davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX   , preventing me from using the bill pay or electronic transfer services provided with the account. I requested further information regarding an ACH Debit on  XX/XX/XXXX     as it had no identifying information, and it would have been impossible for me to initiate the transaction electronically. The ACH was for {$4000.00}. To date I have not received any information regarding this ACH debit.  <P/> Additionally, USAA charged me an {$8.00} fee to send me a check to provide the funds which were held in the account for months. As they closed they account they should have provided my funds without a service fee and as soon as the account access was restricted.
Consumer complaint received 2021-03-26
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: WELLS FARGO & COMPANY (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX, XXXX, Inquired on XX/XX/XXXX. 
XXXX, Inquired on XX/XX/XXXX. 
XXXX XXXX, Inquired on XX/XX/XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 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 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 2023-01-11
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. (MO)

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

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Consumer complaint received 2019-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC (TX)

In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency Reliant. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a XXXX  illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This company XXXX XXXX I, XXXX appears on my crdit report trying to collect an amount of a XXXX  that I never open dated on XX/XX/2018 .... ( see attachment ) This company, XXXX XXXX I, XXXX have all my personal information with out my concent.
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp. (MD)

On XX/XX/2019, I went to get my car to get to work. My vehicle had been repossessed without my knowledge. I called the leasing company and was informed that my vehicle was repossessed by the company for a delinquent balance owed. On Monday the XXXX of XXXX I spoke with XXXX a respresentative for Fair who collected a payment in the amount of {$340.00}. I also told him that I would be making an additional payment on Wednesday the XXXX, after the {$340.00} clears. He put the payment through and also mentioned to me that he would send the an email to the office in New York about the additional " miscellaneous '' to get it corrected. Never in this conversation did he mentioned to me that my car was in repo status. His statement was that this would put my account in 14days behind, giving me the couple of days to make the remaining payment, in the week which would total to {$570.00} for that week. It is now the XXXX of XXXX and my car is reported as repossessed. I spoke with a representative of Fair Inc., who after learning of what happened, transferred me to her Supervisor, XXXX. I explained the entire event to XXXX, and she had informed me that the payment that was made on Monday didn't post to their system, even though it cleared from my bank account. After hearing this, XXXX said that she'd call me back after looking into this matter. This was all at XXXX on XX/XX/XXXX. An hour and a half goes by, and around XXXX I call back. XXXX, a representative with Fair Inc. answers, and I share with him the story of what's happening. He emails his supervisor, XXXX who responds back to him to tell him that although they found that is was a misinformation and miscommunication on their end, there is nothing they can do. The result was that I am responsible for the fees that the towing company, the miscellaneous fees that have still not been looked into, and lastly the full payment on the vehicle which is what I've been paying on for the last two and a half years. This company has been poor in their role of accountability and I would NOT recommend ANYONE doing business with them, as the integrity lacks. I still wait for the call from XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NJ)

