davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (PR)

On XX/XX/XXXX, I claimed to Equifax, an account Inquiry under the names of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I summated a dispute for those inquiries multiple times and on the same day I received the results of the investigation. I received confirmation number : XXXX the results of that investigation say that those are accurate and will stay for two years. I dont know how in less than 24 hours Equifax verify the authenticity of the inquires knowing that I have an identity thief case. 

Also, On XX/XX/XXXX, was reported to Equifax, an account under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that same day I summated a dispute for that account. On XX/XX/XXXX, I received confirmation number : XXXX the results of that investigation and change the information to a closed account. 
I summated an appeal and to this date ; I havent received an answer. These actions violate the XXXX U.S. Code 1681e - 15 U.S. Code 1681i
Consumer complaint received 2023-06-20
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. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

On XXXX XXXX I was served a garnishment from an officer at my job ( XXXX tn ) from XXXX XXXX. On the garnishment it list Midland Funding LLc. 

I revived letters from XXXX XXXX XXXX law office regarding a XXXX  XXXX credit card in my name. 
I dont own this card and have a letter ( proof of fraud ) from XXXX  XXXX. 

I have already followed instructions of XXXX XXXX XXXX and faxed in the letter but on XX/XX/2023 XXXX XXXX XXXX sent a letter with FTC info because they want an affidavit of fraud. 

Please help
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Equifax investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal credit Union offers a dashboard for members to view their credit report via XXXX. The dashboard is called XXXX XXXX confidence.XXXX XXXX  confidence is not providing accurate information or credit score ratings that reflects XXXX information on my credit report. 


I reached out to Navy Federal no one has knowledge of how to fix the problem. I spoke with XXXX and they have all updated information. Navy Federal is using fraudulent data and not updating information causing credit scores to appear low and not removing account that have been paid off to prevent people from having qualified applications.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, a number of obvious fraudulent transactions were charged to my account, Chase made no attempt to properly investigate my claim and merely stated to me on the phone " they were consistent with my spending. '' Which is utterly ridiculous. There are over 50 fraudulent charges for {$28.00} at various speedway gas stations. My guess is my information was stolen somewhere while i was on a trip on the west side of Michigan. Either way, am i more than prepared to fight them on this. I know I'm not the only victim of these crimes and the bank has failed in my opinion to properly guard their customers against this type of fraud and failed to take my claim seriously by doing some cursory " investigation. '' Did they contact the merchant? No. Check the cameras? No. Did their " investigator '' even ask me any questions? No. They didn't ask me to do anything to strengthen my case even though I feel like its pretty open and shut. The point is, I feel like I can prove this wasn't me pretty easily and they aren't listening to me.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to express my deep concern regarding the Navy Federal Credit Unions failure to fulfill its promise to lower my interest rate after I signed the necessary paperwork online. Initially, I requested a payment deferral to catch up on missed payments, which was denied until I filed a formal complaint with the CFPB. Following this, the bank agreed to the deferral and committed to reducing my interest rate to 3 %. However, this rate adjustment was never implemented. 

In response to this oversight, I filed another complaint. The bank 's reply stated that they would investigate the issue and provide a resolution within 60 days. Unfortunately, no such resolution or adjustment has been made, and I have yet to receive a follow-up. 

I am filing this complaint again to address the banks lack of accountability and transparency in its business dealings. I expect prompt action to correct the interest rate as originally promised.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-15
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. (GA)

Around XX/XX/XXXX an account was opened with XXXX in my name, using all of my personal information. I did not catch this error until XXXX when I was just checking my XXXX XXXX and report. I reported this error to all three credit bureaus ; XXXX, XXXX and TRANSUNION. An alert was made. In the process of me getting pre-approved for a loan to buy a house, around XX/XX/XXXX or XXXX, XXXX, XXXX showed up on my credit report stating that I was highly delinquent. Again, I reported to the XXXX credit bureaus on XX/XX/XXXX. I called XXXX on this same day, XX/XX/XXXX, and told them that I did not open an account with them, however, whoever did used all my personal information to get credit from XXXX. I asked XXXX what was bought, they told me an XXXX, XXXX and a XXXX XXXX  game console, I told them that all my XXXX products are bought from their store, and I have no need for a XXXX XXXX XXXXame console. I went further to tell them I will have to make a police report and get in touch with Federal Trade Commission. They said that I could do that, but also they have their own way of doing investigation. They told me to submit a full police report, FTC affidavit ( all pages ), copy of my driver 's license, copy of my social security within the next 15 days. I tried reporting the incident through FTC, but the page brought me to CFPB. I'm here writing a statement. 
I still plan to file a police report.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (KY)

