davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (DE)

On XX/XX/2020, I was frauded out of about {$14.00} dollars from my savings and checking account. I received a telephone call from XXXX XXXX, telling me that I was over paying for the membership and they wanted to reimburse me. I gave them banking information to receive the funds and some how they supposedly deposited about {$11.00} into my account.I was duped into getting cash cards and even wired the money to their back being honest in giving the funds back. The whole time, they were cleaning out my account. They told me that they took my money and needed {$5.00} to get my money back, of which I didn't have. I immediately called my bank, Navy Federal Credit Union. I explain the circumstance, sent them documentation of the wire transfer, and gift card transactions. I changed my password, closed all accounts and created new accounts, and new debit card. There were two fraud claims created. Debit card and wire fraud. Yesterday, I received a call from the bank, telling me that all claims were denied, because I allowed access to my accounts. I was only trying to do the right thing not knowing that I was being frauded. My mortgage, auto payment and other bill money was also taken from. I sincerely hope that you can help me get my money back. This was my life 's savings. I'm a Retired XXXX XXXX XXXX, who protected our country, now I need someone to protect and help me out. Thank you.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (NY)

Investigation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ] Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Account Type : Auto Loan Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : COLLECTION Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX Account Number : XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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: EQUIFAX, INC. (NV)

I recently sent letters over 60days ago to this bureau and they are disregarding a regular consumers dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a damaging affect on my credit report and score.
Consumer complaint received 2020-10-02
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. (MA)

On XX/XX/2020 a communication was sent out to XXXX, XXXX  and Experian for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights. 

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank. 
Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I wrote to Professional Bureau of Collections of Maryland , Inc. twice by certified mail to request debt validation, specifically proof that they are authorized to collect the debt. I dont know who they are and I have no account with them so I asked for documentation to prove that they have the right to perform collection. They did not send me any agreements, contracts, or assignments with their client that showed they were authorized. Yet, Professional Bureau of Collections of Maryland continues with their collection activities including reporting to credit agencies after I asked them to stop.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

XX/XX/2022 I found out us direct express card blocked my card from being used for legitimate purchases. They are telling me I have to call each time to use my card online and wait on hold over an hour so they can " temporarily authorize '' my card and I have a XXXX hour wait after they do so. This is financial abuse because I am an adult on SSI who knows how to manage my own money. I never had a payee in my life!
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mutual Management Services LLC (FL)

To Whom It May Concern, Back in XXXX while i was an international student, i lived at an apartment complex. when the covid-19 pandemic started, my parents faced financial issues and i had trouble paying my rent in XXXX and XXXX of XXXX. While contacting the leasing office in XXXX, i informed them that i am unable to finish my lease and i will have to go back to my home country because of covid-19. they have deposited my security deposit that covered the 1 month i was unable to pay and for the determination of the lease. I have informed them of my forwarding address in an email. In XX/XX/XXXX, over 2 years later while applying for credit, i have learned that i have a collection debt. in the past 2 years the company has never tried to contact me at my phone number, email address or forwarding address to resolve this issue or to be able to dispute it. The leasing office had all of my communication information available where they could have reached me to resolve this. I had to learn about this collection debt through my credit report! 
I have tried to contact them to provide proof for the debt in question with no luck. Please help me. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (MA)

I would like to re-open my complaint number XXXX against TD Bank about a {$25.00} balance with " Open Date '' XX/XX/XXXX. On or around XXXX, in its response to my complaint, TD bank confirmed that " Due to the delay with contacting you of the remaining balance due, as a courtesy TD Bank has waived the remaining fees in the amount of {$25.00}. As of today, I confirmed that the Account is paid in full. An update has been sent to the XXXX XXXX XXXX XXXX major credit reporting agencies. Please allow XXXX days for the update to reflect on your credit report ''. However, I learned yesterday ( on XX/XX/XXXX, about XXXXXXXX XXXX XXXX XXXX  later that the {$25.00} still shows as a " charge off '', i.e. " bad debt '' on my credit report, and not as " paid in full '' as TD Bank states in its XX/XX/XXXX report to CFPB. Why -nearly 17 months later - didn't TD Bank inform all three credit bureaus that this amount is " paid in full '' as it states in its response to my complaint to CFBP? Please also see attached XX/XX/XXXX letter, where I marked where TD bank states the amount is " paid in full ''.
Consumer complaint received 2020-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Finance Corporation (TN)

When I got my loan I read that my rate would be 3.99 because I would get a .25 % auto pay discount. I signed up but my statement never said 3.99 % always 4.24 %. So I cancelled auto pay. The I was clicking on the website and found the attached screenshot that said I should get the discount so I signed up again for several months and still every statement says 4.24 %. I want my agreed upon 3.99
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

First of all, Wells Fargo originally sent me a letter two months back saying that claim # XXXX was determined that an error did occur and that I wouldnt be responsible the credit was permanent. Two months later now they recharged my account. The Checking account ending in XXXX is overdraft in the amount of {$1800.00} all of the transactions which caused the account to go negative were all claim reversals no money was received from these transactions but Wells Fargo recharges their customers even when an error actually did occur. I do not agree with their decision. And didnt receive any documentation or proof no error occurred. Secondly on the credit card the propel card. There was fraudulent transactions Back in XX/XX/2019, this was reported right away there were thousands of dollars to XXXX. I have been reaching out to each merchant individually. XXXX has informed me they dont locate an account for me, therefore do not see any charges were charged to me. Yet Wells Fargo says these were not fraud and were authorized, however the merchant says they were. Same with the favor transactions and every single transaction I Reported that I shouldnt be liable for. On top of that Wells Fargo charged me a late fee on the card they expect me to pay even when I was on covid payment assistance. Which they didnt tell me ended either.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2020-08-15
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: General Motors Financial Company, Inc. (MD)

Americredit/GM Finanial marked my credit late 30 days in XX/XX/2017. Traded in the car at the dealer ship and the dealership didnt pay off the car right away because of a title issue! At the time of the trade the payment was not late! Thanks, XXXX XXXX, XXXX.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I filed a dispute claim on XX/XX/2019 to Citi Bank Credit card for not getting the quality of services of goods i ordered from a store that is walking distance away from my home. I ordered windows for home to be energy star comply with the area and state where i live but i received a bow window with different design than i asked for and other windows were not energy star comply. the merchant didn't provide me with any paperwork or had me to sign for product description for non return policy. the credit card company denied my dispute while i provided what they asked for and attempt to return the product by talking to people in the store ; credit card asked for tracking number or any approve of attempt to return product, i tried to explain that the store is a walking distance away from my home and i tried to return the product be they didn't accept it and the merchant was very rude talking to me. I told the credit card investigator that the merchandises are available to be return anytime as i purchased what i was supposed to get from different supplier. I feel like i got ripped off and credit card company is standing with the merchant for no clear reason!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These inquiries were not authorized by me and I strongly suspect their legitimacy. I urge you to conduct a thorough examination and promptly eliminate them from my credit history. I have provided supporting documentation for your assessment.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

There are 4-5 medical collections that does not belong to me and it's a fraud and it's attached to a name called XXXX XXXX ... That's not my name!!!! I was shocked when I reviewed my credit report this week and I found multiple medical collections on my credit report from the 3 major credit bureaus from your company ( First Financial Resources , Inc . 
) that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.