davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

I noticed Navy Federal Credit Union has a history of deceptive debt collection practices here -- -> XXXX XXXX  XXXX Below is what I wrote to them : I am having an extreme financial hardship and {$1200.00} was transferred to a delinquent XXXX credit card ending in XXXX automatically from my checking without my consent. This is a policy I have never seen at any other bank and I wasn't clearly notified this would happen. I needed that for living expenses. 

In fact, it actually came from my business account ( which I am waiting on a new card ) so it would have never even happened, I was only transferring it to my person to use that card in the meantime, that's it. 

I am a 100 % XXXX veteran waiting on social security XXXX insurance ( XXXX  ). My next hearing is on XX/XX/23 where they make a determination on my case and backpay for the last three years I have been waiting. 

The screenshot of the XXXX hearing and the amount transferred if attached. I did talk to the collections agent who only could reverse the recent transaction of {$43.00}, and that hasn't happened either, so I was lied to. 

This is making me not want to bank with Navy Federal at all, although I know you have to collect debts, to collect them against a consumer 's will is unethical and I don't remember the credit card application making that clear. It was one of those things in the " fine print ''. 

This is a shame as this bank is for XXXX XXXX service members and veterans, so there was a degree of trust in selecting you. XXXX is FAR better I have realized and I have had them for over 12 years. At the bare minimum, I will be writing poor reviews about these tactics and when I get the chance, I will no longer bank with NFCU. I also have finance lawyers IF NEEDED, but this is ridiculous. 

I have had to change old banks for other practices that were not right which later got the banks sued like XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CBC Companies, Inc. (PA)

upon knowledge that there was a breach to my credit file through the ( XXXX XXXX XXXX XXXX ) I Contacted Innovis, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, and a number of other companies to inform them that my information is held in trust and copy written as a precaution and protection from any further breaches, I mailed out complete packages of this information to the above companies asking them to cease and desist furnishing any information on me unless authorized in writing, I informed these companies that my information is also protected by law under Title 15 U.S.C 1681 ( b ) Permissible Purpose the above companies opened, then refused my certified mail to avoid liability I have taken pictures of the information in question and I'm asking as a consumer that you address these violations of my rights
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX Below is the requested documentation for my personal identification
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NJ)

Since XX/XX/scrub>XXXX XXXX XXXX  Ally Bank has continued to mishandled my dispute with a merchant that is never ending. Today they deposited {$98.00} confirming the dispute in my favor but did not complete the rest for another {$1900.00}. I have been waiting almost 5 months after I was told 90 days and NOW they are trying to tell me to start over and wait another 90 days. They have mishandled and demonstrated extreme negligence.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

This information is for a case already opened for a issue I am occurring and can't add more to that case. 

Between from when the fraud on my Wells Fargo checking account occurred and to XX/XX/year> ; there has been more fraud/identity theft presumed. One of my personal credit cards were used fraudently all across from XXXX to even XXXX on purchases that were not authorized by me. Additionally, someone attempted taking a loan out in my name, address and social security number. Luckily nothing came to the loan, only the credit card. I called both parties of the credit card and loan company and they both helped me resolve the issue. I am sick and over all of this and have contacted my local FBI department in XXXXXXXX XXXX. They and the loan company both agree that this is a matter of identity theft. I have froze all my credit cards and all of the credit bureaus until this matter is solved and/or the FBI has solved/fixed the issue. This has been nothing but a headache and gut wrenching. I am to the point of almost struggling due to all of this. 

