXXX credit card with my name and address but wrong birth date and email. 

I found out a credit report was done while trying to take out a new vehicle also in XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX The original balance is {$8000.00} my account was Legally paid in full for less than the full balance and my document from XXXX proves this information to be valid and true. Transunion is reporting something completely different.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

Recently I contacted XXXX XXXX because there was an XXXX inquiry I did not authorize. During the dispute process XXXX XXXX Accidentally disputed Upgrade a Inquiry causing Upgrade to suspend my lines of credit. Please be advised that this was an error on XXXX XXXX and I am not disputing any of my upgrade accounts in fact I would like my lines of credit reinstated as you can see I have made payments on both lines of credit and credit you have my verified information During the application process. Please remove my account from the dispute department as this account these accounts are not fraud they are valid and I would like the reinstated.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (CT)

After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: DISCOVER BANK (GA)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have not had a resolution to my complaint about my account from Mohela about my account balance or refund! I have called several times and send several emails. I received a response today on my Mohela account and here stating that my issue was resolved and here that my claim has been closed. Not resolved and no timeframe was given as to when I will receive a real answer. Anytime you call the customer service number you are given several different answers. I would like a real answer! How long can you possible need to get an answer? I have been on this since XX/XX/2023!
Consumer complaint received 2018-01-30
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. (NJ)

as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (GA)

My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 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. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation 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 General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : XXXX 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 a account without 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 more than 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.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER XXXX XXXX. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX PAYMENTS REPORTED ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS XXXX U.S.C XXXX section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : Its also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 more than 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.
Consumer complaint received 2022-03-31
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. (CT)

I contacted you in XXXX and did not receive a response to my dispute or an updated credit report. I am again demanding a DELETION on the inaccurate information you continue to report and I'm submitting new information as well numerous Metro 2 Violations
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX  XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (CA)

I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 more than 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.
Consumer complaint received 2021-07-09
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. (NV)

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report.
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TN)

I paid a portion on my XX/XX/XXXX payment of {$150.00} on XX/XX/XXXX. I called on XX/XX/XXXX to pay the remaining of my XX/XX/XXXX payment of {$250.00}. In total my payment is {$400.00}. I noticed that it was stating that I still owed {$150.00}. I call a representative on XX/XX/XXXX and stated the {$150.00} should have gone to my XX/XX/XXXX payment. She said she was reapplying to the payment so it would all be taken care of. Fast forward, one week later, I noticed it stated I still owed {$150.00}. I called again XX/XX/XXXX, the representative stated that she would also reapply my payment of {$150.00}. I asked how long would it take to see this change on my account. She stated two business days. Well here it is XX/XX/XXXX. My account is still showing I owe {$150.00}, along with late fees now. I've called numerous times. Every time I call, I get an automated recording stating they are experiencing high call volume at this time and the lines are busy or that their system is down. I've submitted 3 complaints online through my account. I've received 0 responses.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (FL)

I was charged {$12000.00} dollars for my driveway to be paved and within 4 months it started creating potholes and caving in on the sides. I contacted the contractor and they would not fix the issue. I contacted credit card company with pictures and statements and they reversed the refund and ruled against me.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Dear Experian I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.
Consumer complaint received 2016-06-19
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blueshore Recovery (TX)

I did a settlement for {$1900.00} for 12 months with BlueShore Recovery for a debt with XXXX payday loan. I paid {$750.00} and missed my XXXX XXXX payment due to change in my debit card due to an identity theft issue. I got a letter on XXXX XXXX from a whole other Debt Collection agency about the same debt but for {$2500.00}. Come to find out they transferred my debt to some one else and didnt call to ask why i missed a payment or anything. They were going to keep the {$750.00} i already paid towards my debt without transferring it over or telling this other collection agency of what was agreed and what i already paid off.
Consumer complaint received 2017-11-19
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. (IL)

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.