davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OK)

After speaking with another representative, I was told that I must provide a letter of indemnity that could potentially relieve Navy Federal Credit Union of any culpability of illegally depositing ACH funds into an account where my name is no longer associated with the account. The Indemnity letter could potentially be used as a way to dismiss their actions should this " first step '' of submitting the letter not resolve the problem of returning my federally issued funds. I have been told that there is a policy which allows banks and credit unions to deposit without confirming the name on the ACH check/deposit. They could not provide the internal policy from which they were reading. The representative actually told me that he has no reason to lie to me. Which is shocking since he is working on behalf of a financial institution, that does not want to be held responsible for an egregious mistake. They have not been able to locate this information on disclosure statements to the public, and their internal memo and have claimed this is a federal banking issue. This has been an hour long search for answer that they were convinced is policy and something I need to " trust '' them with. Then they stopped trying to locate the specifics and said they would send me the disclosure statements and policies from the green book or federal policies that release them from responsibility. The member service representative I spoke with claimed that this is a rare situation, and they weren't entirely sure how to handle this, yet there's a federal policy for this. It isn't adding up.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan servicer is XXXX and i was supposed to have my XXXX XXXX reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my XXXX XXXX have been forgiven in full and no longer require a repayment but XXXX will not remove this loan debt from my credit report please help me out!!!
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I began received a bill in early XXXX of XXXX from a debt collection agency for monies of over {$1900.00} with no explanation at all. I was shocked to say the least. I have NO BILLS due to any person or place, especially of such a high amount. 
I wrote letter back informing debt collector that this bill DOES NOT BELONG TO ME. I said, " THIS IS NOT MY BILL, YES I DISPUTE THIS CHARGE THAT IS ASSIGNED TO MY NAME. If you had the correct person you would know this, I am not the person you are looking for and to stop contacting me for any reason. Do not contact me further. '' About 30 days later, I receive another letter from this company, saying that I requested verification of said amount, They say '' enclosed is the account summary in response to your request. '' But it is just A BILL, no verification of anything which is the problem. bill states for " XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX ON XX/XX/XXXX '' ... Now the amount has gone down to {$920.00} .... It has my name on it, nothing further, JUST THE SPELLING OF MY NAME AS VERIFICATION (? ) I have NEVER SEEN ANY EMERGENCY DOCTOR IN OVER XXXX YEARS, I HAVE NEVER BEEN SEEN BY A DOCTOR XXXX, IN ANY FACILITY, EVER. That's it, what they gave for verification was nothing of any sort of verification, it's a bill essentially saying that I AM THE PERSON WHO WAS IN THIS PLACE OR SAW THIS DOCTOR. It is NOT ME, AND NOT MY BILL! It's bare on information, no reason for being seen, no treatment, no DOB, no insurance, no signature, no ANYTHING connecting me to this bill. I am responsible person with high credit that I have worked very hard for, I do not incur bills that I do not pay. I have a medical doctor, I do not need nor have I used the services of ANY EMERGENCY PHYSICIAN. This is not my bill.
Consumer complaint received 2024-04-16
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX and XXXX, I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. Citizens Bank denied those claims. On XX/XX/XXXX I filed my first complaint with CFPB concerning the fraud on my account with Citizens Bank. Today, XX/XX/XXXX I received an explanation concerning my complaint and their investigation into my fraud claims. The company addressed the terms and conditions regarding fraud cases. I understood their stance and their investigations shows that I was involved in the transactions. What they are not addressing is the fact that there was software and communications used to pose as me while the transactions were being made. These technologies concerning identity theft are beyond my knowledge to persuade that it was not me, but I did not authorize the transactions. It's a case where I'm simply requesting that Citizens Bank retrieve the funds from whatever account that they were sent to without my authorization as it states in the terms and conditions.
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I tried to use my credit card to pay for my home heating fuel oil bill at XXXX XXXX. My card was denied as it would not authorize. I called the number ron my credit card and they told me that XXXX XXXX was using XXXX  as the payment processor. They said that they had a disagreement with XXXX  and were not accepting credit card processing from them. I asked how I could pay this ND they told me that I could not use their credit card to make the payment at XXXX XXXX. They provided no alternative like providing me a bank check. I asked why they did not inform me if this prior to trying to use my card and they had no answer as to why they did not notify card holders.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I realized there were a bunch of debit charges from XXXX to my checking account at TD Bank. The debits were small, and I only caught it because I finally reviewed the number of debits and realized that these were not from my XXXX account. I called XXXX and the charges were not associated with my account, they advised me to go to my bank. I then went to the bank XX/XX/XXXX, and they went back the 60 days and ultimately calculated over {$840.00} in small transactions were debited from my account. He entered the dispute claim, closed my debit card, and issued me a new one. claim XXXX. I received notification from the bank on XX/XX/XXXX that the claim was denied, and an error did not occur since there were more transactions during the time I reported the card lost/stolen. I called the TD Bank fraud line ( ref # XXXX ), and we realized new charges were still going through even though the original debit card was supposedly cancelled. He said to call the cops and go to the bank to get another card, since my new one was now compromised. He closed the new card. I went to the bank the next day, where the teller, called the fraud line and said they had not closed my initial card properly and it was still active until I called the night before. The teller, re-entered the dispute, claim XXXX and XXXX including the new charges, and issued me a new bank card. XXXX I received a letter from TD bank that the claim was denied again because I accessed the mobile app and should have known the charges were going through. XXXX returned to the bank and the teller placed a third dispute, now totaling {$970.00} with all the charges. Claim- XXXX. 
I called the TD Fraud dept XX/XX/XXXX spoke with XXXX and she said that since I accessed my mobile app, that I should've known the charges were going through. 
This is assumed and untrue. I had 3 accounts on my mobile app, and I did access my account, but to see if my tax return had hit my account but was not reviewing individual charges prior to the initial dispute time. I did not authorize any of the charges. There are over 50 charges being disputed from one company, and that type of activity is not common on my account either. I've never filed a dispute in over 30 years of having this account.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AL)

