davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Ive been staying with a friend of mine and that person has been using my cards and using my information, I asked her if she used my stuff she told me no she didn't but she's the only one around that would personal stuff, after I removed myself from staying with that person, so basically navy federal has not help me all from XXXX till XXXX all my money from school was used plus she's was calling in from my phone open up claims where I had to close out the account and Get a new phone navy federal has denied my claim twice regarding this issue I just want my money and that's all I have already tried to file a police report and I can't, they won't because they don't know if its her. I had to file for identity thief due to this person, also she didn't use just my navy federal she used my XXXX  XXXX and XXXX XXXX which has successfully called XXXX and told them about the transactions and they have emailed saying that they can give me a letter regarding the information and they would help in anyway to try to get back the money.
Consumer complaint received 2022-06-17
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. (MI)

Investigation Request Letter To Whom It May Concern : 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 little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if 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. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if 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 or not correct on them. 
Accounts Account XXXX : XXXX. Account XXXX : 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 XXXX : 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 XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


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

Account XXXX : XXXX XXXX. Account 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 well. 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 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NH)

I have received phone calls and payment offers from " Jefferson Capital Systems LLC. '' They have two reference numbers : # 1 is for - XXXX XXXX {$960.00} # 2 is for- XXXX XXXX {$96.00} I do not know what either account is for and I have disputed both of them via the XXXX XXXX site for that very reason. I have done this several times. When I have called JCS and inquired about XXXX they told me the phone number affiliated with it ended in XXXX. That has NEVER been my phone number, ever. I have asked for a statement or billing affiliated with this account from both XXXX and JCS and have not be provided one ever. 

As with the XXXX XXXX, I do not know what this account is and do not recall opening it. I have also asked for a detailed statement and I have not been provided one. When I call the number for XXXX  XXXX provided by Jefferson LLC, they tell me Jefferson LLC is handling it. When I speak to Jefferson LLC, they tell me XXXX XXXX is handling it. Eitherway, I have told both of them that this account is not mine and I want a statement. I have asked several times over the last several years and have yet to be provided anything. 

Recently, Ive received charge off options from Jefferson in XX/XX/2022 but these accounts are not mine so it doesn't feel right to pay them especially when money is tight. Finally, Ive called XXXX XXXX directly today to see what can be done and have been told to do this. I believe my identity has been stolen. The amount of XXXX and {$960.00} are just too close to be coincidence. Jefferson Capital told me it is a coincidence but I don't believe it. Also, I attended XXXX XXXX  XXXX XXXX, so when I saw Jefferson Capital Systems on my credit report I immediately thought it was a student loan. There are just way too many coincidences surrounding these debts. 

Both of these accounts have brought my credit score down significantly and has cost me a lot in finance charges for other accounts I've opened and not gotten better finance rates for. 

I would have been more aggressive with this but I pursue this when I have the funds to make a payment, and the time, as I have XXXX children and twin XXXX XXXX XXXX. I also thought for a while this was college debt due to the name of the collection agency. 

Please let me know what else you need.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My bank account is a joint account with my mother. My mother recently had her identity stolen and the fraudsters were creating many new credit accounts and doing many transactions in other services. On XX/XX/XXXX, my personal savings account had withdrawal sand transfers totaling to XXXX dollars. Many XXXX dollar transactions were done through a ATM and some were taken out in the branch store which were XXXX and XXXX. Since my account is a joint account with my mother, the fraudster was able to go into Wells Fargo and create new saving/checking accounts and debit cards in her name, which later he was able to change all login information to online banking and made many transaction to transfer funds out of my account into the fraudsters account which was impersonating my mother to make it seem like it was " authorized ''. I have created many claims disputing all the transactions with wells fargo but they denied me and said that the transactions were " Authorized ''. They did not even look into more evidence regarding the transaction because the fraudster is using my mothers identity in order to make the transactions. It is very clear that fraud is happening with my accounts because there was almost no withdraws on these accounts for over 2 years, and our place of residence is nowhere near where all the transactions were done. All of the fraud was happening and done near XXXX, California. The fraudster also changed the online banking accounts email and phone number the day of when the fraud occurred which clearly indicates that malicious use is happening. Another detail is that the bank has the application of the new accounts that were made on XX/XX/XXXX in branch which shows the signature of the fraudster which clearly does not match the real signature. Lastly, I have filed a police report and my mother has made credit freezes on all credit Bureaus.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

