davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Convergent Resources, Inc. (FL)

In accordance with the fair credit reporting act convergent account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-20
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2019-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I feel Navient does not make it easy enough if you want to pay off your loan early. Every other lender I deal with whether a car, credit card or personal has easy to find links on you account page for a payoff quote. Navient makes it so difficult it is frustrating ... there should be a payment option for payoff, not just " over-payment '' that does me no good. Stop trying to discourage from paying off early, I have already been paying on the loan for 15 years ...
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fradkin & Weber PA (MD)

Fradkin and Weber is attempting to serve a Writ of Garnishment of Wages to my Employer for a debt that was incurred in XXXX  and I never received notice. I contacted their firm and spoke to XXXX XXXX to advise him I was never served with documentation of the debt. He then advised the process server served my neighbor in the building beside me who I don't know with the summons and complaint. Also, the address on XXXX  Case Search is a address where I never resided. A judgment was wrongfully entered entered against me on XXXX because service was not property effectuated. He also advised the balance {$1000.00}.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MD)

On XX/XX/2023 I sent money to my girl in XXXX, she has not receive the money with was meant to arrive for his sisters birthday on XX/XX/XXXX which is a problem because the money has already left my bank, so what happened to the money I sent? Where is my money? The receipt I have says that is its processing but its been over a week and this transfer is still up in the air. No one has reached out to me and told me why my money is in the air. This is very unprofessional and time consuming, Im not satisfied at all with this service
Consumer complaint received 2019-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015. 

TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank. 

My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used. 

The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed  my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (FL)

Provided only one way to payoff loan ( mail certified check to a po box ). Once I submitted payment, lending organization states they have not received. Not being able to confirm payoff has allowed the lender to continue to receive monthly payments and hold on to Certified Check issued from my bank.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

On XX/XX/XXXX somebody open a Discover Account under my name getting a credit card delivered on the address that I lived befor of XX/XX/XXXX. After that date I move to Texas, so I never applied or recieved anything. I was sending letters to Discover Financial Services to take out this account from my credit reports and form their records because I was a victim of identity theft. They do not want to take it of because they insist that is mine. 

I Ask them, to verify the signatures and the information demostrating that I didnt live in that addres at the time that they said that the Credit card arrived.
Consumer complaint received 2023-03-08
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: Self Financial Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

Hello, On XXXX  XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on XXXX  XX/XX/23 in XXXX, MN. An unknown individual ( s ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.

I filed a previous complaint in regards to this matter and received a response from the business today that I do not agree with, They said I physically used the debit card in question after I reported the fraudulent activity but that is not possible as I was not in possession of that debit card. When I first filed the dispute with Associated Bank, I was told they would do a full investigation and look at the video footage of the cameras at the institution where the fraudulent activity occurred but this never happened.
Consumer complaint received 2023-03-08
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: CLGF Holdco 1, LLC (MO)

XXXX XXXX  account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

TRUIST failed to refrain from charging the account overdraft fees after I opted out of the service. They charged a {$36.00} fee on XX/XX/2023 after I ended the service. They also charged {$36.00} for an overdraft fee on a transaction that was deducted prior to them added an annual debit card fee to the account. This annual fee caused the account to go into the negative. 
I submitted an oral dispute on XX/XX/2023 and TRUIST failed to conduct the proper investigation and provide written notification regarding their decision. I mailed written Dispute and Cease & Desist notices on XX/XX/2023 and TRUIST never responded. 

I want TRUIST to deposit the {$72.00} total back to the checking account and pay me {$2000.00} for their violations.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The XXXXXXXX XXXX  address listed on my report isnt mine. That is the address of my soon to be exwife once she moved out of our braeswood address home. I still live at XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-03-07
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: Mercedes Benz Financial Services (CA)

In XX/XX/XXXX I have financed a vehicle with Mercedes Benz Financial. I have all my payments on time and XXXX of XXXX I have decided to pay off my car and sent a balloon payment and paid off the car. I have requested a paid off letter from MB Financial and enclosed with this letter so you can review and verify with MB Financial Services. After paid off the car I have pulled my credit report and noticed that MB Financial has reported reported Repossession on my credit report. I have contacted them several times and they advised me it was a mistake and it will be corrected within 60 days. As of today noting has been corrected and they did not corrected anything. I have contacted them again last week and been advised that because of the account inactive now it is a problem for them to update. Now because of their mistake my credit scores are suffering and I am not able to obtain my student loan and been denied because my law credit score.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (MO)

I opened an installment loan in XXXX of 2021, with XXXX  XXXX XXXX, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into XXXX  XXXX on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX XXXX  and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (GA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (CA)

Upon purchasing a shipping label from XXXX, I was asked if I wanted to initiate a XXXX mychoice account to track shipments and purchase future shipping. I made one purchase with a credit card for around {$12.00}. I am the only one who knew about this account from my company, XXXX XXXX XXXX XXXX and nobody else has access to this account. 

Invoices began arriving from XXXX on XX/XX/XXXX for {$150.00}. The shipping charges indicated were for shipments I did not make or authorize and had no connection to me or my location. All shipments were to/from locations in the eastern half of the United States XXXX I am in California. Additionally, I have no idea how I was receiving paper bills when the payment method I had used was a credit card. 

I called and disputed this first bill and was told it was reversed. I updated my online password. I received a second bill on XX/XX/XXXX for {$600.00} which indicated there was another bill sent on XX/XX/XXXX for {$190.00} that I did not receive. When I called to dispute, I was told both of the invoices ( XXXX and XX/XX/XXXX ) would be reversed. I then received an invoice on XXXX  crediting ( {$210.00} ). Based on the way these responses appeared to flow, I figured this was resolved as was explained over the phone. When I received an invoice on XX/XX/XXXX for a {$48.00} late fee, I figured this was in error and that XXXX would catch and resolve this based on confirmations that all invoices had been cancelled. 

On XX/XX/XXXX I received a collection notice from EGS Financial Care , Inc. attempting to collect a debt that I had confirmed with XXXX was not mine, nor was it current. 

I called XXXX today and spoke with XXXX. She cancelled the invoice on XX/XX/XXXX and provided a confirmation number ( XXXX ), stating ALL invoices had been cancelled/reversed and there was a {$0.00} balance on this account. 

Upon research I have noted MANY online forum complaints that state this happens regularly and that there is a problem with XXXX  ' system that allows anyone to charge shipping to other 's account numbers by simply having the account number that appears on the shipping label. This is wide open for fraud and I am being wrongfully and knowingly collected against as a result. 

Please assist me in seeing that this situation is brought to a stop.
Consumer complaint received 2023-01-19
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. (TN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} )XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX  XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-07
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. (OR)

Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be inaccurate.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC