davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX  NY XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION (MI)

Delete Late payments from Oportun from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states XXXX ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2024-11-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (FL)

All XX/XX/2024 I received a referral email from Navy Federal Credit Union advertising that if I signed up and established an account, I would be eligible for {$100.00} bonus within XXXX business days. The person who referred me would receive a {$50.00} bonus within XXXX business days. I carefully read the terms of conditions and I did qualify for the offer. I did not receive my {$100.00} bonus by XX/XX/XXXX which would have been the XXXX business days. On Wednesday XX/XX/XXXX I spoke with an agent on the bank my phone who informed me that I had in fact met all the criteria for the offer. I was informed that she was speaking with the back office at member services and submitted a request. I was informed by XXXX XXXX the following morning the XXXX dollar bonus would be in my savings account and the dollar bonus would be in the person who referred me account. On XXXX XXXXXX/XX/XXXX. I spoke with another gentleman who informed me at the previous representative had given me false information. I was informed that he did see the request to have my account reviewed for the promotion XXXX but that it would take a couple of days. I was advised to wait until XXXX It is not XXXX day XX/XX/XXXX and I still have not received the referral bonus. Neither has the person who referred me. At this point I hate being told to wait a couple of days every time I call. Debate clearly has not met the advertised promotion. At this point I feel that it is misleading and false advertising. I did open the account successfully on XX/XX/XXXX. I did find the account successfully. The account is in good standings. I additionally also opened a checking account and a credit card with the bank and I am using them actively.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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 2022-08-16
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

SUMMARY After taking a cash advance at XXXX XXXX interest that was paid off prior to the end of the offer period, I was then charged an interest payment. XXXX months later, I received a Past Due Notice the first indication that there was any kind of an issue. The facts are simple. 

FACTS A {$25000.00} cash advance was taken from my USAA XXXX XXXX Credit Card in XX/XX/XXXX pursuant to a XXXX XXXX Offer for XXXX XXXX  promotional APR. The Offer stated : After your XX/XX/XXXX billing cycle, your regular cash advance APR, currently XXXX XXXX, will apply to these balances. [ emphasis added copy of offer attached ]. 

The XX/XX/XXXX XXXX showed a balance of {$20000.00} due XX/XX/XXXX. The XXXX XXXX showed a payment of that amount on XX/XX/XXXX and XX/XX/XXXX with a new balance of {$160.00}. That new balance was based on a balance of {$15000.00} at 13 % interest. [ Both Statements attached ]. 

I never received any notification in writing after I paid the balance shown on the XXXX statement until I received a letter in XXXX from a XXXX XXXX. I responded disputing the debt [ See attached copy of my letter ]. 

ISSUES First of all, I am being charged XXXX XXXX  vs the originaXXXX XXXX XXXX shown on the Promotional Offer. The balance was totally paid off prior to the due date of XX/XX/XXXX. This was prior to After your XX/XX/XXXX billing cycle. 

Next, if there is any ambiguity here, I would like to point out that this Offer was prepared and printed by USAA. When I made a telephone call to USAA prior to XXXX, I was informed that a payment in XXXX prior to the due date would avoid any interest charges. USAA claims that they can find no reference of such a telephone call in their records. 

I attempted to resolve this with numerous telephone calls and letters [ copies of letters attached ]. 

I received notification from my credit monitoring service that USAA has notified the credit bureaus that my payments are late. When my XXXX statement arrived, I sent a dispute letter, certified mail, in response [ See Statement and letter attached ]
Consumer complaint received 2022-07-27
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)

Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to Experian. Experian is reporting ( 2 ) Alleged Debt Collection amounts {$7100.00} and {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' : These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX or signed any permission for their company to have my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXX fraudulently obtained by private information, Experian is also participating in this fraud by reporting my private information ; This is a form of Identity Theft. 
I obtained my XXXX Credit Report from www.experian.com stating I have ( 0 ) Collections which factually provides proof of inaccurate information since it is coming from their own website Experian has not provide my their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested Experian to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided Experian noticed they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to Experian and their Registered Agent
Consumer complaint received 2024-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc. (NJ)

XXXX XXXX is XXXX bankruptcy. My solar debt was written off and then resold and is XXXX ow with National Enterprise Systems. They have been threatening me. However, I have offered to settle with them and verbally they say they accept my offer. Problem is no one at National Enterprise systems can get XXXX to agree to remove the UCC-1 filing on my home so I can sell it. I am in foreclosure. 
Calling National Enterprise Systems doesn't for me resolve the matter as they say they will get back in a day or two but never do get back as they seem unable to get someone in charge to agree to remove the UCC-1 filing in return for the payment.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Repeated call with no information from a company called Portfolio Recovery which I believe is a debt agency. Calls are from numbers which appear to local as they use our local area code. Always a different number. No identification info is given and no info re the debt. Constant calling.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NJ)

On XX/XX/XXXX at approximately XXXX am I contacted the bank about a mortgage application that we submitted. Upon speaking with the representative over the phone at the bank she insisted that she couldn't assist us. She said to call customer service before handing me over to the branch manager who claimed she couldn't assist then when pressed about the reason she whispered disrespectful remarks about us to the representative next to her that could be overheard since she had us on speak phone. The manager XXXX XXXX informed me that she didn't have to assist me even though I have a checking account with them. Meanwhile ignoring the fact she just disrespected me for asking for help. Before she hung up the phone on me I told her I am closing my account today. I proceeded to the bank immediately and requested to close my account. I demanded to speak with her supervisor and she declined and closed her office door on me to which I responded calling her useless. She refused to close my account then called the police to have me escorted out. The police told her that she couldn't call the police for simple customer disputes. If everyone customer service representative called the police there'd be chaos. 

Since nothing could be done I left the bank and proceeded to contact customer service once more to no avail. I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating the manager XXXX XXXX has used her authority to close my checking account without due process or any regard to myself and the fact that I am permanently XXXX the manager is taking advantage to avoid consequences for their actions when I requested it it couldn't be done but she can retaliate and close my account instead. Nevermind the damage to my credit score given I have a pending mortgage application. 

This should be illegal.
Consumer complaint received 2022-09-22
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX 1. Account # XXXX XXXX XXXX XXXX 2. Account # XXXX XXXX XXXX XXXX 3. Account # XXXX XXXX 4. Account # 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 without my written instructions.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (UT)

I was attempting to sell an item on XXXX XXXX, listed at {$150.00}. Someone inquired me about purchasing it, but it turns out they were a scammer. They tricked me, using the Zelle app as the mode of payment into giving them {$150.00} for them to pocket, then deleted their account and our messages. The bank confirmed it was fraud but could not find anyway to help me.
Consumer complaint received 2022-07-15
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. (AL)

In accordance with The Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

THIS DEBT WAS CHARGED OFF BUT I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEBT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CHARGED OFF, CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$5900.00}
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Submitted payments that never posted to my account. 
Changed my monthly payment and payment plan without my permission. 

They won't accept my public student loan documents even though it has been proven that I work for a qualified employer. 

They placed my loans in forbearance without my permission after I submitted my recertification for public student loan forgiveness program.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the Experian and XXXX Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the Experian and XXXX Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-18
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}