davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my XXXX XXXX to be updated and reflect the following information as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I signed a contract with XXXX XXXX XXXX on XX/XX/18. I am XXXX yrs old. I was under the impression I was getting a good deal on a car. When I got home my daughter and POA told me I was driving a base model car and over paying for it. I was stuffed into a XXXX car payment for 72 month with outrageous fees for example, one that totaled XXXX alone. I was told I was getting a limited edition vehicle when it was a base model vehicle. My daughter called and spoke to XXXX XXXX about the issue and was told the vehicle couldn't be returned due to the 3 day return Law by the State of GA. I decided to keep the car and get it refinanced. On the XXXX I received texts and calls from the dealership that financing wasn't secured and I needed to bring the car back after I was told I did receive financing and the vehicle couldn't be returned, that I was approved for financing. I talked to a Federal Attorney who informed me I am being what is called YO-YO'ed and I needed to get the Attorney Generals office state involved so I am now informing your office of this dealerships practices and treatment of consumers. The dealership also mentioned I was getting a top of the line vehicle for my money. I have been being harrassed and threatened that I don't own the car, that I didnt receive financing and an approval, told I DID get approved but needed to COMPLETE the transaction? I am confused. When I tried returning the car I was told by the manager XXXX the car can NOT be returned it had been financed I have signed contracts and the 3 day window according to GA State Law had closed, then I was told I could trade out of the vehicle into a XXXX that had been sold after the calls started and after I was told the dealer couldnt SECURE financing all this after I was told the 3 days window had closed to return the vehicle. I dont understand whats going on.
Consumer complaint received 2023-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchase a XXXX XXXX XXXX back in XXXX XXXX car was financed through Capital One. And the car was purchase from XXXX XXXX XXXX. I sent a letter by Certified mail to the CEO at XXXX XXXX XXXX a XXXX XXXX XXXX. XXXX XXXX the CEO of Capital One. Citing 15Usc-1605 stating that the finance charges are illegal. I can cite 3violations the sun of all charges/the insurance was not included with the loan. And there was no cash in hand. Under law all charges are supposed to be included in the finance charges including the. The gap insurance/the extended warranty. My Account # is ( XXXX ).
Consumer complaint received 2021-09-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C. (CO)

I was in a minor accident and XX/XX/2020, I barely did no damage to this vehicle! The driver exchanged information with me about a week later he shared come to my house to serve me with court paperwork, all I was going to court for was not having insurance and license, he had talking to the other driver at the scene, a few weeks later I get a call from Wilber Accosciates saying that I owe {$4000.00} and that I had to pay XXXX bucks that day, otherwise my license will be suspended and I had just got my license! So I paid XXXX XXXX the first day! I did not have this money at all! This was a rent payment for me and this was very hard on me and my children, and after that she started calling me almost every week say that I owe them this money, I think in reality Ive given them about XXXX if not more at this point I feel like its wrong! I went to court I had a whole case settled and there is no mention about paying this accident back or Wilber Accosciates or anything else!
Consumer complaint received 2020-01-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I notified my financial Institution, U.S. Bank, that i had lost a debit card back in XXXX XXXX XXXX. U.S. Bank cancelled the card and issued a new card. I alerted merchants of my new card that I had set up recurring payments with except I forgot one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, on or about the XXXX of the month, while reconciling my checking account, I noticed a {$230.00} charge from XXXX XXXX XXXX. I called them and asked what the charge was for. They stated, my card they had on file was declined and in XXXX, they stated that U.S. Bank notified them of my new card so, the merchant charged me for four months of membership fees. I asked for a reversal, they agreed and, i asked to close my account, they agreed, fortunately. 

I then contact U.S. Bank to ask them how and why they gave my new card information when i did not authorize them to do so. I asked them if they were using a product/service called, " XXXX Account Updater Service ''. They said ( and I quote ), " We can neither confirm nor deny that we use that service ''. I replied that I was concerned about identity theft because a financial institution is supposed to only update merchants of new card information where the card has expired, not where the card has been reported lost or stollen. They would not tell me if they gave the merchant my information. I mentioned that I use the service in the course of my business at my employer and that I was knowledgeable of the rules surrounding updating merchants and that they were violating the rules. I asked to speak to a supervisor. They instead took my number and have never called me back. I also complained to US Bank 's customer service portal on their website and have received no response. 

