davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit 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: NAVY FEDERAL CREDIT UNION (TX)

I opened up a secured and unsecured credit card with Navy Federal Credit Union. In about XX/XX/year>, my account was hacked and charges ran up to over XXXX for each card. I reported to the credit union but it is still showing I'm responsible for those charges.
Consumer complaint received 2024-07-26
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. (CA)

I am a victim of human trafficking of debt bondage and would like for all issued accounts to be blocked and deleted from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, credit collection. 
XXXX XXXX XXXX XX/XX/1969 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Credit Karma has continued to attack my XXXX credit report with wrong information which I feel they are working with XXXX XXXX who is providing false information on a fraudulent account that they have mixed up with my settled account.
Consumer complaint received 2024-08-05
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: NAVY FEDERAL CREDIT UNION (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-26
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. (TN)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (TX)

XX/XX/XXXX complaint against XXXX XXXX XXXX XXXX XX/XX/XXXX complaint against Keybank XXXX XXXX made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with Laurel road bank. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX. 

Keybank messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX Keybank Account XXXX : XXXX XXXX XXXX XXXX XXXX. 

Both Keybank and XXXX XXXX XXXX are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXX XXXX then KeyBank simply says go to the XXXX XXXX XXXX If I reach out to the XXXX XXXX XXXX then the XXXX XXXX XXXX  says go to KeyBank. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Seattle Service Bureau, Inc (OH)

I keep getting calls from a national service bureau about and alleged incident that they say occurred two ( 2 ) years ago. Something to do with a fender bender. I answered the phone because i was waiting for a call back from a job I had applied for. The woman started asking me for my information and talking really fast. She then stated if I was to not answer her questions she would make sure I end up 6 feet under the ground. I said excuse me who is this she stated she worked for national service bureau and that if i don't pay her right now my license would be suspended. I asked for what she said an unpaid debt i gave her my card information stupidly due to her having all my information I thought what she was saying could be valid. I paid over her {$290.00} then i said does that fix my debt she said no we will have your license suspended then the week after I received a letter from National Service Bureau stating that I owe money and have a month before they take my license for an unpaid debt. I tried to call the number back but it said the number that I was being called from was no longer in service. I have been paying off two different debts. I am a XXXX mom trying to get back up on my feet. If i owe something I will work something out to get it paid but these people. 1. took my money ( my fault ) 2. they were threatening and rude. 3. I can not validate anything accurate they have told or showed me ( lack there of ).
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not yet recovered from the impact your fraudulent reporting had on MY LIFE. 
You've impacted my livelihood, my finances, my credit, and my reputation. I had to explain to my those in my professional environment, my career I'm referring to as to why the direct deposit of a substantial monthly payment had to be made to a illegitimate financial institution. 

You didn't even notify me, had to find out the hard way and now I want financial retribution ... .ASAP.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX {$2200.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1300.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX  {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$380.00} # XXXX Opened XXXX, Account name : XXXX {$500.00} # XXXX opened XXXX, Account name : XXXX XXXX {$840.00} # XXXX opened XXXX, Account name : XXXX XXXX {$720.00} # XXXX opened XXXX, Account name : XXXX XXXX {$2400.00} # XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to

15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they
are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last 3years this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc. (TN)

I received a letter dated XXXX XXXX from NetPayAdvance.Com out of XXXX, XXXX  stating that I owe {$1100.00} for a recent loan they gave me. I received no money from them. I never asked for a loan. 

They sent me a text on XX/XX/XXXX stating " Great news! Your draw for {$600.00} was approved. If eligible we will attempt instant funding. Thanks, XXXX XXXX XXXX ''. I ignored text thinking it was a scam. 

I received another text on XX/XX/XXXX stating, " Your payment is pending. It takes 4 days to clear at which time your credit limit will be updated ''. I received several more text messages after that telling me I need to send them payment. I ignored the messages thinking it was a scam. 

I notified the company, and they transferred me to their fraud dept. Their fraud department emailed me a form that is asking for sensitive information I am not willing to give out.
Consumer complaint received 2023-02-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of accounts on my credit report XXXX separate times on XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. 

I demanded every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that it has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

If they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the accounts under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

I demand the accounts be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ), or it MUST be removed immediately.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.