davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IN)

XX/XX/XXXX IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Navy Federal Credit Union, from XXXX XXXX, XXXX, has been reporting my history of transactions on my card accounts.
Consumer complaint received 2020-07-03
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: WELLS FARGO & COMPANY (FL)

Hello! I have a Credit Card ( Platinum  ) with Wells Fargo Bank, and I am having problems with the outstanding balance of each month, since I am being charged up to {$150.00} more in each payment. And I noticed that in my last statement, where the bank is charging me {$850.00}, and when I make my own sums of what I must pay it gives me a result of {$360.00}. I tried to fix that problem with the bank, but when I called they told me that I am not paying the full balance, and that is why money is accumulating in my outstanding balance. Which is a lie, because I am 100 % sure that with each payment I make, I pay 100 % of my outstanding balance. They refused to try to continue helping me, and I even asked them if they could start a further investigation, and they refused. I need your help, because my money is being taken from me in a blatant way. If you need my personal information, and my bank account information, I can gladly provide you. But please, I need this case cleared up as soon as possible. My suspicions are that the Wells Fargo Mobile App does not record some payments I make, and what it does is accumulate and accumulate payments that have already been paid each month. In fact, when speaking with the Wells Fargo customer service assistant, I gave him that idea, so that they would study my problem further, but they refused, and they kept firm that " I don't pay my balance completely '', but it is not like that, I am 100 % that I pay every month " Everything, without leaving late payments '' Thank you very much for your help, I fully trust you. God bless you!
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been repeatedly calling me concerning an old debt that was sold to them by XXXX  XXXX, back in XX/XX/XXXX, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/XXXX. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NC)

Account type : AAA Cashback Visa Signature account by U.S. Bank NA. I did not apply for this credit card. My Identity was stole. The letter from the company is dated XX/XX/. I searched for this company on internet and couldnt find address for the company. Ph # on letter is XXXX. Called and phone just rang. If you need copy of letter please let me know?
Consumer complaint received 2023-04-03
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. (GA)

TransUnion Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, https : //www.transunion.com/credit-disputes/dispute-your-credit, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my TransUnion Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the TransUnion Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Innacurate employer on credit report. I do not work for XXXX XXXX. I work for crown which I have sent my stubs to transunion multiple times only to have it reappear.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I requested my free annual credit report for TransUnion. The company did not provide access to a free report ON THEIR OWN WEBSITE. They required that I go through XXXX. I did that and received my credit report ; however, I WAS NOT GIVEN MY CREDIT SCORE. This score is an integral part of my credit report and should be included. When I attempted to retrieve this through TransUnion, I was unable to do so without passing a payment wall by inputting my credit card information. This is ridiculous and illegal. I do not have to sign up for a paid service in order to get my credit score annually. I do not have to provide my credit card when I request my annual credit report INCLUDING MY CREDIT SCORE. Both other credit bureaus ( XXXX  and XXXX  ) provide both annual reports and scores EASILY online on their own websites. TRANSUNION IS NOT FOLLOWING EITHER CALIFORNIA OR FEDERAL LAW!!!
Consumer complaint received 2022-10-12
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX NCA # XXXX I disputed this account with the Credit Bureaus to ensure I followed consumer protocol for credit reporting errors. 
The credit bureaus provided NCA 'S information so that I could reach them directly. In addition, they notified NCA that I disagree and dispute the facts of this account and asked that it be deleted to bring my credit report back to standard. 

XXXX-NCA responded via postal mail stating that they would cease all collection efforts. Ceasing collection efforts mean they would stop reporting this false account to the credit bureaus and other parties they may have reported the information to. I have been told that this can be done immediately via an electronic request. However, I gave them 30 days to make the correction. 

XXXX I Followed up on removal of the account via fax received @ XXXX CST. 
XX/XX/21 Spoke with a rep at NCA who refused to answer any of my questions or concerns. 

As of today, XX/XX/21 NCA is still reporting this invalidated information. Even after they came to terms that this account should have never been reporting on my report. 
Even after they sent me a letter stated that they would request that the account be deleted on XX/XX/21. 

I have suffered due to their tactics and unethical behavior. I am on the verge on losing my ability to obtain my mortgage license and I will hold NCA fully accountable if I do. 

I have enclosed the letter sent to me by NCA, which verifies their claims that they would cease all collection efforts.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX Never Late XXXX XXXX XXXX- Never Late XXXX XXXX XXXX Never Late XXXX XXXX XXXX XXXX Never Late These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021, my husband I and went to BOA ATM at around XXXX to make a deposit of {$2900.00} to ATM ID XXXX. The ATM took the full amount, shown an error, and returned to normal screen. The money was never credited to my account or returned to me. We stayed around the ATM to make sure the camera captured us.

We submitted a claim, XXXX, and BOA declined the claim twice already. BOA said they SAW us deposit the money in the ATM. However, they did not find extra money in the ATM. What? Does that even make sense?

Let 's not talk about how much money was deposited. The FACT that your camera evidence shows that we brought Cash and deposited some cash to the ATM on XX/XX/XXXX AND you can't find additional cash in the ATM, there were obviously errors related to the ATM. Let me present you with a scenario, when there were errors with the ATM, it is totally possible that someone within BOA, either an employee or contractor, could have stolen the cash when performing reconciliations and knowing such error existed. Let 's say if he/she found cash on the next day, he/she could have taken the extra cash and said the cash was balanced.

Another scenario is that when the ATM is faulty, someone who deposited money next to me could have received an additional {$2900.00} when depositing their cash, making cash balanced at the end of the day. If they get extra {$2900.00} in their account than what they deposited, would they call BOA and say so? I don't think so. In this case, cash would have been balanced, and you wouldn't find additional cash because it already shows as deposits in other accounts.

There were so many things that could have gone wrong when the ATM is faulty. And when you said you can't find record of additional cash, it OBVIOUSLY means that your ATM is faulty. And if your faulty ATM doesn't allow you to do find additional cash, then you must credit your customer because it is your fault for operating a faulty ATM machine.
Consumer complaint received 2022-03-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Credit Counseling Services Inc. (CT)

CT has been sloe paying ou debt to other creditors and taking a large ut monthly for themselves. For over a year I have complained about the huge monthly pulls and how it was odd such a small portion was going to our debt. At last they were pulling {$850.00} out twice a month with about {$380.00} going to our last creditor. When I spoke with XXXX XXXX he noted we owed CT fee 's and they had a business to maintain and he had overhead as well and CT needed to be paid. We have asked to speak on this, We have had o block access to our bank account so they would stop pulling without persmission. With inflation and business overhead CT makes so that they get paid and dont want to stop. In XX/XX/XXXX XXXX XXXX told us it woudl take 15 months to pay the last creditor to ensure CT gets all it fees. We have spoken to the last creditor made a deal to pay them even less than what CT negoiated with them and they have accepted. XXXX called me XX/XX/XXXX at about XXXX yeling he had overhead adn bills and we ( CT ) is one of our bills that needs to be paid. He would not allow me to speak ot say anything hy he yelled so he was hung up on. We have asked for litigation or a meeting becaue not paying our debts and taking huge monthly fees and leaving the business stuggling is not okay and not one lien has been removed we have had to contact our Secetary of state and then contact each place to remove liens which was somehting CT was supposed to do.
Consumer complaint received 2020-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

XX/XX/XXXX my fiance ( now wife ) went to the emergency room at XXXX XXXX XXXX. She provided her insurance card to the hospital at the date of service, however the hospital failed to bill the insurance properly leading to no insurance payout. 

My wife did not hear a thing about this unpaid claim until 6 to 7 months after the procedure when a representative of the hospitals billing department mailed us notice of the unpaid claim. My wife spoke to the hospital billing department on several occassions during XXXX and provided them the insurance information for her provider at the time of the procedure but they refused to reprocess the claim with our valid insurance information at the time. 

My wife did not hear from the hospital again. It wasn't until XXXX of XXXX, when it was discovered that on a credit check for a refinance that this claim had been sent to collections and would affect our refinance. We found the name/number of XXXX XXXX XXXX and reached out to them to explain the problem and that we were not liable for the collection and asked them to remove it. My wife conducted a conference call between herself, the collection agency, and the entity that purchased her old insurance provider. The insurance provider discovered that no claim was resubmitted after the first claim had failed to go through. For this reason, the hospital didn't meet the 12 month deadline to resubmit the claim and the claim was barred. After the old collection agency spoke to her old insurance provider the collection agency agreed to let go of the claim and remove the claim from my wife 's credit report. 

It now appears that the old collection agency has sold this collection to a new collection agency and we are now again seeing an Illegitmate collection against my wife 's credit. Reattempts to continue to collect this claim after it was extinguished constitutes harrassment and predatory collection behavior that greatly affects our ability to obtain credit. 

Original creditor : XXXX XXXX XXXX Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Amount due : {$850.00} Discounted amount due : {$630.00}
Consumer complaint received 2022-06-23
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. (FL)

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

XXXX  Bank and all the Credit Reporting Agencies XXXX, TransUnion, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in XXXX XXXX.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}