U.S. Bank is releasing XXXX data, debit card information, to merchants without the knowledge or consent of its customers.
Consumer complaint received 2023-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im in direct violation of th fair credit report actXXXX XXXX XXXX  c/o XXXX  XXXX XXXX XXXX XXXX, capital one and capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I am XXXX. I used XXXX to purchase a XXXX XXXX XXXX from a XXXX XXXX XXXX in XXXX XXXX, Il. I sent {$3500.00} by XXXX Wells Fargo on XX/XX/2022. The XXXX salesman scammed me into sending the money to his personal XXXX  account. He said his account was linked to the dealer. Before my XXXX  was shipped, the dealer owner discovered the theft. Police were called. I was assured I would have the XXXX  I paid for in full. I also paid {$1500.00} by debit card for a total of {$5000.00}. This is the {$5000.00} purchase price in full of the XXXX. 

I have never gotten the XXXX or my money back. The XXXX dealer returned the {$1500.00} paid by debit card. I complained to XXXX on XX/XX/2022 and on XX/XX/2022 they denied my email. I complained again to Wells Fargo and on XX/XX/2022 they refuse to cover any of my loss. 

The XXXX dealer does not return my contacts.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF ED/XXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States 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 2022-12-13
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX  : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX Bankruptcy : Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States 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 2022-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (MI)

The collections account on my credit report from Consumer Adj co ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) in the amount of {$650.00} was posted without my knowledge and is the result of fraud. I have never heard of, nor seen, the original creditor " XXXX XXXX XXXX  of XXXX  XXXX '' I am in XXXX, I use XXXX  XXXX at XXXX facility and have never been anywhere else. I also have detailed driving records for every day over the last 5 years to prove I have never been this this place. It is fraud.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.
Consumer complaint received 2022-12-13
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. (OH)

I have already contacted the company and police when the transaction was placed by XXXX. Plus had it removed from one Credit Bureau already. I don't understand why it's listed with Experian still. I have been a victim of XXXX XXXX Data Breach, Hud Data Breach and a Credit Bureau Data Breach among others over the past few years. XXXX recently alerted me that my ssn is on the dark web. Please help!!
Consumer complaint received 2021-09-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (MD)

CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. 

When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. 

Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. 

I'm am hopeful this NEW complaint will be investigated.
Consumer complaint received 2022-12-13
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. (NY)

I am a natural person I am a living human being and I have the right number 15 USC 1681 Equifax is governed by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts listed below to be removed because according to 15US15 USC 1681 I have the right to privacy and I did not give Equifax written consent permission furnished of these accounts 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
Consumer complaint received 2020-01-08
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

We always check our bank accounts to check on balances and transactions. We were surprised to see a {$1000.00} ATM withdrawal from our account on XX/XX/XXXX. The withdrawal was a Non-WF ATM withdrawal somewhere in Pennsylvania. My husband and I were nowhere near Pennsylvania at that time. As a matter of fact, we were not in the United States at that time the withdrawal was made as we were both on a cruise from XXXX XXXX XXXX and we both have our ATM cards in our possession. My husband had been XXXX  since XX/XX/XXXX and only returned to the United States on XX/XX/XXXX. As a matter of fact, my husband used his ATM card in the XXXX which shows that he has his card in his possession. 

We contacted Wells Fargo Bank N.A. right away to report the fraud incident. They conducted an investigation and told us that our claim is denied as the chip was used to conduct the ATM transaction by us or someone authorized by us and it was legitimate. 

We have proof we were out of the country when the incident happened so it is impossible for us to make the withdrawal. I sent an email to their cardclaim department and attached copies of our airline itinerary and cruise documents showing that we were out of the country. They told me that a supervisor would contact us in the next 2 business days but we never got a call back. I called again and was told the same thing but never got a call back. Someone called us yesterday while we are at a graduation ceremony and left a voice mail. We tried calling that person back, but no success. 

I searched the internet and XXXX  if a card chip can be duplicated and sure enough there were articles of criminal activities of cloning ATM chips. I demanded Wells Fargo to investigate further but they refused and insisted that our case is closed. Our case is never closed for us as we are out of pocket by {$1000.00} plus the {$2.00} Non-Wells Fargo transaction fees. We are not rich people and this amount is a huge amount for us. 

Wells Fargo is supposed to protect our money. However, in this case, they did not protect us and they did not do their due diligence. They should go after that person who made the withdrawal who obviously is a criminal and conduct a more thorough investigation and return our money back to us.
Consumer complaint received 2022-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I contacted Nissan-infiniti to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under Nissan-Infiniti account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of Nissan-Infiniti for almost 10 years ( with a total of 5 cars leased through NMAC ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (WI)

I bought a vanilla Visa card from XXXX XXXX check out on prepaid and it told me to wait 24 hours before using and so I waited but it still says invalid when I try and make a purchase