davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc (MI)

I was contacted XX/XX/XXXX by an attorney working on behalf of Military Credit Services stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of Military Credit Services ( aka Freedom Stores ) that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded XXXX and XXXX XXXX ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
Consumer complaint received 2022-03-31
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. (FL)

I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!
Consumer complaint received 2021-11-09
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. (FL)

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for Equifax, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AZ)

The issue with this company is they do not have a main support line for clients besides a digital automated system that self-replies. I have tried to find solutions for a way to contact their support line but they have the automated prompts. The issue i ' am having is uploading my new debit card to make payments. I only want to use my debit card to make payments since that is the option i'd like, they do have a second option, to add the bank routing number which I do not want to do. If I have the option of both and only want to use they debit card option, why does this keep forcing me to use my bank routing number instead? I find this strange and in no way acceptable.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Credit Corporation (WA)

Merchants Credit Association keeps reporting to XXXX that their accounts are unpaid whereas I have already paid for those accounts in XXXX and XXXX. This has been going on for months. I have filed a complaint earlier ( # XXXX ) and Merchants Credit Association responded saying they will remove all the details from Credit Bureaus. Instead they reported again to XXXX on XX/XX/XXXX about an account I already paid but they keep reporting this account and keeps adding interest to increase the amount. 

I have disputed these many times with XXXX and it's not working out either. PLEASE HELP!
Consumer complaint received 2022-08-07
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Over the past XXXX years I have made several attempts to remind CAPITAL ONE of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that CAPITAL ONE is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company. 

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. 

CAPITAL ONE failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

XXXX XXXX XXXX CAPITAL ONEXXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (MO)

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS : NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (IN)

I called into NAVY FEDERAL XX/XX/XXXX XXXX was transferred to a supervisor by the name of " XXXX XXXX, XXXX refused to start a investigation for me concerning the return of ( 4 ) remittance / coupon payments. Each payment was received BY NAVY FEDERAL XXXX XXXX XXXX XXXX VA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX They have not been rejected, dishonored or returned, NAVY federal has kept my form of payment way past conditional acceptance time period. I have called NAVY FEDERAL several times & have been met with nothing but rude, inappropriate customer service reps. They used their personal experiences & personal reasons as for reasons they will not open a case for my missing payments. this is a VIOLATION of my rights as a consumer with NAVY FEDERAL. I have been disregarded and giving no information on where to send remittances. I have done research on my own to find the correct location for my private payments with no help from NAVY FEDERAL.
Consumer complaint received 2022-06-29
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. (NY)

XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.
Consumer complaint received 2021-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC (PA)

I authorize Carvana and associates to respond to this complaint in its entirety I XXXX XXXX am a consumer under federal law no third party is involved when creating this complaint. 
I applied to Carvana with the intent to initiate a consumer transaction. After I reserved one car your company told me I could not afford the first and needed to select another I than chose another vehicle while my employer is giving me a grace period to return to work time goes by and the vehicle chosen was still not available a month later, I ask your customer service reps will I still be approved for the vehicle or if I should choose a new vehicle. They stated I would be fine. I chose a new vehicle and now I am unable to get the vehicle or able to return to work because my job requires a vehicle. We sort the matter out and moved on to verification I verified who I was with multiple documents they told me the documents could not be used because they stated Street ( St. ) instead of Avenue ( Ave. ) which the us postal systems manage that information and says it is ok as long as the zip code is a match. After I sent in all documents I called the staff so they could allow me to know if the documents were eligible for approval the guy stated yes and he approved them. Told me congratulations we will send you a congratulations email and or text letting you know your vehicle will be arriving XX/XX/XXXX. I even started an insurance policy on the XXXX XXXX XXXX with XXXX XXXX because I was given the ok that this vehicle would be mine. I then receive a cancelation email from XXXX stating they will no longer approve my consumer transaction even when I already paid for the vehicle with my signature on the promissory note or contract which under 18 U.S. Code 8 - Obligation or other security of the United States defined https : XXXX Also this was deceptive and unfair practices 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.https : XXXX2 UCC 3-402. SIGNATURE BY REPRESENTATIVE. https : XXXX # XXXX If the represented person is bound, the signature of the representative is the " authorized signature of the represented person '' and the represented person is liable on the instrument, whether or not identified in the instrument. 

I have more violations with supporting exhibits that will be used in the Affidavit Of Truth and intent letter if this matter can not be resolved.
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.
Consumer complaint received 2022-04-27
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. (MI)

In accordance to the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX. 

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

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. Z creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2022-04-13
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-12-19
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: Experian Information Solutions 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. XXXX XXXX # XXXX has violated my rights on my Experian credit report. In accordance with the FCRA immediately delete this account from my consumer credit report. 
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 2022-04-27
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. (NJ)

I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (CA)

I have a checking account with US Bank where I have maintained a balance of {$25.00} for the last few years. Under the terms of the account, the monthly account maintenance fee of {$14.00} is waived. 

Starting XX/XX/year>, a service charge of {$5.00} was applied each month until I noticed it in late XXXX 2024. I was charged a total of {$20.00} over the 4 months. When I called to enquire about this charge, I was told that my account was dormant, and the $ XXXX was the charge for a dormant account. I asked them to reactivate my account, which they did, thus avoiding further charges. However, they said they could not reimburse me for the {$20.00} already charged, even though I had not received any advance notification for my account being deactivated, nor about the corresponding service charge. 

My complaint is that I was not informed in advance about this dormant service charge, so I should be reimbursed the {$20.00} that was taken from my account. 

Possibly they do this with many other customers, netting then a significant amount in junk fees.
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX i sent Check to my landlord ( XXXX XXXX XXXX XXXX ) for {$740.00}, and on XXXX I found ou the same check # XXXX was forget to {$4000.00} to the name of XXXX XXXX to a XXXX XXXX  XXXX account ( XXXX ) .on XXXX i filled a complaint with chase bank and I been told it will take 60 to 90 days for the investigation, and I still didnt get my money even the 90 days are over. 
XXXX XXXX XXXX XXXX XXXXXXXX fraud detection call me to verify the authenticity of that check, witch I told them it was forged, they told me the the money is being hold with them.
Consumer complaint received 2021-06-02
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 reached out to Transunion multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. Transunions Union supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the CEO of Transunion. As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of Transunions question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
Transunion in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (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 15 USC 1681. 
XXXX Account # XXXX source receivables mng, 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 XXXX 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 2022-03-21
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: EQUIFAX, INC. (TX)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''