davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter
Consumer complaint received 2020-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020 I attempted to purchase a rower ( workout equipment ). While checking out the website appeared to have been hacked/fake. I called my credit card company immediately and reported the fraud activity. I told them that they should not pay that vendor/amount if it goes through. They decided to let the charge post, so I had to call back and dispute the charge a second time. On my third attempt at a dispute they told me that the vendor confirmed sending me a hot tub and there was nothing they could do about it. At this time I did get more information from Capital One as was able to do my own investigation. This scam is way bigger then me. I did not receive the item I ordered ( the rower ) or the hot tub they claimed I got but I did receive a fork and a spoon from XXXX, company XXXX, an underwear factory located on the first floor ( same company you see all over the news sending people seeds ). I submitted a 9 page report explaining everything including other claims from other consumers. I can not speak to anyone who can help me within Capital One and the merchant does not exist for me to contact directly. It is now XX/XX/2020 and I am still fighting this {$110.00} dollar charge. I urge everyone to not use Capital One they do not care about their customers safety, financial well being or their experience with Capital One. I really hope the CFPB can help me.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

This company has responded to a previous complaint I did on them stating they would still report to my credit. Once again which will be the second time im disputing on the cfpb for the same company but with XXXX  I disputed this account several times for inaccurate reporting and the fact of it reporting when it was sold to a third party which means they no longer own the debt. It really should not take over 8 complaints and dispute for you guys to settle and say we will do a. cease and desist. No it needs to be removed because this has been inaccurate. The third party company it was sold to is not even reporting the debt. The actual two XXXX  secret accounts starting with XXXX and XXXX stated that both accounts were written off. Even in the correspondence letter of them responding to my dispute THATS NOT EVEN MY ADDRESS. which also leads to another reason why I did not receive any documents for the account. I will be taking further action and reporting to the bbb as well. 
It's still reporting inaccurate and if it was written off that means you filed it, wether balance is {$0.00} its still inaccurate for reporting because the debt was sold, The Fair Credit Reporting Act ( FCRA ) states once a debt is sold to a third-party collector, the original creditor typically no longer has the right to report that debt, as the new owner has the responsibility for collection and reporting. The FCRA requires that information reported to credit bureaus must be accurate and up-to-date, which means that the original creditor should not continue to report on a debt they no longer own. 
So if XXXX XXXX who you sold the debt to does decide to report I will have TOTALING THREE OF THE SAME ACCOUNTS REPORTING FROM SAME CREDITOR AND THE ONE THEY SOLD TO FOR XXXX. AND AGAIN THAT WILL BE INACCURATE. These two accounts needs to be removed from my credit I disputed this over seven times and nothing has happened the bare minimum was done for the cease and desist and denied and stated reporting accurate when you're not because of the debt being sold. Section 605 specifies lthe limitations on reporting negative information indicating that once a debt is sold the original credit should generally not continue reporting that debt. If this is not deleted from my report from credit report both XXXX XXXX account with the account numbers listed above I will take other actions because just as well as you are following the law which you are not because is still identified INACCURATE. I know my rights and I have been collecting a trail and each dispute from XXXX and more who verified you are the one who does the disputes. and report inaccurate reporting and more when it comes to this creditor because you think your reporting right and YOU ARE NOT. I will attach the response from them confiming it was sold to a third party Which again i did not give consent to give my information to another third party again violating my rights to privacy!
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CT)

Hello, I am trying to regain access to my compromised account for my cryptocurrency at coinbase - after XXXX  company allowed identity theft and sim card number swap.I have been waiting form the coinbade specialist to contact me for over XXXX business days when in a original message stated to wait XXXX business days. I am highly concerned and unfortunately disappointed in the customer service coinbase is providing in such a sensitive case. I will be filing complaint in a hope that others dont have to go through the same stress associated with choosing coinbase as their cryptocurrency trating up. 
I am hoping someone will care to provide me with my case status update as soon as possible As well I have no response from tmobile after filing fraud and no help or directions or taking the responsibility for what happened what so ever
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was scammed by a XXXX XXXX seller who was running an online store on a website called big cartel. He was using a fake account by the name of XXXX XXXX and now he has changed it to XXXX XXXX. I was buying some XXXX XXXX XXXX figures from him. 

He scammed me out of {$200.00}. He blocked me on XXXX once I confronted him that he never shipped the items or provided tracking. He even attempted to delete the listing on XXXX which I noticed since it tried to delete our XXXXXXXX XXXX conversation as well. 

Until now the items have never arrived and XXXX is unreachable. I lost my money and Ive been trying to get it refunded from Bank of America for 3 months. 

Bank of America has refused to refund my money till this day. 

I filed a claim on XX/XX/XXXX and 2 months later it was denied. I filed another claim on XX/XX/XXXX explaining my situation further to BOA and trying to clarify that I was reporting fraud from the seller. But it was still denied. 

I dont know what to do at this point.
Consumer complaint received 2022-07-28
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for XXXX to block and remove these fraudulent accounts immediately from my credit report.
Consumer complaint received 2022-07-28
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. (CA)

I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. If I want to be opted out, I have the right to be opted out. VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ). A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out. The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer. See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation. VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
Consumer complaint received 2024-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (PA)

XXXX This is the follow up of the previous case above. 
I received a letter from Wells Fargo asking the same thing as I mentioned previously. I sent and attached for your review. Online they about bothering me by asking the same things I already provided " homeowners insurance contact
Consumer complaint received 2022-04-06
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: Navient Solutions, LLC. (IL)

Navient, XXXX, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. Navient, XXXX, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, XXXX  XXXX  XXXX XXXX
Consumer complaint received 2022-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I have been paying down my loan for years and have always been able to direct over payments towards the unsubsidized loan bucket. We are still in forbearance, and yet they notified me on my last payment I am unable to direct the full amount towards the unsubsidized portion of the loan. This is incorrect handling of my payment. The reason I am turning here is that it is concerning to me that they have made this change over a month out of forbearance ending. There have been five payments made this year all directed appropriately to the unsubsidized portion of the loan. This payment would not cause due dates to become out of sync because student loan repayment has not yet begun. 

I have attached the document sent to me by the loan servicer which is incorrect.
Consumer complaint received 2020-05-23
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. (FL)

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-28
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)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (DC)

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your XXXX XXXX  you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the XXXX XXXX that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Consumer complaint received 2020-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX