davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Approximately XX/XX/2022 I received a alert from Navy Federal telling me to change my security code at that time I did then after noticing my account I seen that there was mobile deposits in both my personal and business checking accounts. At that time Navy Federal locked my account which I was thinking was to help me. But it wasn't the case at all they close my account I submitted appeals and fraud claims waited over 3 months for response. When I finally did get a response back I was told my accounts were not going to be reinstated my credit cards are to be closed and it's no way I can possibly become a member again after being with this financial institution for over 15 years never had no issues I would just tossed to the side with no answers on why
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-10-11
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: ENCORE CAPITAL GROUP INC. (OH)

I been trying to get this MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX Off my credit report because it not my account. I wrote letters and e-mails that this wasn't mine. If you pull up my credit report you can see that I pay all my credit card bills on time without a problem. I'm sending you this complaint because I needed to apply for a parent loan for my son that's in college. I don't know what to do but tell my son he has to come home because they won't delete this from my report after I sent in several letters. I do have proof that I sent it online but I know longer have copies of the mail in letters due to a house fire that I had
Consumer complaint received 2022-11-05
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My bank account with USAA was hacked on XX/XX/22. The hackers called me on XX/XX/22 and spoofed USAA 's actual number. A month earlier, my credit card had unauthorized purchases on it. USAA called to verify these purchases, and they were indeed unauthorized. Hence, USAA canceled my credit card and sent me a new card. The credit card fraud case appeared genuine. In this case, the hackers acted like a USAA representative. They stated that my debit card had unauthorized purchases on it. I never use my debit card. After a 30-plus-year membership, I am familiar with USAA 's routine. The operator ( hacker ) sounded legit. I denied the debit card purchases the operator gave me, and then he said to continue, he would need my log-on pin. Requesting this pin is a standard procedure for USAA. Then he said he would put me on a brief hold to send me a verification text. This verification hold took longer than expected. I felt that something was wrong, so I hung up. Approximate 10 minutes later, I received a text indicating that a wire transfer was initiated from my account for thousands of dollars. My experience with wire transfers at USAA is that they need to be set up in advance. This process can take days to complete and involves small sums of money sent and received in advance between the two accounts. How was this hacker able to send a wire transfer without first set up for one? I called USAA to stop this wire transfer. By this time, I was unsure who I was talking with, the hacker or USAA. It turns out I was talking to USAA when I called back. 

Eventually, USAA was able to retrieve the wired funds. They did help me change my password information. Before this event, I changed my user and password information annually. My passwords are lengthy and complicated, and I also use two-factor authentication. The hackers had to have my user login and password, meaning USAA got hacked. USAA is not taking responsibility for the hack. I now know this has happened to many other USAA customers. USAA has stated that I should sign up for credit monitoring. I contend that USAA should pay for credit monitoring. Their institution is unsafe, and they do not own up to their responsibility.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have made several attempts to address a collection reported on my credit report from XXXX XXXX XXXX for {$600.00}. I have sent several certified USPS letters to both the collection company ( XXXX XXXX XXXX & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with XXXX XXXX XXXX XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. Experian has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to XXXX XXXX XXXX addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, EXPERIAN, and XXXX ).
Consumer complaint received 2022-04-29
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. (MD)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (MO)

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- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX 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 2022-11-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-08-11
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. (OH)

I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at XXXX and she disconnected the call very unprofessional.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am a chase customer that reported fraudulent charges starting around XXXX XXXX. There was a check deposited in the amount of about {$13000.00}. I also had many other suspicious withdrawals and purchases totaling to over {$14000.00}. I currently have no money and in the negatives. I am waiting for a temporary adjustment to have money in my account but today is technically the 2nd business day XX/XX/2021. Almost all activity happened in the state of New Jersey. I do not live in the state and have not visited there at anytime during the effected dates. I am worried I will not receive my money back. They asked about me writing down the pin somewhere and I mentioned it may have been on a paper I keep some passwords on. I think it was but it's possible that the pin was not on there after I thought about it. I plan to clear up that fact but either way, I did not authorize any of those payments. Some included {$1000.00} at a sneaker store. Multiple purchases as USPS for approximately a little over {$900.00} each. And various withdrawals at a Chase banking branch.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent this company a debt validation letter months ago and still haven't received anything, I even ask the credit bureaus to delete this debt because I have no knowledge of it, the debt amount changes on my credit report every few weeks it seem like they are trying for some kind of accuracy and according to the FTC anything not accurate on your credit must be deleted. each bureau is reporting different amounts each month and I also reach out to them for accuracy all came back verified??? how can that be if they all reporting differently please investigate!! it said {$580.00}, one month then the next it says {$580.00} every time I ask for a validation it changes even on the credit bureaus, isn't that against the FCRA.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I dont have the exact dates but Iam currently in the process of trying to fix my credit and have repeatedly field disputes against capital one multiple times in regards to changing the status of my accounts from closed. The account is paid in full and its one of the main accounts affecting my credit. I keep disputing it and have gotten no results :
Consumer complaint received 2022-04-29
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: Resurgent Capital Services L.P. (AL)

