davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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: NAVY FEDERAL CREDIT UNION (NC)

This is about the XXXX XXXX XXXX  initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution.

2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ).

Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.
Consumer complaint received 2022-06-08
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: Professional Placement Services, LLC (WI)

I have sent a certified letter to this company- to the address listed on my credit report for this company. The company did not provide any back up documentation.I called the company- also the number listed on my credit report. They were unwilling to remove the debt from my credit report even though they stated they did not have all the documentation they needed to legally prove the debt was mine and collect the debt. I filed a complaint on Consumer Financial Protection. The company stated they were sending all the info requested. I have yet to receive the info requested from back on XX/XX/2022. I believe the company is lying about their address information, as well as, is not sending the appropriate documentation to collect the debt, yet isnt removing this from my credit report.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022 we had {$20000.00} stolen when Check # XXXX The Huntington National Bank for {$2500.00} payable to XXXX and XXXX was stolen and altered to {$20000.00} by XXXX XXXX XXXX endorsed by XXXX and cashed by XXXX XXXXFiled police report at XXXX, Ohio Police Department XXXX # XXXX on XX/XX/2022. 
Filed fraud report with Huntington Bath, Ohio branch on XX/XX/2022. 
Wrote a letter of complaint to XXXX XXXX, Regional President of The Huntington National Bank, XXXX, Ohio. 
Filed fraud report again with XXXX XXXX, Ohio on XX/XX/2022. 
Huntington filed an altered check claim with XXXXXXXX XXXX  on XX/XX/2022. 

Both bank fraud departments have received the documents, sometimes more than once.
Consumer complaint received 2022-06-08
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. (IL)

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 Account xxxxxxxxxxxx XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account xxxxxx XXXX XXXX XXXX XXXX  Account xxxxxxxx XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account 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.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, two amounts of XXXX $ and XXXX $ were withdrawn from my Well Fargo saving account for a person who as not registered in my XXXX contacts. That same day I filled a claim with the Wells Fargo Bank Claim # XXXX. Claim # XXXX. Also, I never made XXXX from my savings account. Additionally, the Bank never sent me any type of message to notify me about the transaction. 
I have been a victim of fraud and Today XX/XX/2022 the Bank tell me that they will not return my money.
Consumer complaint received 2022-10-26
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. (PA)

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 : # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXXXXXX 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.
Consumer complaint received 2022-06-08
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. (MD)

This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX XXXX my credit report in the amount of {$360.00}. 

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy '' My right to privacy has been violated and I have reached out to this company. 

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.
Consumer complaint received 2022-09-18
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. (NJ)

During hurricane Sandy XXXX University promised an educational experience at their satellite campus in XXXX XXXX, NJ. The site is was regularly absent of employees. I was displaced due to hurricane Sandy and submitted withdrawals in a timely manner. XXXX owes the repayment of this debt because it doesnt belong to me. The institution did not do their due diligence and XXXX University is defrauding me with their inaccurate claims and its affecting my private life.
Consumer complaint received 2022-07-29
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 Reporting act 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
Consumer complaint received 2022-09-18
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. (GA)

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

The original creditor has been satisfied with the return of telephone equipment that you never signed for. I have a XXXX balance with XXXX and the collection agency is using XXXX, XXXX XXXX and XXXX to bully a payment from XXXX consumer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX reported by XXXX Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Consumer complaint received 2023-05-23
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. (MD)

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (KY)

Money was taken from my checking account as a preauthorized debit in the amount of XXXX on XX/XX/2022. Money was paid XXXX Services. I did not authorize this transaction. I contacted XXXX XXXX first. XXXX states no payment was made on account in my name for that amount or any amount even close to that. They state I have never even had that high of a balance. The last payment from me on an account owned by me was in the amount of {$15.00} on XX/XX/XXXX. I filed a fraud claim with PNC after speaking with XXXX customer service. I was told by PNC representative that my money would be refunded and in my account by XXXX XXXX. When that day came and went with no refund, I called PNC again. On XX/XX/XXXX, I spoke with XXXX XXXX at XXXX. She said she would look into the matter and call back within two days. I did not hear back from XXXX so I made numerous calls in an attempt to reach her only getting voicemail. XXXX returned my call this morning. I was told fraud claim denied because I have a XXXX account and to take it up with XXXX. Called XXXXXXXX again. There is no such payment on an account i my name. XXXX restated that PNC is responsible for refunding the money
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. Equifax XXXX XXXX  XXXX ) and XXXX XXXXXXXX XXXX This is a matter of serious concern regarding my personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n.
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account 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 602 A. Section 2 : It states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : 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  Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts listed.
Consumer complaint received 2023-02-14
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. (GA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report, please remove/block any items listed on my credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XX/XX/XXXX