davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (TX)

Using the XXXX credit card Navy Federal issued to me, I took out a cash advance of {$2300.00} on XX/XX/year>. The teller informed me the transaction would post to my account the next day and that I could pay off this amount then. In the recent past, I had always been permitted to pay my XXXX credit card prior to " posting ''. I returned the next day, XX/XX/year> to pay off the amount and the teller would not take payment. The teller said the amount still had not " posted '' to my account. Beginning XX/XX/year> Navy Federal now charges me interest on all amounts beginning the day of credit card use and daily interest charges. I am XXXX. It is unfair that Navy Federal can now refuse to take payment until an amount " posts '. Navy Federal performed the transaction. They should not be allowed to enrich themself by refusing payment prior to " posting ''. They had always allowed payments prior to posting in the recent past. There is no legitimate reason for refusing to allow payment prior to " posting ''. 
I was NEVER notified that payments prior to " posting '' would now be refused.
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I asked for validation from medical data systems complaint number XXXX they they have not provided it according to the fdcpa and the are reporting incorrect information on my credit report according to the fcra. They stated they do not own the account nor the debt well if you look back at the complaint number listed above you will see if clearly states this communication is from a debt collector so they is giving false information out and they is not compliant with the fdcpa laws. They are a debt collector and i do not have to pay them anything regardless of who they work for and i do not owe them anything and they can not prove that i do. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
I am asking theyPlease attach copies of : Any agreement with your client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against them is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as  issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.I want this inaccurate information deleted off my credit report and i will continue to file a complaint under my voice id heard my the cfpb and ftc.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

On XX/XX/XXXX my husband applied for a refinance. On XX/XX/2022 Quicken called and said that they needed my information on my bankruptcy. I am not on the mortgage nor am I on the application for the refinance. They also disclosed that they had his mortgage listed as an active bankruptcy, he hasn't declared bankruptcy. 
The last week of XXXX Quicken called to schedule the closing but then said they were checking the payoff to look for an email. 

On XX/XX/2022 a rep for Rocket/Quicken called and said they needed a release from the court in reference to my bankruptcy. I am not on the note, and I am not on the Deed of Trust. 

My husband sent them an email telling them he wasn't in bankruptcy. And that it was a violation of my privacy for them to be asking. They responded that they still wanted the information. 

My husband has a credit score of XXXX, he makes 100k a year and qualifies for the loan, I have the letter, on his own. I am not nor have I applied for a mortgage, I have never given permission to look at my credit information and they are holding my husbands refinance hostage until I comply. Which I won't, because it against federal law.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I wired {$390000.00} from my account with XXXX XXXX XXXX  to Chase Bank to be credited to The Law Firm of " XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX on XX/XX/XXXX, I became aware of the account # being compromised/wrong #. I immediately notified Chase Bank via my XXXX XXXX XXXX  of the error and requested a XXXX Wire Recall. Needless to say Chase Bank never verified that the recipient name being " XXXX XXXX XXXX XXXX XXXX XXXX '' & account number " XXXX '' DO NOT MATCH their depositor information. Chase Bank, knowing this information, went ahead and credit my hard earn money into this fraud account. The fraudster account holder then cash out the account and closed it thereafter with Chase. See my letter to Chase Bank herein being attached and make apart of this complaint.
Consumer complaint received 2019-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (MN)

Letter received today. Loan was started in XXXX. Bankruptcy was filed in XXXX during my divorce. Ex-husband resigned loan papers I did not. 

I believe it is a privacy issue that I now know about this when it is my ex-husbands bill. I also believe this company might be trying to exhort money out of me. 

If it ends up on my credit report I will be filing another complaint. 

House was paid off 3 years ago and Ex-husband states they want {$8000.00} but won't say for what.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (MD)

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  I told XXXX, and Equifax to reinvestigate this account repeatedly .However the entire report is fraudulent and inaccurate. But how is this report verified with all the inaccuracy? open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Falsely reporting on the legend 2year history. I uploaded the proof this entire account is inaccurate and must be removed immediately
Consumer complaint received 2024-11-04
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-02-10
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: VW Credit, Inc (NY)

I have an FTC report and police report. VW credit has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( VW credit corporate ) a notarized affidavit of Truth. She is refusing to remove it. VW credit broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED VW CREDIT TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA. 

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2022-02-10
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. (MI)

I recently discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 XXXX XXXX XXXX reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, XXXX XXXX Equifax which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : XXXX XXXX Tracking : XXXX Equifax Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, XXXX XXXX Equifax in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX XXXX : XXXX Equifax tracking : XXXX XXXX : XXXX XXXX XXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.
Consumer complaint received 2021-09-11
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. (NV)

I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 day inXX/XX/XXXX30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT ED/XXXX Account Number : XXXX 90 days late in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and permanent removal of the account and credit inquiries listed below from my credit report. I am a victim of identity theft due to a data breach, and these items were fraudulently added to my credit file without my authorization. This request is made under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX