davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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: NAVY FEDERAL CREDIT UNION (FL)

I filed a dispute with Navy Federal Credit Union ( NFCU ) at my local branch on XX/XX/XXXX for an unauthorized amount of {$320.00} which appeared on my credit card statement on XX/XX/XXXX ( see attachment ) .. NFCU never replied -- by phone or correspondence for this charge that was placed on my account on XX/XX/XXXX, despite frequent phone calls and inquiries from me to resolve this matter. By FCRA and CFPB, NFCU was supposed to send me a letter stating that they were in receipt of my billing dispute within 30 days, and they were supposed to complete their investigation within two complete billing cycles of receiving the dispute ( which generally means two months ) and can not take more than 90 days -- this did not happen. When I contacted NFCU on XX/XX/XXXX to inquire of the status of this dispute, they " supposedly '' were preparing a letter, but six weeks  later I never received a letter. Also, none of NFCU 's Customer Service Agents can " read '' me a letter or " email '' a letter to my email address because nothing was ever prepared or sent.. The funny is that I have been receiving promotional offers and my regular billing statements from NFCU with no problem, but this letter from their Dispute Department " keeps getting lost '' ( so they say! ). They were supposed to investigate and respond by XX/XX/XXXX, and now it is over 130 days since I submitted my dispute. When I contacted NFCU on XX/XX/XXXX, the CSR " offered to resubmit my dispute '', but I refused since this dispute which was opened on XX/XX/XXXX, is clearly in my favor because of NFCU 's failure to respond AND correspond to my dispute in a timely manner as required by FCRA and CFPB. 

For these reasons and by my consumer rights, I am demanding that this unauthorized and fraudulent charge of {$320.00} be corrected and removed from my credit card statement and to credit my account with {$320.00} and any related finance or other charges, and send a correction notice.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy. 

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX - XXXX - XX/XX/XXXX - {$970.00} INQUIRIES : XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please delete and block these accounts from my credit for XXXX, XXXX XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-07-17
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (NV)

Received a call from Phone # XXXX, Caller ID XXXX XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX at my business. Did not recognize #, sent to voicemail. Left the following message : " XXXX. If you are ... .. ( unintelligible, muffled inserted voice ), please continue to listen to this message. There will now be a 3 second pause in the message to allow you to disconnect the call. By continuing to listen to this message you acknowledge that you are ... .. You should not listen to this message where other people can hear you as it contains private to personal information. There will now be a 3 second pause to allow you to listen to this message in private. Please do not hang up. This is ACEI calling regarding a personal business matter ACEI is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please press 1 now to speak with a customer service representative. Alternatively, you can contact our office at XXXX or XXXX. You may also go to " resolvemyaccount.com forward slash ACEI for assistance. '' End of message. 

I DO NOT OWE ANYONE, ANY MONEY. This caller is a harasser trying to obtain my private information. An internet search on XXXX XXXX  XXXX showed that this company has been harassing people since XXXX and they continue to do so in XXXX. Why can't the authorities stop these thugs from taking away my productive hours from operating my business? I am also going to post this on 800 notes.com for others to see.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

I sent a payment thru the mail and When they processed it They Withdraw {$380.00} and That emptied out my checking account!! I contacted the customer service number and I was told Their expedited my refund in one to two business days!! I spoke to supervisor everyday!!! When that happened to me I started calling back every day and getting the same answer it's been taken care of!! Finally it was processed on the Third Day with the Stipulation that now I have to wait another one to two business days!! So on the Fifth day I contacted Executive office and spoke with associate and they said they would investigation because I owed family for over draft protect of {$300.00}!! I owe co-workers money for gas to go to work!! I needed {$100.00} for life savings medicine!! Ten days later I get refunded for the wrong transaction of my payment!! The associate contact me stating she would handle the extra money I had to acquire because my checking account has been emptied out!! No one has made any progress to pay back my extra expenses because of the company mistake!! I have written to the CEO of the company and theirs been no response yet?? I need someone help with this unwanted financial Burdens!!
Consumer complaint received 2022-07-18
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. (FL)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-09
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 had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX  back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX  and Transunion still will not remove this incorrect information.
Consumer complaint received 2019-05-22
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: Lending Club Corp (GA)

Lending Club.com is reporting me delinquent. I have no knowledge of this account. I did apply for a loan with them a while back but they verbally told me I was denied as they needed additional information to verify my identity and they would contact me back ; I never heard back from Lending Club.com
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (MI)

Please reopen complaint XXXX. The company, Ally Bank, didn't to respond to our complaint that their automated system failed to work - rather, Ally reiterated WHAT HAPPENED 'because their automated system didn't work '! In addition, their system sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX As a consequence, we were not even informed that their automated payment system failed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (FL)

I responded to a promotional offer to apply for a PNC Cash Rewards Visa Credit Card. The offer was a {$200.00} cash bonus for a {$1000.00} spend within 3 billing cycles of account opening. I complied with all requirements. I have made multiple phone calls to the call center regarding non-receipt of this bonus. I have a dated/timed screenshot of the offer on the website. To date, I have not received the bonus, nor any satisfaction with plans to address. The only response has been we will file a compliant for you. I do have a screenshot available for your review as well credit card statements confirming my compliance with all offer requirement.
Consumer complaint received 2019-05-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer  XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX. 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my TransUnion credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.
Consumer complaint received 2019-05-22
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. (AP)

Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

MY COMPLAINT IS AGAINT BULL CITY FINANCIAL SOLUTIONS! 

They have posted several times on my credit reports and I lived abroad from XXXX, so its impossible for them to have put this on my credit. I then found out in 2016 from the IRS that my identity was stolen, however the IRS does not tell you the details of the investigation only that its resolved or not. Throughout the years they have no been able to provide proof to verify, and I have never entered any contracts with them. They also have posted the same bills 2 or 3 times with same amounts on my credit reports. IF this does not get resolved immediately I am seeking legal action as this has affected my life. I have a passport to prove i live out of the country as well as several articles written about me in the country I lived.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 I have tried to Freeze my account with Equifax, which they have made it very difficult to do so even after I have provided multiple security questions to identify myself. I am also not able to log in to the online account to Freeze my account myself as the rep XXXX ID # XXXX stated he had unlock my account which I still could not login into. This is very unacceptable as I have tried several times with different reps to have my account frozen and been given the run around.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

They need to take XXXX XXXX XXXX account off her Trans union credit bureau never put XXXX XXXX XXXX account never put it on again as And you need too stop block both of us telephone number so we can solves XXXX XXXX XXXX  account because you are not solves both of us credit bureau reports
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-12-14
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)

I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-11
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: BARCLAYS BANK DELAWARE (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX, Barclays Bank, and XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2018-12-18
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)

Again I come to you, because the agencies are not help me with this even after I applied all my documents and reports. Please review this information again. over the last two years I have been fighting the banks and credit agencies for fraud information on my account. I am still fight them on these issue. Here attached is a copy of my original report. The accounts are charged off and sold to credit collection agencies now. 

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since XXXX. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all three credit reporting agency and alert was placed on all my credit reports with all 3 agencies. I complained to each lender and as of this day I file this report back in XXXX until this day I have gotten any resolution and all those accounts are still open in my name and are chargeoff on my credit which is very damaging at this point after 30 years in the military and coming up on retirement now. There was never a resolution to this matter. None of the company can provide me with any evidence that I ever signed for anything with my original signature. I have my military location an time these report and credit was established. I have disputed with creditors and the bureau 's take this information down. I submitted the attachment back in XXXX to your board and nothing ever happen at the credit reporting agencies.