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX XXXX XXXX, LVNV Funding LLC, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mail was sent out on XXXX XXXX
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I made a request to my loan servicer, MOHELA, on or around XX/XX/XXXX for a refund of all loan payments made since XX/XX/XXXX under the CARES Act. MOHELA was not able to give me the number or amounts of transactions, or a timeline for the refund to be processed. As of XX/XX/XXXX, no changes have been made to my account balance nor has any refund been received. No communication regarding my refund status has been received. A call made to MOHELA on XX/XX/XXXX to request an update on my refund request was refused by MOHELA 's automated answering system. No means of contacting a service representative is otherwise provided.
Consumer complaint received 2022-08-10
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. (NY)

XXXX XXXX has place an incorrect charge on my account. I have tried to resolve it directly, and they refuse to remove this invalid charge from my Experian report despite the evidence. I will be pursuing further investigations. 

In the meantime I ask that this be removed from my Experian report for the following reasons : In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, Account # 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 2021-10-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc. (TN)

I received a call today, XX/XX/2021, at XXXX pm from Merchant Adjust from telephone number : XXXX ( XXXX ) XXXX. I was told that if I didnt pay the balance in full to them on behalf of XXXX XXXX XXXX XXXX that they would begin to report on my credit. The callers name is XXXX XXXX and she told me to call her back directly at XXXX and pay her directly to avoid this small balance account from reporting negatively on my credit. This is a threat and I am not comfortable with it at all. 

I am uninsured and currently unemployed so I have no way of paying this account in full. I feel this call was made in a threatening manner to have me pay her in full over the phone on the call.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (MO)

I had a loan payment due with cashcentral on XX/XX/2022 in the amount of {$280.00} that was supposed to be withdrawn automatically from my checking account. I called cashcentral on XX/XX/2022 to let them know that I can not make that payment and asked if I can pay a smaller amount of {$100.00}. I also asked to do an ACH revoke so that they could not withdraw from my account. Cashcentral agents agreed to both. On XX/XX/2022 cashcentral debited {$540.00} from my checking account which was my full remaining balance. I called my bank to have the debit removed. On XX/XX/2022 cashcentral once again debited {$540.00} from my checking account and I could not have it removed. I called cashcentral on XX/XX/2022 and they denied that an ACH revoke was even made although they have all recordings of the phone calls I made to them.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

We decided to do a debt counseling program on one credit card, XXXX. The next thing we knew the other credit cards were being closed without our knowledge. We didn't authorize them to be closed. They were all link to Synchrony bank. Isn't this considered bad business and consumer abuse.? Are we not covered by the consumer protection, and rights??
Consumer complaint received 2022-04-29
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. (PA)

I looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I called on XX/XX/20 on behalf of my husband to get written validation of his debt- the agent said that it was sent for not just one debt but a second one we didnt receive any notice for, confirmed our address, but when I asked that they be re-sent ( since we never received notice of this debt until today in a pre-legal notice, never received ANYTHING in regards to the second debt, and never requested the validation from them previously and have never made direct contact with them ), and specifically asked that they be sent certified mail, the agent was extremely hostile and aggressive, and insisted I give her an exact amount that I would be able to pay TODAY or face legal action- despite my insistence that I would need to see those validation letters to confirm the debts and the amounts, and speak with my husband about them before making any payments or promises to pay. She proceeded to badger me with personal questions like what my financial discussions with my husband were like. We still have not received these validation letters, yet am being told if we dont make a payment by XX/XX/20 we will face legal action, including one debt that we have received absolutely NO correspondence about.