davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

I am reporting Navy Federal Credit Union, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. The card is locked but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX  per their instructions. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. XXXX, 3. XXXX, 4. XXXX, and 5. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Consumer complaint received 2022-12-20
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. (OR)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to you regarding investigation results based on information provided to Transunion. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with XXXX XXXXXXXX XXXX that it is an error within their processes and yet Transunion is unable to correct this reporting. I find this unacceptable and ask that Transunion provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from XXXX XXXXXXXX XXXX to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (GA)

There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check. 
The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment. 

Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice. 

My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check. 

XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check. 
I told them this was the second identical mistake in less than a year. 

I am concerned this same issue could go undetected by other Target credit card holders. 
At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. I have requested 3 months ago to provide the original wet signature contract between Me and XXXX XXXX XXXX, also license to collect a debt in my state. Including the license number and the name on the license to collect a debt. Equifax removed the item and 10 mins later XXXX XXXX XXXX reinserted the item. I demand permanent deletion of the negative item.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MI)

I received an alert from a credit monitoring company, stating that a new collection was added to my consumer credit report from Credit Collection Services in the amount {$78.00}. Credit Collection Services list the account as opened XX/XX/2023. I have never opened an account with Credit Collection Services, nor did I give Credit Collection Services permissible purpose to access my consumer credit report.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc (NY)

On XXXX XXXX, XXXX a man named XXXX XXXX from " National Service Bureau '', XXXX XXXX XXXX called from phone # XXXX. He stated that he was calling on behalf of XXXX XXXX XXXX XXXX XXXX in XXXX, NY to collect {$19000.00}. My Mother was a resident of XXXX for 22 months before I was able to find an apartment in my local Senior community in XXXX XXXX. During my Mother 's residency at BV, I paid rent every month ( paid invoices to show ) and am dismayed at the manner in which Senior Assisted Living Facilities in this nation are permitted to operate. 
Since I hired and paid XXXX independent XXXX care for my Mother in addition to paying BV rent, where did these suspicious charges come from? 
After moving my Mother out from BV in XXXX XXXX and in the XXXX of being pro active, I contacted the CEO 's office of XXXX XXXX Assisted Living in XX/XX/XXXX to learn of these questionable charges and spoke with the ASST. XXXX XXXX XXXX. In a cooperative effort and at XXXX 's request, I forwarded all email correspondences between the previous BV XXXX, XXXX XXXX and myself dated XXXX, XXXX. XXXX confirmed the receipt of said correspondences and stated, " let me contact the regional VP of XXXX and we'll get this sorted out ''. Months passed without any further communications between the BV CEO 's office and myself, so I was under the assumption that the matter was resolved. By engaging the services of a collection agency was her idea of a resolution? 
XXXX XXXX, from XXXX, threatened to collect the fictitious amount of {$19000.00} by stating, " I know you have property! '' With my XXXX newly deceased a month before, and the negligible treatment at XXXX during the XXXX out break, XXXX XXXX 's threats to collect were the limit! 
I thought threats from a collection agency were against the law? 
Please advise.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had numerous issues with Transunion beginning with the purchase of a new home. I had attempted identity theft and fraud on my bank accounts, therefore I placed freezes on all three credit bureaus. All but Transunion went smoothly. I placed the freeze on XX/XX/2024. On XX/XX/XXXX, I had to shop for homeowners insurance for my new home and of course the freezes prevented me from doing that. So, I attempted online to remove freeze temporarily and transunion gives me an error message to call in. I call in, answer all of the computer identifying questions, name, XXXX, ss #, addresses, etc. which all takes about XXXX mins. Finally placed on hold another XXXX mins to speak with a real person. The live person again identifies my by asking me questions which I answer him, only to be told that there is " a system glitch '' and I have to mail in a letter to have freeze removed. Even though I answered all questions correctly, identified myself, gave them my ss #. So, I call in XXXX more times after and all representatives tell me the same thing, they can't help me and I will have to mail in a letter. This is illegal. I had only XXXX day to purchase homeowners insurance and this has created a huge problem. I should have access to MY OWN credit at all times without them creating roadblocks and more trouble for me. And when I ask to speak with a supervisor they happen to be " the supervisor. '' I should not have to mail anything in to take care of business FOR MY OWN CREDIT.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have these Erroneous hard credit pulls From Transunion that I have reached out about numerous times that were suppose to be off of my report and are still their I want these Erroneous things Deleted off of my credit Report immediately!! They are as follows ..... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Driveway Finance Corporation (TX)

Please see XXXX proof is attached of down payment which company previously denied accepting. Also I will be attaching signed delivery of payoff of vehicle on XX/XX/2023 which was signed by Driveway representative XXXX. Driveway told me that the payment was never received yet it was signed for. I sent a notice to cure/ notice of dishonor XX/XX/2023 which was also signed by XXXX. My vehicle was towed on XX/XX/2023 illegally after Payment was received and signed. Driveway is committing fraud of securities while under the indenture trustee of XXXX XXXX and I will me needing the GAAP ledger on this account as fraud has been proven by showing they accepted a down payment which they said they never received or asked for but supplied documents showing otherwise. 
Attachments : Inquiry dated XX/XX/2023 Down payment receipt dated XX/XX/2023 Payment certified delivery dated XX/XX/2023 Notice of Set Off sent to Headquarters addressed to CFO XXXX XXXX dated XX/XX/2023 Notice to Cure/Notice of Dishonor dated XX/XX/2023
Consumer complaint received 2022-12-20
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been not been employed full-time since XX/XX/XXXX and have been struggling with my auto loan payments and fell behind. I was fortunate enough to find full-time employment in XXXX and have been able to catch-up payments, and am now current in the month of XXXX. I have been reviewing my past statements, and saw several instances where when I am able to make payments, I was still assessed a late fee. The payment due date is the XXXX of each month, with a grace period up until the XXXX of the same month. I was in arrears by at least a month each month I made a payment, until XX/XX/XXXX. 
The details of the months where I was assessed a late fee, despite my paying on time for that month are as follows : 1 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 2 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 3 ) In XX/XX/XXXX, I made two payments ( XXXX and the XXXX ), yet was assessed a late fee on the XXXX 4 ) In XX/XX/XXXX, I made a payment on the XXXX, yet was assessed a late fee on the XXXX 5 ) In XX/XX/XXXX, I made a payment on the XXXX and made another payment on the XXXX ( to finally get caught up ), and yet was assessed a late fee on the XXXX. 
I called Bank of America and asked why I was being assessed a late fee in the above months, despite making my payments within the grace period. I was told that because I was in arrears, my payment were applied to the month ( s ) I was in arrears, which still makes my current month payment late and was assessed a late fee. This in effect charges me a late fee on top of a late fee, since despite the month 's payment was made on time, the application of the payment received to my past due from prior month ( s ) makes my current month payment negligible.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I recently discovered that {$220000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. I asked for this information and Wells Fargo failed to send me any information or statements fro XXXX  through the present. Also, Wells Fargo claimed that monthly statements were mailed to me, but none were. And Wells Fargo failed to produce any of the monthly statements allegedly mailed to me.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is reporting closed and paid in full WalmartCapital One card to all credit bureaus XXXX, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that capital one gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.
Consumer complaint received 2022-12-20
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.