XXXX XXXX : XXXX I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to 15 U.S. Code 1666b, I have no late payments. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. No company has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

Please have XXXX  XXXX XXXX remove and permanently delete all payments that are showing any late status from my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AL)

JPMCB AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPCMB is reporting fraudulent inaccurate information on my credit report multiple times. The fraudulent information is a violation of The Privacy Act of 1974 15 USC 1692c - Communication in connection with debt collection 15 USC 1681 - ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 USC 6802 - Obligations with respect to disclosures of personal information Internal Revenue Service, Treasury 1.1664 15 USC Subchapter V - DEBT COLLECTION PRACTICES 15 USC 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-09-22
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: General Motors Financial Company, Inc. (MI)

on XXXX XXXX americredit gained unauthorized access to my credit report and this has caused a dent on my credit score, this grave inquiry has affected my credit worthiness for months and its a violation of 15usc1681n.
Consumer complaint received 2023-01-25
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. (NV)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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)

On XX/XX/2023 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I usually check my account every night ti see how is everything on a Saturday night looking over my account and noticed that someone did a XXXX dollars withdrawal from a ATM in Florida next day in the morning a call Wells Fargo to let them know that I noticed the withdrawal and that it wasnt me since my home residency is in California they canceled my ATM card but unfortunately they didnt do anything about the withdrawal the next day I call the fraud department to filled a complaint about the XXXX dollars incident and told me I had to wait XXXX business day to investigate days later I call them to see the status of my case and the representative told me that my case was close and they couldnt find any XXXX I opened a new case I went to the bank made a second investigation with the same outcome they say Im sorry whoever make the withdrawal has all your information and theres nothing we can do about it
Consumer complaint received 2023-09-23
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: TRUIST FINANCIAL CORPORATION (MI)

on XX/XX/2023 REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX gained unauthorized access to my credit report which is a violation under 15usc1681n
Consumer complaint received 2023-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

I have contacted Freedom Mortgage on XX/XX/23 and XX/XX/23 regarding the escrow account. Specifically regarding the insurance payments. I sent over my declaration pages and let them know that our insurance is only XXXX per year and they are stating that it is XXXX which is WAY wrong. I have been having issues since Freedom Mortgage received our loan from XXXX XXXX. I am seeking a way to get away from Freedom Mortgage. They are constantly going against RESPA, i do mortgages for a living for another financial institution and i have never seen such deceiving information and incompetence from a company. They are very terrible at their escrow analysis procedures and they are not forthcoming with the information being requested from their customers. they have never sent me a full payment history when requested which again is against RESPA and I'm considering seeking an attorney to sue them for undue stress caused by them miscalculating the escrow every single year. they have even double paid my insurance company and they had to send it to me and i had to re-deposit it back into escrow. this company does'nt deserve to be in business at all!
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and vance & huffman for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me.

7
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-30
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. (SC)

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

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On XX/XX/24 and XX/XX/24, someone fraudulently charged transactions using my Direct Express debit card. I discovered this when I went to withdraw some money from my debit card and the money was gone. The total of the transactions was {$710.00}. I contacted Direct Express about this first on XX/XX/24 and then again on XX/XX/24. They said they would mail me a XXXXuestionaire of Fraud which I received on XX/XX/24. I filled it out and returned it by mail on XX/XX/24 to Direct Express. On a letter from Direct Express, dated XX/XX/24, They informed me that they would be investigating my claim with them. In the meantime, they credited my account for the {$710.00} and stated that if they found that my claim was found to be authorized by me that they would take back the {$710.00}. This month they did exactly that. 
The following transactions are the ones in question : XX/XX/24. {$13.00} XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX The above charges were all made in the XXXX XXXX area of California. I live approx. XXXX miles from there. They were all made at eating establishments, mostly fast food. I have never charged anything on my debit card from that area. My transactions can all be checked for the last XXXX years and I havent charged anything on my debit card from that area. 
I received a letter from Direct Express dated XX/XX/24 telling me that they denied my claim. 
I requested that they send to me the document they used in making this decision. I received those papers on XX/XX/24. They dont tell me anything as to why they denied my claim. 
I have been issued a new debit card since this has happened but I still am in possession of the card I had when all this happened. It has never left my possession that I am aware of. I have never given my debit card information to anyone. I have no idea how this has happened. 
I have copies of all documents that have been mentioned in this letter. I dont know how to send them via email but will gladly send them to you if you let me know where to send them and to whom. 
Thankyou for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
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. (PA)

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.