davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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. (FL)

According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my rights.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IN)

I mobile deposited my check from working at the Indiana XXXX into my account. 
Shortly after this my account was flagged for closure. 
I called and asked why and they said for an invalid check. 
I asked for details and they refused to tell me anything other than I would need the issuer ( state auditors office ) to call. 
I provided this number and an agent told me it was invalid and not a Indiana number?? 
I called back again to try to get more details on the situation and what I can do or if the money ended up being deposited. 
Was told I could be provided no further information and I had to wait 60 DAYS to get access to money IF it did go through, the agent couldnt even tell me if it did or not. 
All of this happened XXXX XXXX. 
The company is CITIBANK mobile banking.
Consumer complaint received 2023-06-24
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. (OH)

XXXX XXXX Account # XXXX is a fraudulent account and has been reported multiple times to XXXX XXXX and TransUnion telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again XXXX XXXX refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet XXXX XXXX claims it has been charged off. I want to see the evidence that you have.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX TransUnion reported my XXXX credit increase of my account to XXXX dollars. Then on XX/XX/XXXX, they randomly lowered it back down to XXXX. The current reported balance is XXXX. 

I called and TransUnion claimed the bank reported it. Banks do not report changed twice a month. XXXX confirmed they reported XXXX. TransUnion is randomly making changes on credit reports without permission from consumers or creditors. Reporting inaccurate information is damaging to consumers and I want this fixed.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/XXXX account was opened I didnt do they used my person bank account to open i disputed all accounts with capital one and they just now closed it and sent money to my bank that was closed due to fraud activity told them its been well over 90 days XX/XX/XXXX now and they cant give me no information as the capital one credit card account was closed I have proof they sent it but now they say they cant use my new bank account I was promised 90 days Id see my money now 9 months still got nothing I need my {$250.00} and I need my money
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (DC)

This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX  to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CO)

RE : CITIBANK On XX/XX/XXXX I opened up both a savings and checking account with a bonus, welcome rate amount of {$400.00} to be given after 90 days. I was very clear in writing all of the criteria down - that the account had to be maintained for 60 days and " welcome offer will be deposited within 90 days ''. I called today and was told by CSR XXXX that he was told by the marketing dept. that my credit would be given on XX/XX/XXXX, 90 days AFTER the 60 days, which is incorrect. I was very clear in what I wrote down and remember wanting to be sure I had the correct information. I then spoke to Manager XXXX and she said I made my deposit on XX/XX/XXXX, which did not sound accurate to me but I told her it would be checked. Not only do I have my banking log which shows both of my accounts were funded from my XXXX acct. on XX/XX/XXXX, I was enroute to XXXX XXXX XXXX on XX/XX/XXXX so that date is 100 % incorrect. She was quite rude to me and I requested a copy of the marketing information that shows " you must keep your acct. for 60 days and then you get your bonus in another 90 days '', that is ridiculous.
Consumer complaint received 2023-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Account # XXXX is a fraudulent account and has been reported multiple times to Capital One and XXXX telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again Capital One refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet Capital One claims it has been charged off. I want to see the evidence that you have.
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

I was notified my credit report had negative activity. Upon looking at the XXXX report I saw a debt listed from Enhanced Recovery which was originally an XXXX XXXX XXXX account. I do not have any business with XXXX XXXX XXXX This is the third time this has happened due to an XXXX XXXX XXXX  error.. Earlier this year it happened to be for someone with an address in a different town. I have spent entirely too many hours of my life trying to correct errors made by XXXX XXXX XXXX due to their failure to confirm identities.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint against Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding a recent incident involving my account. I believe that Navy Federal Credit Union has engaged in unfair practices by withholding funds without proper justification, causing significant financial hardship for me and my family. 

Here are the details of the complaint : Account Information : Account Holder 's Name : XXXX XXXX  Account Number : Date of Incident : XX/XX/2023 Description of the Incident : On XX/XX/2023, a loan I received for {$300.00} was deposited into my account with Navy Federal Credit Union. However, upon the deposit of funds from a third-party loan, Navy Federal immediately seized the entire amount from my account to pay off a previously charged off account, without any prior notification or explanation. 

Attempts to Resolve the Issue : I have contacted Navy Federal 's customer service multiple times to address this issue. During one of these conversations, a representative acknowledged that the funds could be returned to me. However, despite their acknowledgment, Navy Federal has refused to take any action to rectify the situation or provide an adequate explanation for their actions. 

Financial Hardship : By taking the loan funds that I had deposited into my account, Navy Federal has caused great financial hardship for me and my family. I needed those funds to repair my car, which is essential for me to continue working and provide for my family. 

Texas Statute of Limitations : According to the Texas statute of limitations for debt collection, which is generally four years, the charged off account in question exceeds the statutory time limit for collection. Therefore, Navy Federal 's actions in seizing funds to pay off the debt may be in violation of the statute of limitations. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, taking into consideration the significant impact this has had on my family 's financial well-being. I request your intervention in ensuring a fair resolution to this dispute. 

Thank you for your attention to this matter. Please feel free to contact me if you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC (GA)

XX/XX/XXXX  Corelogic Credco, LLC Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/23 I filed dispute # XXXX for XXXX car part on XX/XX/23 for {$40.00}. 
The seller listing falsely promised working part which malfunctioned in my vehicle. 
Bank of America refused to acknowledge receipt of my fax received at XXXX proving bias relationship with XXXX. I deserve a permanent credit which hinges on fax this bank now denies receiving. I will have to pay {$200.00} just to remove defective part seller has demonstrated intent not to refund because seller falsely stated is perfect.
Consumer complaint received 2023-06-24
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX  XXXX Balance : {$330.00} ; XXXX XX/XX/2022.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

We have current account with XXXX XXXX XXXX. We are setup on an autopay and our account is in good standing. We do not owe anything. I have an extremely common name and get mistaken often for someone else.
Consumer complaint received 2017-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXXXXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act 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 or my account without my written instructions.
Consumer complaint received 2023-06-24
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$330.00} ; XXXX XXXX
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (AZ)

This company is trying to collect a debt that is the result of identity theft. The originating company, XXXX XXXX, claim they have written off the account as there is no record of my ever having service with them in XXXX Arizona.