davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the credit reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. 

On XX/XX/XXXX I finally had enough of Navy Federal 's abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. Navy Federal Credit Union sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violation I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They have 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice will be validated. 

I called the debt collection department at Navy Federal today at XXXX XXXX  and spoke to someone who identified herself as XXXX XXXX. She would not provide me with her ID #. I called to get a status on the demands in my cease and desist notice. She asked what did I want a update on. I told her I wanted to know had you contacted the credit reporting agencies to remove the Navy Federal account off my report. She told me, " no because the account is verified that you owe the debt ''. She also told they could not remove an account off my report. I told her that is not true and that if you can create an account you can remove it. I also asked her about the file I requested. She told me I needed to send them another notice to remove the cease and desist before they could send me my account information. I know what she was telling me was not true. At the beginning of the call she informed me that the call was being recorded. So, there should a recording of her giving me false information. 

I had attached a my notice and their response to this complaint.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On the XXXX, I use a online realtime transfer to send {$2800.00} to my XXXX XXXX XXXX XXXX XXXX, and the money never arrive destination. 

XXXX XXXX XXXX is merged to XXXX XXXX  now, I called XXXX XXXX  many times, they insist Chase bank need to start dispute, there's nothing XXXX XXXX  can do. 

And Chase bank also confirm everything is correct on their side, and not willing to start an investigation or dispute.
Consumer complaint received 2022-02-04
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: American Credit Acceptance, LLC (NC)

Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : 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 XXXXXXXX Balance Owed : {$0.00}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (GA)

I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (TX)

There was not an option for this in its entirety, so please see below : I received a call from Credence Resource Management , LLC referring to a debt I have no acknowledgment of, other than the fact that a different collection agency recently, illegally added the account to my credit report. It has since been removed after disputing the account for 1. not belonging to me 2. not following FDCPA New Regulation F.

I explained this information to the male who called me from Credence Resource Management , LLC and advised him that his company most likely purchased bad information. He became upset with me when I asked for him to mail me the information he had on the account, and to ensure the information he sends adheres to the New Regulation F guidelines.

Following, he said, " No, I'll just report it as fraud. Have a good day. '' and disconnected the call. Within a couple minutes, I received an alert from XXXX, notifying me that a fraud alert was placed on my XXXX report. I never requested this, nor did I say I was a victim of fraud. Now I am having to spend time trying to repair this issue so it does not negatively impact other businesses I am engaged in.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, I discovered that my personal credit file has been given inaccurate information. The XXXX and TransUnion Credit Reporting Agencies continued to report unverified information without offering any of the legal requirements ' needed substantiation, in violation of the Fair Credit Reporting Act, 15 USC Section 1681i. The 2Credit Bureuas have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXX XXXX XXXX XXXX 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 — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (IA)

I wrote a check to XXXX XXXX and had it was declined. I was shocked as I have had my account for almost 20 years and never had a returned check. When I called Certegy, the company used by XXXX XXXX to " approve ' the check, I was unable to reach a live person for a response. I then went online and the response indicated there are several factors and that ultimately XXXX XXXX is responsible for the check cashing guidelines set ; however, I could obtain 'more information ' but they would need items such as my social security number to provide that. My social security number was not used in making this transaction/decision and should not have been a factor or needed to provide a response. 
I then contacted XXXX XXXX and requested a written copy of the guidelines set by their company and was unable to obtain a copy. XXXX XXXX indicated that Certegy for was wholly responsible for the guidelines set. 
As previously stated, Certegy 's response was vague and did not provide guidance related to the specific reason for denial and how it pertained to my prior check writing history. Certegy ultimately put responsibility back on the retailer. I did not consent to Certegy obtaining any of my personal information so it is unclear what information they used and how it was used and I did not feel comfortable providing information that I did not provide to make the check writing decision so that they could provide additional information. My prior history writing checks at XXXX XXXX, the length of my deposit account and my check writing history would not be a reason for denial as I have never had a returned check to XXXX XXXX or on my account. 
Certegy Reference # XXXX Date XX/XX/2023
Consumer complaint received 2022-04-05
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. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX  is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX  complied with this requirement.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX a charge of {$290.00} generated on a XXXX  at XXXX a.m showed up on my BofA XXXX statement. It showed the merchant as XXXXXXXX XXXX XXXX AZ. I called BofA to report that I have never been to that restaurant and the charge was fraudulent. Long story short, BofA denied my claim saying the merchant provided receipts ( no signature on receipts ). I called XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AZ and spoke to XXXX. She said 1 ) they don't use XXXX  2 ) they don't open until XXXXXXXX XXXX. ( not XXXXXXXX XXXX. ) 3 ) there is no charge for {$290.00} on XX/XX/XXXX 4 ) they did not generate the receipt or invoice that BofA based their denial on. I know there is a XXXX  scam going on and I am disappointed that BofA was not aware of this. I am also disappointed that BofA denied my claim as we have had our XXXX  XXXX XXXX through BofA for over 20 years and something like this has never happened. They never even contacted the restaurant to verify the charge.
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX
Consumer complaint received 2022-05-30
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. (PA)

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed for unemployment benefits with CA EDD in XXXX and had been unsuccessfully trying to get ahold of a live person for 8 months before returning to work and giving up completely. Then once I was laid off again due to Covid, I attempted to contact EDD in order to discuss my claim and why I was able to certify but had never received a payment. At the end of XX/XX/XXXX I finally reached someone at EDD who explained to me that all of my payments had been issued to my Bank of America account... 
An account that I didnt know I had, with a debit card Id never received. I contacted Bank of America immediately to find out how to access MY funds. Just to be told that my account had been depleted and there was no money. BoA sent out 4 cards to an address where I do not even live. I never received a card nor did I have knowledge of an account with BofA. A claim was filed and I was told Id be notified by mail the outcome of an investigation. My claim was denied a few days later with the basis that some of the charges were over 365 days old therefor Im responsible for all of the charges. HOW IS THIS POSSIBLE?! I had NO knowledge of this account so how can I be responsible for it? How is it possible for b of a to tell me I am responsible for money I never even received and then refuse to give me back the money that is rightfully mine and stolen by someone. If Bank of America did their investigation properly then they would know that NONE of those charges made on debit cards they sent to the WRONG address, were made by me. I was never issued a provisional credit during the investigation and the reasoning of because the charges were made over 365 days ago being why Im denied MY MONEY, is unfair and misused considering I was NEVER AWARE I even had money in an account with them. And what about the visa zero liability policy? There are 4 claim numbers total. 

- 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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, I discovered that my personal credit file has been given inaccurate information. The Experian and XXXX Credit Reporting Agencies continued to report unverified information without offering any of the legal requirements ' needed substantiation, in violation of the Fair Credit Reporting Act, 15 USC Section 1681i. The 2Credit Bureuas have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-10-26
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: Adler Wallach & Associates, Inc. (CA)

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint AWA continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Consumer complaint received 2023-08-18
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: CLGF Holdco 1, LLC (GA)

There is a XXXX late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/2023, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this XXXX late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NY)

I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : EXPERIAN 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 2022-07-15
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.