davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (NM)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX  Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( XXXX mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX days late XXXX
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

NAVY FEDERAL EMPLOYERS TOLD ME THAT ( MY SECURE CREDIT-CARD ACCOUNT ENDING IN XXXX ) WAS CLOSED IN XXXX XXXX FROM MY BANK STATEMENT IN THE AMOUNT TOTAL {$1100.00}. 

BUT STILL HAS IT AS A OPEN ACCOUNT ONLINE WITH THE BANK AND CHARGING ME INTEREST 18.00 % FOR SECURE CREIDT CARD. HAS BEEN RECEIVING PAYMENTS OF AMOUNT {$20.00} DOLLARS EVER SEEN IN STILL MAKING PAYMENTS TO BALANCE OWED. TRY TO RESOLVE THE ISSUES WITH A MEMBER OF NAVY FEDERAL MANAGER. WHO HANG -ON DOING PHONE CALLING CONVERSATION TO FIX THE PROBLEM. NAVY FEDERAL HAS IT REPORTING AS XXXX OF BALANCE AMOUNT {$100.00} ON MY CREDIT REPORT. 

AS A REMINDER THAT I PAID CASH IN AMOUNT {$1000.00}. TO OPEN A LINE OF CREDIT IN NEVER WAS PAID BACK THE AMOUNT $ 1000.THAT OWED TO ME.

TOLD BY MANAGER OF NAVY FEDERAL THAT ACCOUNT XXXX WAS EXPIRING DUE DATE. THE CREDIT GRANTOR CLOSED MY ACCOUNT AND DID'NT WANT TO RENEW MY CREIDT CARD EXPIRING DATE AND DIDN'T ASK ME OR MAIL ME ANYTHING WHY.
Consumer complaint received 2022-12-05
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and Chex Systems has a current police report on file with my Chex Systems Consumer Report ID : XXXX. All the reported information and inquiries viewed by others from XXXX XXXX to XX/XX/XXXX currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries viewed by others. I have not applied for any checking or savings accounts with any bank or credit union. The credit inquiries from XX/XX/XXXX to XX/XX/XXXX is not my inquiries viewed by others or reported information. The reported information of me having a previous checking account with XXXX XXXXXXXX XXXX  and XXXX XXXX is inaccurate and fraudulent checking accounts. I have never applied for or had any checking account with XXXX XXXXXXXX XXXX or XXXXXXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ROBINHOOD MARKETS INC. (RI)

On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. Apparently when XXXX XXXX received the check and cashed it. The check was then returned and stamped as refer to maker. Apparently XXXX XXXX never received the funds and they reversed the loan payment from my account. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that XXXX attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXX XXXX  on XXXX while the second endorsement was returned by XXXX XXXX finance. I have attached multiple documents from all parties. The final result is that the money was deducted from my Robinhood account and never credited back to my account. The check never cleared with XXXX XXXX and I have lost this money.
Consumer complaint received 2022-09-28
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (CA)

XXXX banking app held up my deposit of XXXX and would not resolve that matter I filed a complaint with XXXX and I. Retaliation they closed my account and I still don't understand what there doing with the XXXX I had my husband deposit into my account I have proof XXXX XXXX deposited the funds I to my XXXX banking app account. Please help
Consumer complaint received 2022-09-01
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 2023-02-06
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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: WELLS FARGO & COMPANY (FL)

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 FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX WF CRD SVC XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2022-09-21
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 2 accounts with high balances of {$4500.00} and {$500.00}, 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 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example two XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (MA)

I was on forbearance throughout XXXX because I lost my second job. Then on XX/XX/XXXX I became XXXX. 
FHA assisted paying my arrears. When I called XX/XX/XXXX to pay my monthly payment they said that the monies left over from FHA covered it and I was all set. 
Now, I am receiving a mortgage statement of {$4700.00} for XX/XX/XXXX. It states that I am behind for XXXX, XXXX and XX/XX/XXXX. 
I called them every month ( sometimes many times ) and they never mentioned this to me. I think I have been scammed. Arvest Central Mortgage misrepresentation at its best. 
Please advise. 
Thank you
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XX/XX/XXXX, I called EdFinancial and requested a refund on my student loan account for my most recent payment of {$21000.00} made on XX/XX/XXXX ( during payment pause. ) I was assured that this request was confirmed and the payment would be refunded. I called back on XX/XX/XXXX because no activity is showing on my account. I was advised that a refund will take 150 days. This is not reasonable.
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NE)

I was selling a locker on XXXXXXXX XXXX and the person messaged me on XXXX XXXX asking about it. They said that the only way they could pay was with Zell when they sent me the {$200.00} on XX/XX/XXXX I said that was fine because my bank uses that but then I received an email that said they needed to send an additional {$200.00} so I can get my money but I needed to send them the {$200.00} back after my account was made I tried multiple ways to send them the {$200.00} including Zell XXXX, and finally sent the money via XXXXXXXX XXXX when I sent the {$200.00} I received another email from Zell stating I needed to send {$500.00} so I can get my money but I had to send it in increments of {$200.00} {$200.00} and {$100.00} so again I did this through XXXX XXXX and received another email stating I needed to send {$1000.00} at that point I knew this was a scam and I was telling the person that it was a scam but they were adamant I needed to send {$1000.00} which I did not. I have tried disputing this through my bank, and through XXXX XXXX, without success, Zell will not help me either even though they were the original people please help me getting my money back. I am out {$600.00} due to the {$100.00} never went through my bank.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 USC 1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Consumer complaint received 2022-08-29
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. (MI)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : 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
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation (NY)

I received a deposit XX/XX/2022 for my work at a temporary job I got accessing by my uncles XXXX  account. My bank Albert rejected funds on the deposit withdrawal date of the XXXX because the deposit was wrongfully placed in my uncles name. I requested for my bank to send it back to the issuer which is my third party employer which they refused. Even after letting XXXX know about the situation they are unable to access 1099 paystubs for temp workers such as me due to their third party payroll system. I have sent ALBERT information they requested to accept the deposit provided by my employer. My bank Albert has held the deposit still and although notifying them of all my resources available from my employer. The deposit confirmation previous deposits with my name and hours worked. XXXX management conversation an a selfie of my uncle with his ID. I am thoroughly disgusted with the practices and service recieved from ALBERT
Consumer complaint received 2022-09-19
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. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX 3. DEPT OF EDXXXX Account # : XXXX 4. XXXX XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX Account # : XXXX 7. XXXX XXXX XXXX XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 9. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXX Account # : 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