davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (PA)

Last onto l, Navy Federal Credit Union seized funds out of my account in the amounts of XXXX from savings, and XXXX from checking. I had no idea I had the debt because in speaking with themselves day after day, I was told there was a cease and desist by an attorney XXXX XXXX. XXXX is my VA attorney. He has no other rights to do anything with my accounts. I was also informed that I called them and told them to cease. I never would have done that as I know there would have been no settlement letter sent. My attorney also changed my address to his about XX/XX/2016. I asked Navy Fed for the returned mail as he moved and thats when I found out about this cease and desist document that I never permitted. I want my money back because I never got any letters from them. I should have the right to a settlement that I can afford.
Consumer complaint received 2024-03-06
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau Experian, XXXX and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IL)

I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My bank charged me over {$900.00} because of the fake check that was deposited through their branch. It was deposited in XXXX, and the bank charged me on XX/XX/XXXX. I immediately filed a claim, and the banker that was assigned to my claim ended up closing the case, even though it was impossible to miss that the transaction was a check fraud. 
After I've spent hour and days trying to escalate the claim they promised that my claim will be expedited and my claim assignee will call me back. She never did. 
The bank let the person committing the fraud to deposit and later cash out a check that had a fake signature, and they let the criminal to get away with it and the claim assignee wasn't held accountable for it.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau XXXX, Equifax and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX,2012. Each Credit Bureau XXXX, XXXX and TransUnion have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, XXXX  has said they could not provide a free credit report at this time. Equifax wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, XXXX  and Equifax are trying to complicate or circumvent the free credit report requirement.
Consumer complaint received 2022-02-09
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. (GA)

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. Sh would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Consumer complaint received 2022-12-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX of XXXX  during the amidst of XXXX, my spouse having been XXXX, and loss of income, I unintentionally incurred a late payment on my USAA credit card account. I have no prior late payments or any late payments made after this month. I had thought the account was put on autopay and am not sure what happened. However after discussing with USAA they refuse to remove the late payment which is negatively impacting my credit score. Due to the circumstances at the time, and given my current account status I dont understand why the company has not looked into the matter perhaps it was an issue with the app or something and forgive or dismiss my ONE late payment.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

Name of Company : XXXX XXXX XXXX {$25000.00} to include XXXX shipping. 
Start shipping XX/XX/XXXX & was to arrive on XX/XX/XXXX. The car Did Not Arrive Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Wire Transfer from XXXX XXXX  XXXX XXXX Mo made from a XXXX acct on XX/XX/XXXX to JP Morgan Chase Bank. The address of the bank it went to was XXXX XXXX XXXX XXXX GA XXXX, Acct number is XXXX Routing number is XXXX, Wire Reference # XXXX. The reference number for the transaction is XXXX Explanation of incident : I found a XXXX  XXXX XXXX XXXX XXXX on a website. They claim to be a repo broker service for vehicles. They only handled the paperwork for the banks and businesses that had repo accounts on the vehicles. I ask to visit so I could take a look and I was told they were the 3rd party therefore did not have any vehicles to show they ship directly from owner lots. They told me the car title would come after the 14 days waiting period after I received it and I wanted to keep it. They claimed to give the buyer up to a 14-day try-out period and If I did not want it I could ship it back without a fee. If I did not want the car a refund would be sent back up to 3 days when the car returned to the owner 's lot. 
The day came and went with no delivery I took a day off of work to be there when it was to arrive on XX/XX/XXXX at XXXX XXXX. I started trying to get ahold of someone at the previous contacts numbers and emails but I did not receive any response or explanation. 