I received my consumer report from XXXX XXXX XXXX. I let all three credit bureaus aware of the transaction not being mine and the bank accounts. However, this is prohibiting me form opening bank accounts and it was not my fault. I lost my drivers li9cne and passport last year and I think it is catching up to me now and it is not my fault. someone has my identity.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (CA)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 I became a victim of a scam after receiving a call from a woman who impersonated Chase Bank. She informed me that my bank account had been compromised. I became wary and asked for verification that this was indeed my bank. The person on the phone knew all of my information which led me to believe it was Chase. They informed that I would need to make a wire transfer to verify my account since a hacker had compromised it and was attempting to wire {$3200.00}. I was sent a verification code and provided login credentials during which the scammer added a fake recipient in my account under the name of redeposit and instructed me to wire {$3200.00} to myself. After the wire transfer had been completed, the person on the phone stopped responding and I immediately hung up and called Chase, where I was informed that I had been scammed. I spent over XXXX hours on the phone with different people from Chase, who took down my information and I was advised that an investigation would be initiated and my funds would be recalled. I was never informed that I had the ability to initate this recall myself nor was I given any information regarding the bank account that received my funds. I conducted multiple outreach calls to Chase in an attempt to receive updates and inquire if I could do anything on my end. Unfortunately, my case was closed because they deemed that this was not a case of fraud. Time and resources were wasted trying to prove whether this was fraud or not when I described on many occasions what happened and informed of the voluntary transactions made under the pretense that I was indeed speaking with Chase. I spoke to a supervisor who advised that the case could be re-opened if I submitted reports showing that this wire transfer was made to a fraudulent recipient. I submitted a report to the FTC and was going to submit a police report, until I was advised by a Chase associate that this would not change the outcome of my case. This same associate confirmed that the recall from the bank was initiated nearly XXXX hours after I contacted chase to report the incident. I do believe that the bank was negligent in prioritizing the recall. Their response was that they were unable to get in contact with the receiving bank ( XXXX weeks later ). And as mentioned before, I was never once informed that I was able to complete this recall myself on the mobile app which could have increased the possibility of retrieving my money. I have asked to escalate my case and am still waiting to speak to a supervisor.
Consumer complaint received 2019-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

Santander charged off my loan at only 60 days past due without any notice. I was informed by XXXX XXXX in XXXX. In XXXX I contacted them by email explaining my financial hardship and got no response back by email. Over the time my loan I paid always on time a few times I was a few days or wk late and they would threaten me with a repo. They told me I can not refinance my loan even though I was current at the timE. About a week or two ago a tow truck shows up at my house and gave my daughter a business card with case number and my name. I thought this was shady. Ive had some repos in the past and they dont notify or come during the day. Needless to say I have the vehicle tucked away till I hear something legitimate. I know most repos dont occur till after 180 or more days late and a charge off or closing doesnt happen till they have possession of the vehicle. Atleast where Im originally from thats how we do things.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2021-09-11
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. (FL)

XXXX XXXX XXXX which is the underlying corporation for XXXX XXXX XXXX claims that as of XXXX no payments have been made however below is the information that was on the back of my XXXX check number XXXX written on XX/XX/XXXX for the amount of {$180.00} deposited into XXXX XXXX XXXX and check XXXX written on XX/XX/XXXX deposited into XXXX XXXX XXXX. I disputed it with Experian which is the credit agency that I use to keep tabs on my credit report. XXXX XXXX XXXX is failing to report proper payments made for my XXXX XXXX XXXX clean me no payments have been made even though I have copies of the deposited checks. Since they fail to recognize the payments which I have made and of proof via XXXX deposited checks into their account I don't know if it is considered theft since they are claiming I owe money paid and they refusing to acknowledge the payments however they have kept the money or if it's fraud for lying that they have not received the money again when I have copied of the XXXX deposited checks into their accounts. 

Claims payments not made have copy of checks deposited in creditors account XXXX XXXX XXXX XXXX for {$180.00} on XX/XX/XXXX check XXXX & XXXX for {$150.00} on XX/XX/XXXX check XXXX
Consumer complaint received 2019-11-10
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. (NC)

XXXX  agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Target agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned accounts.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I filed a dispute about an incorrect address to Equifax. It is an address from XXXX to a place that I have never even been to on the opposite side of the country. In fact I had never even visited this state until XXXX. Equifax agreed on XX/XX/XXXX, and said, " We have reviewed the former address. The results are : The disputed address has been deleted ''. Problem is we are now XX/XX/XXXX and the results have not been deleted from Equifax. 
I called In XXXX and they claimed it should be off by the next month because it can take 30 days. I have waited patiently for it to be removed. I checked today and it is still there. I called today and was told it can take 90 days. But I should probably start a new dispute even though I have a copy of a dispute saying is has been deleted! I asked to talk to a supervisor, but one was never available. After over 40 minutes on the phone I gave up.