davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am having a problem with Equifax supplying and releasing a credit report with someone pretending to be me. It's been a year since I first wrote Equifax the first of the letters demanding they remove the names on my report that are not my names. 
Three months ago I attempted online to receive my credit report via the internet and I was denied. I was told I can not have access to my credit report online and I could only receive it by mail after I mail in several items such as a current utility bill, copy of my driver 's license, and my social security number. 
I have not done this yet because I do not feel comfortable with supplying all the information that is asked for. On XX/XX/2020 I received a mail from XXXX. XXXX   XXXX XXXX, GA XXXX the postage is paid by XXXX XXXX XXXX. It is addressed to a variation of the spelling of my name ending in a Y. I have never used this incorrrect spelling for my name because it is not my name. 
This tells me there is a person ( s ) Equifax is aiding in identity theft.My information is being used for credit and or transactions I have not sought. my information is being used by someone pretending to be me to have this fraudulent credit report mailed to my home as if I had done it. This is also mail fraud and I believe it is my best interest at the very least for Equifax to furnish me with complete disclosure, details of the reasons my credit reports were requested and given and the vender 's information who supplied the false names and addresses on my credit reports and their documented proof given to Equifax to justify the information being placed on my credit reports. There are social security numbers that are not mine and that I have never used on the Equifax Credit Report which I want to be removed and complete disclosure on the suppliers ; venders, and proof of the misinformation given to Equifax to justify them placing the information in my credit reports. I also want an explanation for why I have not been allowed to access my credit report online.
Consumer complaint received 2024-12-02
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: BARCLAYS BANK DELAWARE (NY)

I have received a letter from Barclays dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies. 
2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support. 

In their letter they also declined to provide the requested proof that I'm asking by Law
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$41.00} XXXX XXXX  XXXX Balance : {$3800.00} Please consider this complaint as my follow-up to ensure that the listed accounts are verified as soon as feasible
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX.. According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXXXXXX XXXX XXXXXXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I am currently in a dispute with XXXX XXXX XXXX, and I have sent a request for Citibank to send all adverse letters, that they maintain under my social security number. Citibank has not provided the adverse letters that has been requested. Attached is the information requesting Citibank to provide all adverse letters they maintain under my social security number.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (OK)

PNC sets extensive criteria for closing an account. Meanwhile, they charge {$7.00} per month for not closing the account. The bank should be forbidden to charge fees for or during closing an account. It is too difficult to sign onto their website and their system quickly signs me off automatically. It is very difficult to reach them by telephone and the representatives dont know what they are doing.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union has charged me hundreds of thousands of dollars in fees violating their OOPS program. They also put an astounding 21 % APR on a vehicle loan and falsely claimed reported transactions as legitimate when proof was provided fraudulent activity took place. Refusal to appeal decisions. Refusal to refund fees.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

I am writing to express my concerns regarding my account checking and saving accounts with Navy Federal Credit Union. 

Recently, I have encountered significant issues related to the balance reporting on my account. I believe that the balance displayed often does not accurately reflect my available funds. This has led to unintended overdrafts, especially when using payment services such as XXXX XXXX and XXXX XXXX. As a result, I have incurred multiple overdraft fees that I believe are unjust. 

Despite my attempts to seek clarification and assistance from your team, I have not received adequate guidance on this matter. While your representatives have been courteous, I have not been offered a resolution or reimbursement for the overdraft fees incurred due to these discrepancies. 

I kindly request a thorough review of my account activity, focusing on the transactions that resulted in the overdrafts and a clear explanation of how balances are calculated. I believe that transparency in this process is essential to prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and hope we can resolve this issue amicably. 

Best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal credit union posted my transactions out of order and took longer to post certain transactions which then caused me to believe I had more available funds so I continued to purchase but then they posted all transactions days later all at the same time which then caused me to overdraft
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

in accordance with the fair credit reporting act, Equifax has violated my rights.

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-10-08
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)

Sent past disputes in over 60 days ago and nothing was changed. The accounts are not accurate and not verified and must be deleted immediately from my consumer report. The consumer reporting agency did not do a proper investigation on these accounts. They did not provide me what i asked for or required in the disputes and are still reporting these accounts. I DEMAND UNDER THE FCRA THAT THESE ACCOUNTS LISTED IN THE RESOLUTION BOX, BE BLOCKED AND DELETED IMMEDIATELY.
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (SC)