About a week ago, I went to my ATM at my bank and tried to withdraw funds. It told me that I could not perform the transaction at this time. So, I went to Bank of America and address the issue. They suggested I open up another checking account because the first one they detected some form of fraud. I did so, but the bank in their Infinite Wisdom closed both accounts. That put all of my direct deposits and auto pays in jeopardy and no one called me to tell me about what they were doing until I found out myself. I want Bank of America in Nevada to understand that they were messing with somebody's livelihood when they do this. Therefore I would like to file a complaint with Bank of America in Nevada.
Consumer complaint received 2022-06-17
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. (SC)

need to remove my personal information that i dont want on my credit report.According to fair credit reporting act 12 usc 1681.I have the right to privacy.Also according to 15 usc 6802. no financial innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lentegrity Management, LLC (TX)

My automobile servicer violated the XXXX XXXX XXXX Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices. 

They Illegally seized my car, because the dealership with whom I obtained the car from refused to honor the service warranty. The car broke down not even 30 days after I obtained ownership of the vehicle. We later found out that the car was still registered in someone else 's name at the XXXX. The XXXX also has an open claim against the dealership. My loan servicer is repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. I was not behind on my payments. They did not send a letter of notice which is required by the state of Texas to repossess a car. I never signed any paperwork stating that I wanted to surrender the vehicle. 

They are reporting this on my credit, but how is that fair. They illegally seized the car and refused to XXXX any warranty that was included in the car loan payments. 

An investigation needs to be opened against this lender and the car dealership. The have several cases and complaints open against them for their unethical practices and sloppy record keeping.
Consumer complaint received 2020-04-28
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. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (TN)

I would like to send money to XXXX XXXX savings from my PNC bank account. Many other national banks are doing this, and I would like to as well in order to help me keep my savings. 
PNC uses all sorts of digital transfers and for whatever reason is not allowing this one. I have been trying to add money to my XXXX XXXX savings for months and consistently get the error that something on the PNC end is not allowing the transfer to take place.
Consumer complaint received 2020-04-28
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. (OK)

On XX/XX/XXXX I attempted to contact TransUnion to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to XXXX  and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my TransUnion Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is XXXX.
Consumer complaint received 2022-06-17
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: LEXISNEXIS (MD)

On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 2022-06-17
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. (TX)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (NC)

I received a call from an individual who refused to identify themselves at the beginning of the call. When pressured, the party indicated they worked for Avante USA and identified the call as an attempt to collect a debt. I advised them I have stellar credit and all my bills are paid so they must be mistaken. The caller insisted I owed an unpaid medical bill which I again proceeded to correct them. I advised them I have never received any form of communication from Avante and they must be mistaken. I asked the caller to not call me again. 

Today, I received a credit alert on my credit report indicating this company had placed an account on my credit report alleging I owe {$150.00} to The XXXX XXXX XXXX despite my having informed them this was an error and I have not received any notification from them. 

I would like to point out, my husband and I work for The XXXX XXXX XXXX and its parent company XXXX XXXX. As a result, all of our bills are either paid directly or drafted from our paychecks. Attached, I have included proof I obtained from The XXXX XXXX XXXX indicating there is no balance owed and in fact, thanking me for " staying on top of my bills ''.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

When I paid off the credit card and closed the account. The creditor agreed to have ( forgive or excused as payment, paid off ). instead it has Charged off as bad debt-purchased by another lender.
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Collections U.S.A., L.L.C. (FL)

TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a XXXX   of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2022-06-17
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. (MI)

Investigation Request Letter To Whom It May Concern : 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 little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if 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. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts 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 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 XXXXXXXX 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  Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX 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. Account NumberXXXX : 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 well. 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.