davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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 (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They haven't updated my credit report on XXXX in 4 months. This ground for removal they also violated my rights under 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
Consumer complaint received 2023-06-12
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: CAVALRY INVESTMENTS, LLC (FL)

My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT
Consumer complaint received 2023-06-12
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. (GA)

XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

They not only improperly reported me, they also broke the law.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-12
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. (GA)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have a paid membership with this business, I tried to place a freeze on my device once I started to get notifications of someone running my credit. I called to have the inquiries disputed, the representative told me he disputed it and it would be off soon. That did not happen. Im paying for a service that Im not using.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-06-12
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: Cascade CISS Holdings, LLC (PA)

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

This complaint is to ensure that Chase Bank ensures proper handling of an initial and unauthorized recurring charge claims to my account by Lawnstarter.com. There are XXXX claims. XXXX claim is for {$23.00} debited from my account on XX/XX/26 & {$55.00} debited from my account on XXXX. On Friday, XX/XX/XXXX I inquired about lawn service for Sunday XX/XX/XXXX. On the morning of XX/XX/XXXX I called XXXX XXXX  to ask why no one came on Sunday and to advise that I was no longer interested. I was left on hold. After being left on hold I cancelled the service online on the morning of XX/XX/XXXX. Since then the XXXX XXXX company has continued to show up at my home and bill me while ignoring my service cancellation request. My lawn has been cut by my regular lawn service company. I never agreed to or signed up or signed for a XXXX minimum cut term. Nor have I ever received any terms and conditions stating such. Please see the attached email correspondence.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

My name is XXXX XXXX. 
Caine and Weiner have responded and agreed to remove incorrect information from my Wife 's credit report see CFPB complaint ID number XXXX as of XX/XX/2023. My complaint is the same see below : We previously resided in XXXX XXXX XXXX XXXX XXXX. We moved to XXXX in XX/XX/2023. We used to have XXXX XXXX XXXX XXXX XXXX in XXXX. Shortly after moving to XXXX we asked XXXX to transfer our insurance to XXXX state. But they said they couldn't cover the type of insurance that we needed in XXXX. So we canceled with XXXX and moved our business to XXXX. I called XXXX since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with XXXX and they said there was a XXXX amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
Consumer complaint received 2023-08-09
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. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NY)

In XXXX. of this yr I rec 'd a notice that a temporary hold had been placed against my credit card, the reason being, unusual activity. I contacted the company & notified them the activity was legitimate & requested the lift the hold. I was informed they would review the matter. I waited several days, but no response. Once again, I contacted them & was told the acc't was permanently closed. This time I was told they were unable to verify my identity & the account could not be reopened but I could apply for a new card, which I attempted to do numerous times. Each time I tried I was asked for my last 4 soc sec # 's.each & every time I was informed that I already had an acc't with a zero balance and was unable to apply for a new card. I've tried dozens of times and have spent hours of times on the phone with the bank & written several ltrs. In addition, I met with a representative of the company 4 times & she spent several hours on the phone with the bank attempting to help me, to no avail. I wrote one last ltr to the president of the bank hoping he would help to resolve this matter this matter. He never responded. The problem seems to be that although that acc't has been closed it still appears as an open account on their books. I would very much like to open a new acc't since I was a customer since XXXX  with no issues to speak of.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (TN)

A fraudulent account was opened in my name. At the 1st try, on XX/XX/XXXX, XXXX, the company refused to close the account because I couldn't provide the information the theif used to create the fraudulent account ( like favorite color, or date opened ). I then involved my ID theft services. We called them on Friday, XX/XX/XXXX, on a recorded line, where they stated they found the account and would send a written confirmation on the closure to my email address. They promised I would only get 1 email confirming the account closure. Subsequently, I've
received 3 emails from them ( XXXX, XX/XX/XXXX & XX/XX/XXXX ), XXXX asking about " issues '' with my account, and 1 is a customer service survey request. 

I called them again today being concerned the account wasn't actually closed, again on a recorded line with my ID theft services. The agent refused to confirm the account was closed, claimed there were no accounts on file, refused to transfer us to a supervisor, and directed us to the FTC.
Consumer complaint received 2023-06-12
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. (FL)

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 Account XXXX has violated my rights. Or list of inquiries 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 2023-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (NC)

On XX/XX/XXXX I had XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX I logged into the hospitals medical billing website that was provided on the bill and paid my bill in full for {$590.00}. I have the email receipt showing that I paid it. A few months later I was contacted by a debt collector stating that I owed XXXX XXXX XXXX {$530.00}. Initially I sent them the credit card statement that showed I paid XXXX {$590.00}. They kept calling and I sent them the email receipt from XXXX XXXX showing that I paid the amount directly to them. It is still in collections. No proof of payment that I sent in worked to get the debt removed. It should have never been sent to collections and I dont know what to do to get it cleared
Consumer complaint received 2023-06-12
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: Bread Financial Holdings, Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 2023-06-13
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. (MN)

This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC (NJ)

First Access is reporting under the name XXXXXXXX XXXX XXXXXXXX XXXX  on XXXX and XXXX with Total Visa Cards contact information. 

This account was paid to be removed and closed XXXX of XXXX through total card inc. that was emailed to me the same day. it was removed from my credit report as agreed. It was added back about more than year ago, and I have been disputing with the credit bureaus and XXXX XXXX every month. along with calls, emails, faxes. They never even sent my credit history which was requested as well. 

They have been reporting incorrect data on months after closure of the account causing my credit to drop even putting charge off status and lates in XXXX. Putting me at risk of being homeless. due to recent home purchase and lease ending. 

I have been calling Total Card since its the phone number on my report. No one has access. Not even First access customer service has it. Only the back end office and the only way to contact correspondence is through fax not even they have access to this department. 

I am in the middle of purchasing my home and am set to move out at the end of the month. The recent credit drop has put a delay and time limit for this to be updated. 

I've explained to everyone my situation and no one could help either because they cant access my account- so they cant transfer or they tell me to dispute it and that they cant contact the corresponding department. 

Every time that I dispute, its new random information added to my credit report. XXXX and XXXX have both guided me well however limit information since there is not contact information for correspondence at first access.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (VA)

I switched carrier from XXXX to XXXX on XX/XX/2022, I was assigned an Account No. I am the account owner of that account. I had autopay enabled on it and every month the amount had been paid for the bill accurately But some how XXXX had accidentally or fraudulently opened a sub account under my Account and they claim that I have to pay XXXX + XXXX XXXX And it has been sent to collection agency Receivables Performance Management LLC This particular account dint even show up in my XXXX app where I check everything and do my payments. 
My credit score got hit by XXXX points I called XXXX multiple times- they said it is with collections agent and we cant comment about the account. 
My question is you ( XXXX ) created a sub account for me without my knowledge and have been assigning a bill for it and you are not taking responsibility for it? 

I called this collection agent multiple times and also mailed them to dispute this and they said they ll interact with XXXX and I will get an update in few weeks. 

I want to get the latest update on my dispute. 

I want this to be removed from credit history Please help me with it. 

My reference no. Printed in the collection agency mail is : XXXX
Consumer complaint received 2023-06-12
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. (IL)

On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.