It was such a disappointment to realize it was not going to be arriving I am out of my money due to this scam. I would appreciate whatever you can do to remedy this so someone else won't suffer the same consqences.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (SC)

ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. 
COMPANY AGREED TO REMOVE ALL LATE PAYMENTS AND HAS NOT HELD UP THEIR WORD. I HAVE NOT MADE LATE PAYMENTS IN THE LAST 2 YEARS.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (AZ)

On XX/XX/XXXX Fay Serving sent us paperwork to fill out for a deferment, which we did. 
The paperwork was mailed back, & we received a letter and a phone call we were approved for a loan modification the first week of XXXX. Our account never got updated for the deferment. Many e-mails/phone calls were made which they never returned. We had included a voided check to start taking money out of our bank account monthly & they never did. We started receiving past due notices in XXXX along with a letter that had new paperwork to fill out which was the same as the previous one. We sent them new paperwork even though they received the first set, and after several phone calls with messages & emails they didn't respond back. On XXXX first we sent once again a voided check along with our bank information for automatic payments with a copy of our paperwork which once again they never started taking out payments. Our account manager never returned our calls or e-mails. Going through the customer service line was the only was to talk to someone which they said they would forward to our account manager & said the paperwork must be in the mailroom & still no responses. The same thing happened in XX/XX/XXXX. We received new deferment paper for XX/XX/XXXX. Now due to no payment history we can't get a loan with a new company. We have attached a summery of events and paperwork copies. We have never had a company like Fay Serving that doesn't return phone calls & emails, as well as not moving forward with signed documents and voided checks that were submitted to monthly autopay.
Consumer complaint received 2023-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

We received a " debt collections notice from Transworld systems , inc. for an {$84.00} supposedly from XXXX XXXX XXXX. We never received ANY communication from XXXX XXXX XXXX and when we looked at our XXXX EOB 's only one claim was filed with our insurance in the past 2 years, leaving a balance of {$12.00}. We have no way of verifying any of this to know if we actually owe this amount, and had we received a bill or any communication ( written or by phone ) we would have simply paid the bill. It seems as though this is either a scam, or at the very least, a poor attempt to collect a debt that we may or may not be responsible for. XXXX XXXX XXXX should have supplied the basic information of date of service, what was paid by insurance, and what was remaining so that we could arrange payment to them. This did NOT happen, and instead, they sent it to a collection agency with no attempts to contact us. We are not certain that we owe this amount, and can not verify it as it is past the time that we can obtain documentation from our insurance carrier. I am not even sure how to get proof that we do or do not owe this amount. It's beyond ridiculous that XXXX would not simply pick up the phone and call us prior to sending to a debt collector.
Consumer complaint received 2019-06-11
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. (AL)

I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, XXXX and Equifax and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (AL)

On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.
Consumer complaint received 2021-06-13
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. (NC)

XXXX is reporting information on my credit report that I do not have knowledge of. I have asked Equifax on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The companies below and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Equifax never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Equifax.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automatic Financing, Inc. (NC)

Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

The following is a recapitulation of the events beginning XX/XX/2022 with reference to the fraudulent checks processed through Chase Bank. 
XX/XX/XXXX - Four checks were processed and immediately recognized as checks we had not produced. 
The check numbers were numbers we have never ordered and the style of the check while similar was slightly different in format. The amounts written out were in all capital letters which we never use and when viewing these checks we saw the payees were not our employees or vendors. 
We immediately contacted our personal banker at our branch bank in XXXX XXXX, Florida and followed every instruction and procedure given to us. 
XX/XX/XXXX - 10 more checks were paid and again we notified the branch. 
XX/XX/XXXX thru XX/XX/XXXX - 18 more checks were cashed and withdrawn from our account. At this point the fraud totaled {$32000.00}. 
XX/XX/XXXX and XXXX - Five of the checks processed in XXXX were redeposited into our account and we thought this nightmare was coming to an end. 
XX/XX/XXXX we, as told by your staff, submitted the Unauthorized Signature or Forged Item Declaration with the dates and amounts of the first {>= $1,000,000} and assumed that from that point forward all the funds wrongly taken would be replaced and the travesty would stop. However : XXXX continued to be a fluctuation between checks being paid to the criminals and funds being returned to our account but the net effect was that we were still short {$33000.00}. Not an appreciable net gain. 
XX/XX/XXXX - All funds except the first {$16000.00} from XXXX had been returned. BUT On XX/XX/XXXX through XX/XX/XXXX the funds that had been given back to our account were taken from us AGAIN. 
The total amount we are expecting to be returned to us is {$37000.00}
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

A collection agency named " Midland Credit Management " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " Midland '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.