This was a student Housing apartment in XXXX Arizona. I signed a lease, I left when I was supposed to. I think the Company who owns the apartment, mixed my room with somebody elses or possibly one of my many roommates that I had within my lease agreement. I never signed another lease. That wouldnt even make sense, why would I have another lease in my name when I was living at XXXX XXXX XXXX XXXX XXXX XXXX Arizona, which I can easily provide documentation for. This is beyond ridiculous, I thought this would have been off my report by now. I have tried to dispute with XXXX and they refuse to take it off my report and verify it valid every time. THIS IS NOT MINE!
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I was called on XX/XX/XXXX in regard to suspicious activity on my account by a person claiming to be from Navy Federal. The phone number he used was XXXX. He sent me link to access my account when I confirmed with him that I did not pull out a loan amount of {$3500.00}. He told me that I needed to transfer that money to an account under the name of XXXX XXXX XXXX. I was suspicious of his actions, so I hung up and called Navy Federal. He called again, this time there was a {$2100.00} loan and he wanted me to send it to an account under a XXXX XXXX XXXXXXXX. 
I end up closing my accounts since they were compromised and turned in the paperwork to investigate the fraudulent actions being done on my account. When I visit my bank to follow up my claim, they give me a copy of a letter that was being mailed to me in response to my claim which stated that Navy Federal saw me as an active participant in the affair and I now owe the bank {$9100.00}.
Consumer complaint received 2024-03-27
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 (AL)

I have 8 unauthorized inquiries on my transunion report. I need them to be removed, I have no knowledge of these inquiries. 
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 2023-04-14
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)

This is my fourth XXXX 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 XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX -BK OF AMER All Banks XX/XX/XXXX XXXX -BK OF AMER Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I had become ill at this time and there was no one living in my home at the time and the house was empty with no services for several months ( XX/XX/year> ). I had planned to move but that fell through. Also, during this time there was a severe storm and a tree fell on top of my roof and side of the house and due to this event a wire was completed damaged too. I have conveyed to the vendor several times through the customer service department but they have yet to delete off of the credit bureaus and now have this debt showing as a collection. Services were never rendered with no electricity. Now, I am trying to obtain a mortgage loan and this is stopping me from qualifying. Please delete/remove from the credit report. Much appreciated.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2024 I was called by the customer service number on the back of my debit card. Caller ID confirmed that bank of america was calling me. The person on the line put me through the exact same verification process that Bank of America has used in the past to verify my identity. I've been told since this scam happened that Bank of America will not call if there is an issue. I was never told about this change in policy. I was also unaware that someone could call me from a phone and make it look like it was coming from another number. The person on the other line had my email address and knew specifics about how much money was in my bank account. They convinced me that someone was actively trying to wire transfer money from my account. They seemed to have access to my online banking. They told me that they were setting up a proxy page where I was to agree to a wire transfer but that it wasn't real and this would reveal the individual trying to take the money out of my account. At some point I received an email where I was to decline a wire transfer for {$48000.00} but I got confused by the wording both in the email and on the mobile app and I approved the transfer, not thinking it was permanent. I thought I had to go into the bank to complete a wire transfer or that I would at least have spoken to someone at the bank. Bank of America 's investigation into this matter completes in XXXX. I have filed a police report and a report with the FTC. The money was sent to a XXXX XXXX XXXX XXXX and the recipient was clearly a fake name " XXXX XXXX ''. I have filed a report with both the FTC and a police report but I don't have access to either report.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 2024-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received emails early morning at XXXX on XXXX about a business checking account being opened under my name. Received another email in the evenings of XXXX about a business debit card being sent to me. The new account automatically linked to my online profile. I don't know what happened but I clearly can not open a new account when I am sleeping on a weekday.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law offices of Steven Cohen LLC (NY)

XXXX XXXX ( XXXX XXXX of New York ) sent me a Wage Garnisment Notice On an old debt. I would like for him to stop threatening me about this matter. He threatened to garnish my wages in 20 days from the day I received this wage garnisment notice. 

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