XXXX XXXX XXXX, BEST B : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX CAPITAL XXXX : XX/XX/year> XXXX XXXX CAP XXXX NA : XX/XX/year> Experian XXXX XXXX XXXX : XXXX XXXX - XXXX OF XXXX : XX/XX/year> : Experian XXXX DISCOVER FINANCIAL SER : XX/XX/year> XXXX Experian XXXX ONEMAIN : XX/XX/year> Experian XXXX XXXX XXXX : XX/XX/year> XXXX Experian XXXX XXXX OF XXXX XXXX XX/XX/year> Experian XXXX - XXXX ACCEPTANCE - G : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX
Consumer complaint received 2023-05-22
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: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS and XXXX are obligated by the Privacy Act of 1974 to protect my rights against unwarranted invasions of my privacy. On XX/XX/XXXX for the second time in 24hrs AMERICAN EXPRESS shared my personal information to include my transactions and experiences to XXXX XXXX which is a third-party company. XXXX also shared my data with XXXX which is also a third party company. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. AMERICAN EXPRESS and XXXX are liable under the SEC to follow certain rules. AMERICAN EXPRESS Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies.
Consumer complaint received 2020-05-16
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. (NC)

I have been dealing with Equifax for over a year now trying to remove unverified items from my credit report. In disputing with the credit bureaus the burden of proof is on them. I gave them a hand and did my due diligence for them, which I sent them some proof on these two accounts that remain to dispute on. XXXX XXXX just appeared on my credit out of nowhere around XXXX of last year. I sent XXXX XXXX a verification letter to send me proof that this account is mine, they sent me NOTHING! I sent a copy of this same letter to Equifax stating that they sent me nothing so how are you able to verify this information? Equifax still refuse to remove it. I mail out a dispute letter on XX/XX/2020 they never responded. I mail a non-response letter after the 30 days on XX/XX/XXXX which they received on XX/XX/XXXX which I did received a response back dated XX/XX/XXXX. It took Equifax over 64 days before I got a response and they still didn't delete the account or correct the late payment even when I sent them proof. The other account that I sent them proof on was XXXX XXXX XXXX for a late payment, and it's still showing up late on my report. 

They have violated my rights in more than one way according to the Fair Credit Reporting Act. If the bureaus don't respond back in 30 days it is to be deleted from my credit file. I am filling this complaint because I have had enough of my rights being violated. Hope you can help out! 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my bank account without notice and is holding my money and robbing that money and will not give it back and my direct deposits is still set up to the closed account please help me get the account back open and they cut the banking relationship with me which wasnt my fault
Consumer complaint received 2019-09-25
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. (WA)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the RELIABLE account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and  this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2020, our home loan service was sold from XXXX XXXX, operated by XXXX XXXX, XXXX. to LoanCare. We had been enrolled in a loan forbearance program while enrolled with XXXX XXXX due to the coronavirus global pandemic. This was initiated in XX/XX/2020 to expire XX/XX/2020. 
Upon transfer of our loan to LoanCare on XX/XX/2020, we received a letter dated XX/XX/2020 stating that our home loan was XXXX  months past due and was now delinquent. The letter was threatening debt collection, negative credit rating, and the possible loss of our home. There was no consideration or acknowledgement of our enrollment in the forbearance program, even though we had received confirmation of this enrollment through XXXX XXXX, XXXX. and LoanCare. 
In attempts to contact LoanCare customer service to express the concern regarding this threatening letter, I was told that there was nothing I could do because this was how they are communicating with all of their customers, even those on payment plans. However, this is a government-approved forbearance, so it is extremely unsettling, frustrating, unnerving, and angering to have our home and financial standing threatened in these unprecedented times. We were also told that we would continue to receive phone calls and letters with these continued threats of delinquency until payments resumed. The customer service representative implied that she had received MANY phone calls with this same complaint, but was unable to offer any other solutions. 
Our hands are tied at this moment and we are stuck with this company that seems to have no regard for their customers. I am also wary of how this company appears to be ignoring our forbearance and I am untrusting of whether or not they will attempt to follow through with their accusations of delinquency. If there was a way to transfer our loan, I would because the way this company is treating their customers is extremely poor practice and does not foster trust in their service, which should be paramount in our loan service provider.
Consumer complaint received 2019-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (FL)

ARAGON COLLECTION AGENCY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX VICTIM OF IDENTITY THEFT, NEVER USE FIRE RESCUE, MY IDENTITY STOLEN. I HAVE FAX MY COMPLAINT 2 TIMES ON XX/XX/2019 SPOKE TO SUPERVISOR XXXX ON XX/XX/2019 EST XXXX XXXX  SHE STATED COMPANY NEVER RECEIVED THE 2 FAXES PROOF FAX NUMBER # XXXX SEE FILES UPLOADED. PROOF OF FAXES AND PROOF OF IDENTITY THEFT COMPLAINT COMPANY ARAGON COLLECTION AGENCY REFUSES TO REMOVE FRAUDULENT I XXXX DEMAND FOR JUSTICE AND REMOVE THIS NEGATIVE XXXX XXXX XXXX XXXX REPORTING TWICE SAME ACCOUNT.
Consumer complaint received 2019-09-25
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. (AL)

I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : XXXX, XXXX XXXX