davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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: NAVY FEDERAL CREDIT UNION (IL)

( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU NAVY FEDERAL HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the Internal Revenue?

Did you file any of the following debts on NF taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income NF is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes.

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income.

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity.

15 USC 1681s2 : Says you NF are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

In XXXX of XXXX, my home was burglarized and personal information along with account details, cell phone and other items were taken out of my home. I reported this to the police and credit reporting agencies. I also reported this to Commenity Bank/ XXXX and provided them with police reports. This creditor charged my account off and sold it to a debt collector. I contacted the debt collector and was advised they investigated and deemed my account as a fraud takeover and stated I was not responsible for the charges and that they are not reporting or seeking payments due to my account being fraudulently used. I contacted Comminety Bank/XXXX XXXX XX/XX/XXXX and advised them of what their debt collector told me. I spoke with an agent who stated her name was XXXX ID # XXXX. She said it wasn't anything she could do and that it will remain on my credit report because their files list it as a charge-off. 
Comminety bank/XXXX is still reporting the account as charged off and it is drastically affecting my credit report, and should not be reporting any charge-off as this wasn't due to my own doing. They refuse to remove the account and continue to verify the account as accurate according to their files, despite knowing the account was compromised through fraud.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I froze my credit with Experian several years ago. I have since changed my phone number associated with the account. When you call in, there is no way to get to a live person to unfreeze your account if you don't have your original number. 

Through incredible persistence, I was able to hound the corporate office through numerous phone calls until I got a live person, but this took well over five hours. Many times when I called the corporate office, I would explain the situation and they would just transfer me back to the robot. Finally, I was able to get a person who had some sympathy and transferred me to a real person. 

It may seem that poor customer service is not something that this agency deals with, but I would suggest that a group that has so much power of peoples ' lives have some responsibility in assisting them. 

I highly recommend that your office tries to call and see for themselves just how ridiculous and frustrating this company is to deal with. I can't imagine how someone who is less technical than I am ever gets help.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/XXXX, a scammer cheated us out of {$300.00}. Since this was XXXX XXXX, I called immediately the next business morning to put a stop to the charge. 5/3 Bank said they could not stop the charge, it had to clear, then they would try to get it back from XXXX. The scammer made it look like I was working with XXXX to get my money, but instead were able to get {$300.00} from us. On XX/XX/XXXX, XXXX gave us back the {$300.00} provisionally. Today, XX/XX/XXXX, the {$300.00} was removed from our account. They stated that they could not retrieve the money from XXXX, so they took it back from us and basically said, Oh well. We have asked to appeal this and they said they would reopen the case. This process could take another 30 days. They are not working with us or protecting us as they should as our financial institution. We have been with them for over 5 years and never had an issue like this. We sent them all the screenshots of the scam, as well as the case and report numbers we have from our local police department ( XXXX XXXX Police Department ) with a detective on the case, and the Federal Trade Commission.
Consumer complaint received 2021-02-03
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. (NJ)

I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Consumer complaint received 2023-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Our mortgage company ( Carrington ) did not make our home insurance payment. We paid in advance when we refinanced and make monthly insurance payments through Carrington as part of our monthly payment. 

Our insurance company ( XXXX XXXX ) cancelled us in the middle of a roof repair for non-payment. Both companies go back and forth about who's error it was. Our home has been hit by several winter storms and the roof was never completed by the contractor because they could not get a response from XXXXXXXX XXXX 

The ceiling in our kitchen, living room and downstairs bedroom has flooded and ruined the drywall and flooring. We make our payments for both the home and insurance. Countless calls to both companies with no resolution. We can not afford to pay for the damage that keeps accruing. We opened the roof claim in XX/XX/2023 and the insurance said the roof was a total loss. We paid the deductible and started the work. Our contractors attempted to contact XXXX XXXX in XX/XX/2023 and told we had been cancelled. We called our mortgage company and they overnighted a check. The check was not in the full amount and we have yet to see any funds returned to our escrow. Carrington is now sending threatening letter and forcing their insurance on us, which is increasing our mortgage. Carrington also states they are not responsible for the damage to our home.

We really need some help. We have an FHA loan and are on a fixed income. With XXXX kids in college, we don't have the funds available for a lawyer or repairs. Thank you for your time and consideration. 

