davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CT)

I deposited a " SECURE '' Payroll check to my checking account with WELLS FARGO on XX/XX/XXXX, expecting it to be cleared the next day. I called the XXXX # on XX/XX/XXXX to find out why I see a hold on the check. They told me the problem with with the issuer of the check. It is a " Secured '' Payroll check, not sure the problem. They told me the funds would be released on XX/XX/XXXX. On XX/XX/XXXX I went to my local branch, the Manager told me it was because of too many overdrafts. XX/XX/XXXX - I received a letter dated XX/XX/XXXX stating my check is on hold because " You Need to Refer to Maker of Check ''. XX/XX/XXXX the maker of the check to the letter and a copy of this check to his bank and they stated that it cleared!! The maker of the check then went to Wells Fargo with the letter and the check along with the notice from the bank that it had cleared. 

Whatever the reason is, it was not made clear to me. I will attach my bank statements with overdrafts caused by checks being held AND I received overdraft fees AFTER deposits were made to cover by end of day. I also have the letter received from the bank stating " You Need To Refer To maker Of Check '' which I did. 

My business account currently has a hold on a regular check in the amount of {$4000.00} and the letter stated " Signature on check is irregular ''
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (AZ)

A agency by the name of Midland Credit Management Inc sent a unknown male individual to my home at night to serve papers. At the time, I am new to the state of Arizona and don't know anybody well enough for them to come to my home at night. I moved away from my previous state due to make stalking and XXXX XXXX by unknown males. This carrier for Midland Credit would not speak clearly so I could understand him no matter how many times I asked. He then forceful say that he have pictures of me. I was shocked! He then proceeded to demand that I show him my ID as he launches for entry to my home. My daughter and minor son was behind the door as I immediately closes my door before he entered. We were in disbelief of the events that just happened. We did not know what provoked this violent event. When I walked my son out the next morning for school I saw a packet of court documents and couldn't imaged all this happened in a very scarry attempt to serve me. I now feel unsafe in my new home. I thought I escaped aggressive men in my old state. I have several police reports of past trauma caused by unknown men that attack my home at night. Please help. I felt safe in Arizona until this happened. I filed a complaint with the attorney general of Arizona concerning this matter. I plan to contact law enforcement and file a report now that I know my rights as a woman. This should not happen to vulnerable women and their families. I now have to install a security system due to this violation against my family and I. Thank you for your help with this matter.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, I tried to go open bank accoubt at few dofferent places and everywhere i go, they say ive negative account from somewhere and o cant open new bank account. I need to rectify this and report identity theft of misuse bank account
Consumer complaint received 2022-01-07
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. (MD)

Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I sent a message through the mobile app on XX/XX/22 regarding my Nrewards Secured credit card to get an answer as to why my card was not converted to an unsecured, even though I have had the account for about a year and half now. I received a reply back on XX/XX/22 stating that it was due to my credit score. I sent a response back on XX/XX/22 stating that I have an open account for an unsecured card prior to my Secured Credit Card being open and my XXXXredit score was lower at the time. I also noted that their website did not mention credit approval as a requirement for determining a secured credit card conversion in their Terms and Conditions.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Experian has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called XXXX XXXX which is very inaccurate.I will follow up with this matter with the NJ attorney general. New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. In addition, I attached a utility bill.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/22 and XX/XX/22, Capital One called me to verify a credit card application, which I did NOT make. They were helpful each time to tell me the steps to take to further protect my identity. On XX/XX/22, I called Capital One to report emails I'd received notifying me that account information had been change ( email address and phone number ), changes that I did NOT make. Capital One has been helpful and informative in leading me to next steps, sending me here to make this complaint. They also suggested that I contact credit bureaus to put an alert on my credit report.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (PA)

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MI)

Consumer collection management is reporting as of XX/XX/XXXX that I owe original creditor XXXX XXXX XXXX XXXX  {$2000.00} I have not received any written notices from either XXXX XXXX XXXX nor Consumer Collection Management nor any phone calls about this supposed debt while living at XXXX XXXX XXXX  I was verbally threatened by the property manager that she would have me evicted if i miss my rent payment by one day I received multiple written notices on my door on XX/XX/XXXX stating I had 3 days to pay my rent or legal action would be taken against me and I had reported to the property manager I had just lost my job due to Covid and the state of Indiana was working on helping me pay it till I was cleared to go back work but was told if I didnt have the money within 24 hours the sheriffs department will be serving me with an eviction notice that she had filed the same day I called to report that the date was going to assist in paying the rent while I was in the hospital after talking to the property manager my father went up to my apartment to find that the door lock had been broken and all my stuff piled in the living room of the apartment when I called about the incedent the property manager refused to take my call the next day my father went back up there and stuff that had been piled in the living room was found in the dumpster out front of the building so he took what was left back to his house and once I was released from the hospital my door locks had been changed and the property manager still refused to answer my call on XX/XX/XXXX I need to know if there is any help for me I cant get thru to village green apartments nor consumer collection management to find out what the debt is from because my rent was only {$750.00} a month
Consumer complaint received 2022-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was contacted by a notice by Capital One regarding an inquiry made that I never applied for or contracted. They reported and defaming information beginning XX/XX/2021. They never supplied sufficient information to me in order to validate the inquiry. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Consumer complaint received 2021-12-24
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX XXXX XXXX. for Bank of America N.A. for account ending # XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX and the judge requested an additional 30 days on XX/XX/XXXX. XXXX XXXX XXXXXXXX told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Consumer complaint received 2022-07-09
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Im not sure what this account is or what its in reference to but I have never done buisness with your company. I had my name changed in 2014 also, somehow youre associated with my divorced name which is odd to me because I havent used it since 2014 by law. Please contact me at your earliest convenience. I have court documents per request Contact me at your earliest convenience XXXX
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I set up auto pay for my American express card so payments will be on time. After completed the form in their system ; it confirm that payment will be taken out on XX/XX/XXXX. Well XX/XX/XXXX came and no payment was taken out and i was assessed a late fee and late payment report to credit bureau. This was not right because their system was incorrect and when I contact the service department. They make it seem like it was my fault. The same thing happen prior month in regards to auto pay. Also, I originally had choose a minimum payment of {$40.00} but because of the late penalty. I have to made double payment. I attached a document that proves that their auto payment system informed me that payment was to taken out on the XXXX of XXXX but did not happen.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (VA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.