davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MO)

XX/XX/2021 I have sent DIVERSIFIED ADJUSTMENT a Affidavit, Cease and Desist, and enforcement action with invoice attached. The company has committed identity theft, they have taken my information and has furnished unverified/non-factual information on my consumer reports to attempt to collect a debt, this is a violation of both the fair debt collection practices act and fair credit reporting act. I the consumer has received injury due to the willful and intentional robbery of my identity, they have impeded my consumer report without direct permission from I the consumer, I have never had any type of contract with DIVERSIFIED ADJUSTMENT, understand DIVERSIFIED ADJUSTMENT has committed federal violations towards I the consumer. They should have never had any of my informationn without consent or contract, I Demanded that DIVERSIFIED ADJUSTMENT pay the invoice for each individual action committed and removal from all credit reporting agencies.
Consumer complaint received 2022-11-19
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. (NV)

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. 

PUBLIC RECORD : XXXX XXXX 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 take 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. The bankruptcy is under an address that does not belong to me. I have repeatedly sent in documentation and transunion refuse to remove. This is my final attempt for I have reached out to legal representation to file a class action lawsuit. I am 100 % sure this is taking place with other consumers and it needs to stop! THE ADDRESS THAT THE BANKRUPTCY IS UNDER IS DELETED FROM MY XXXX XXXX FILE I HAVE ATTACHED THE PROOF TO SHOW THAT XXXX XXXX XXXX XXXX, XXXX, OH XXXX WAS REMOVED BECAUSE I NEVER LIVED THERE.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

On XX/XX/22 I informed Experian to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. I've also called Experian multiple times to have this removed over past 2 months and didn't removed it. I didn't even ask for a fraud alert. They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago. 

Experian, there should be NO fraud alert on my file! You changed it from extended fraud alert to it now being a one year fraud alert. I've asked multiple times for no fraud alert being on my file. 

Enclosed is ID, social security card, and proof of address.
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (IN)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX {$590.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MD)

I successfully paid a my credit card in full. I was issued temporary credit of {$1000.00}. 
My payment of XXXX was sent in XX/XX/2022. It was credited to my account but did not allow my funds to be accessible. The funds were posted XX/XX/2022 but never released to me. As I did this, the company conducted a random periodic review and decided my credit needed to be reduced from {$5100.00} to {$1000.00}. Causing my credit utilization to shoot pass an acceptable utilization rate on the credit bureaus. This has causes me irreparable damage due to the fact that I rely on my funds to survive. I do believe this was done maliciously with the intent to do harm to my person.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX FD Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2022-07-01
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)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX XXXX XXXX Acct number :
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I obtained a mortgage through XXXX XXXX XXXX. Amerihome Mortgage is now the service provider. I have added additional funds to my monthly payments to reduce the principal in advance. Each time Amerihome has applied the additional funds as an ADVANCE payment to the next months payment. In essence, they are making me pay my interest in advance. 

I have now spoken to them five times. On the first event, they did rectify the issue and applied the payment to the principal. However, for the subsequent months, despite my calling and their assurances that the funds would be reapplied they have not done so.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX  XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, Experian, XXXX  and XXXX, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I have had issues with the fact that I got into a car accident that was not my fault and my car was totaled out and I was told I would be receiving the payment for it which they lied but then even after the payment was sent to GM Financial and the loan and vehicle were paid in full I still get harassed stating Im past due and it will be noted on my credit report and that it a still open. Im upset and want to get help for the issues with my old auto insurer as well as GM Financial please.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Consumer complaint received 2023-03-28
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo account has been updated account numbers and overdraft fees over and over also payments are not being paid on time so credit card limit has been decreased for that XXXX XXXX account was not paid on time
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (TX)

I am currently injured and awaiting XXXX for a workers compensation injury and have an EXTREMELY FIXED income and get credit report notifications daily via email and text messages. I woke up to both alerts of a XXXX XXXX  XXXX XXXX drop XX/XX/XXXX. 2023 at XXXX XXXX. I immediately contacted Speedy Cash on XXXX XXXX XXXX ( closest proximity to my address ) and they directed me to file these statements. I had previously applied for a loan to bail my son out of XXXX however was denied due to my low income level, So how was I supposedly approved 3 weeks later and XXXX XXXX were ever received in my financial institution? Speedy cash was not informative nor told me what account nor any information regarding this XXXX I supposedly received. My workers comp checks are XXXXXXXX XXXX weekly and I live under the line of XXXX! Please help me in this matter!
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/21, I looked at my on-line checking account with SunTrust Bank and noticed that ( 5 ) unauthorized checks were cashed on XX/XX/21 and ( 23 ) unauthorized checks were cashed on XX/XX/21 by the bank. These all totaled {$11000.00}. All of the checks were about {$300.00} and not more then about {$400.00}. I was amazed that SunTrust bank would allow that kind of strange transaction to occur without questioning it. I went to our local bank branch and spoke with the branch manager about the fraud. She told me to close the account and she would take care of the rest on her end. On XX/XX/21 I went to the bank and spoke to the manager regarding the fraud and to find out if there was anything more that we needed to do on our end to help the process in getting our money returned to us. She told me that we needed to file a police report. We filed a police report. The officer came to our home to take our information and he gave us a case number. In early XXXX, I called the fraud department to see where they were in the process of returning our money. They said we needed to file an affidavit. They also said that their investigator attempted to reach me. There were not messages left or record of calls from them on my cell. I have contacted the fraud dept. 5 times. They keep telling me that the money will be put in back in my account. Today is XX/XX/21 and no money that was fraudulently taken from my bank account was deposited back into my account by SunTrust. I have written to XXXX XXXX, SunTrust, CEO of fraud. I sent the letter XXXX  on XX/XX/21. I have not heard back from him.