Respectfully.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION (IA)

I was involved in an accident back in 2029 the car was considered totaled the company said it was considered a repossession and told me they fixed the car and said the price they sold it for covered the loan amount I still had. The account was paid in full as it showed even ok the report along with credit XXXX and XXXX. Every few months after that it gets added back to my account were my credit drops by XXXX points then I have to dispute it and it gets dropped. It happens every 6 months and Im getting tired of having to report it over and over and the company is no help saying theres no record of it at all in their system and they refuse to even put a manager on the phone and hang up when I try to contact them.
Consumer complaint received 2023-03-04
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)

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to XXXX  with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all XXXX XXXX  accounts removed from all three credit bureaus immediately
Consumer complaint received 2023-03-04
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. (AK)

I requested from XXXX XXXX, Experian and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (IL)

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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

regarding account # XXXX claiming I owe {$3400.00}. 
This is not my debt, it has been years and many attempt for me letting Wells Fargo know and to remove from my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-06-14
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. (TX)

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX  XXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N
Consumer complaint received 2024-10-11
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (MI)

I have

a 2 part complaint about the same company. 1 ) This complaint is about two accounts from the same company in concern of what's being reported on all 3 of my credit reports. From my understanding, they are past the Jurisdiction for negative reporting and also trying to stay active for much too long. It is being reported by EDFINANCIAL. From my understanding, these have passed the Jurisdiction for negative reporting. They both have the same open date of XX/XX/XXXX. One account is an ESA-ED account ending in XXXX and is closed ( with an active date that doesn't end until XX/XX/XXXX! ), and the other one ends in XXXX and has a balance of {$580.00} and reports until XX/XX/XXXX! ). 

2 ) Throughout the life of the loans mentioned in this complaint, I have XXXX  twice for a total of 27 months, and I had a XXXX XXXX   happen, that caused me to be XXXX  XXXX  from the XXXX. In terms of dealing with this company, veteran 2 years shy of a decade, they made things so difficult. When I joined the United States XXXX in XX/XX/XXXX and I enlisted for the XXXX Loan Repayment Program ( which pays loans as long as they don't exceed {$65000.00} ). Upon my second XXXX, I noticed that the XXXX did not uphold their end of the deal in my enlistment and had to contact them. Fast forward to recent times, in trying to remedy it, they made things so difficult in terms of trying to understand why I have this OLD balance when I enlisted for the payment to be taken care of. I did everything they asked, contacted XXXX HR, and got proof of payment, sent in my XXXX with my XXXX years. If it weren't for some things I had stowed away at my grandmother 's house, I may have never found orders. It was nearly impossible to reach out to my prior unit, and I had to depend on the possibility that any soldiers that may have to know me from XX/XX/XXXX-XX/XX/XXXX may be there, and say they remember and recognize me and see if they had a copy of the orders. How is that fair, you can't assume that all soldier with in the same unit remain in contact with one another indefinitely, because that is the only hope one would have in matters like that. 

I also tried to ask, what were my rights XXXX, because I had a XXXX XXXX  and was not able to work for a while, and that I had supporting documents, they told me, that I should've said something when it happened. When I asked " how could I, I was XXXX  and going through a lot XXXX  and was in and out the hospital for a while, I wasn't able too, but I have supporting documents orders and medical records '' the response was the same. How is someone thinking about these things when they are XXXX  and getting medical treatment.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX three ( 3 ) Fraudulent charges were debited to my checking account via debit card account. I did not authorize in anyway these charges and alerted TD Bank that these 3 charges are fraudulent and put in dispute. Charges were {$260.00} XXXX {$500.00} XXXX {$300.00} XXXX XXXX. 
I have held account at original Bank XXXX since XXXX which then later was purchased by TD Bank. I had been a customer for 14 years. I personally went to a TD Bank branch and submitted Claim. Subsequently the claim was denied and TD Bank representatives asked if I wanted to re-file claim which I did 5 times since initial claim and each time claim was denied.. Denial reason was TD Bank confirmed reaching out to Merchants and the merchants confirmed chip card was used. I advised each time impossible because I was in possession of Card and indicated that TD Bank re-review my statements because the statements indicated the card in my possession was used in XXXX XXXX XXXX XXXX by me on the same date XX/XX/XXXX, paying for Hotel and getting Cash from an ATM. I was not in the United States to make such transactions. On the XXXX dispute submission I was instructed that I should get a police report which I did and was given to TD Bank in XX/XX/XXXX. Dispute was then denied again.. TD Bank sent me notices and closed my accounts in XXXX, XXXX. In the interim I reached out to all 3 merchants, XXXX responded by sending notice that TD Bank is only authorized to settle dispute and refused to provide details and XXXX, no response. XXXX did follow-up and I received notices from the Executive offices as XXXX researched and advised me TD Bank had never contacted XXXX in reference to this Claim and upon review determined indeed it was a fraudulent charge.. XXXX returned the funds to TD Bank but having closed my account I was not contacted advising funds had been returned. I was not aware so when I called XXXX at the beginning of XX/XX/XXXX it was advised to me the funds were returned and TD Bank made me get a reference number to find funds at TD Bank. TD Bank then returned in cash to me those funds but denied any reasonable correlation to XXXX for the XXXX and XXXX charges and advised me they would not return and if I wanted to pursue further I should seek legal means..