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and Expiran. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I requested XXXX, Transunion, and XXXX to verify the accuracy of these 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  However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

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 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.

Also, they are not following the Metro 2 credit reporting standards. I have evidence to support my claim.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/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 2023-08-08
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: DISCOVER BANK (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-20
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. (TN)

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. I HAVE MAILED SEVERAL FRAUD DISPUTES OVER A MONTH AGO SEVERAL TIMES AND THE MAILROOM IS NOT PROCESSING MY DISPUTES. I HAVE MAILED MY DISPUTE TO EQUIFAX INFORMATION SERVICES LLC PO BOX 740256 ATLANTA GA 30374 NUMEROUS OF TIMES AND THEY ARE NOT PICKING UP THE MAIL TO SORT THROUGH THE MAIL. I HAVE CALLED THE FRAUD DEPT SEVERAL TIMES AND THEY KEEP TELLING ME TO MAIL MY DISPUTE OVER AND OVER AGAIN! IF THE ONLY OPTION TO SEND A DISPUTE IS BY MAIL THEN THERE ARE GOING TO BE THOUSANDS OF LETTERS WORLDWIDE JUST SITTING AT THE PO BOX ADDRESS NOT BEING OPENED! I HAVE 2 FRAUD INQUIRIES THAT NEED TO BE REMOVED AND DELETED OFF OF MY CREDIT FILE.
THE FAX OPTION WAS EASY AND CONVENIENT NOW I HAVE TO MAIL DISPUTES THAT PROBABLY WANT EVER BE RECEIVED BY THE MAILROOM!  I AM ALSO ATTACHING MY FRAUD DISPUTE TO THIS COMPLAINT SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (TX)

According to cash app terms Xlll ( 3 ) there suppose to protect my funds in my account on XX/XX/2023 I received and alert that I received money in my account around XXXX am I go to check and the app started acting up then UT closed on me and alerts can threw saying my email & pin has changed so I was locked out the account, I could not contact cash app until Monday morning one I did I explained everything they asked me for my information they said it's incorrect they wanted what's on the account I explained again telling them it was removed I sent my ID and my picture there response was if I can't submit all info that they want return my funds of XXXX and stop responding to me.
Consumer complaint received 2023-08-08
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. (FL)

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 2023-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

On XXXX XXXX I first attempted to put {$800.00} a one time purchase. I attempted this with my debit card ending in XXXX. The online banking app is called Cash app. My bank, XXXX XXXX in XXXXXXXX XXXX  denied the this tranaction fur to inefficient funds available. So I never attempted that large amount again. But on XX/XX/2023 when I looking at my ban statement I notice that I had an unauthorized purchase from Cash app for the amount of {$800.00}. I immediately started with the online support chat with customers service. When I didn't get anywhere with the online chat I called my bank. was told since it was a debit card purchase I had to.go through Cash app to get a refund. I immediately called the Cash app customers service number and talk with the representative and was told that there was no such purchase made on XX/XX/2023. But they did see the denied transaction on XX/XX/2023. Even though I sent my bank statement that clearly showed the transaction I was still denied my refund. I attempted many msny times after this to even talk to a supervisor but was told that I could not talk to a supervisor. Later around XXXX XXXX I attempted to call again and magically the transaction appeared in my activities log but still was not credit the {$800.00} or ever refunded the funds back to my debit card. I tried multiple times to correct this issue with cash app but never was successful and still did not recieve my {$800.00} for the unauthorized purchase. I suffer from XXXX and XXXX so it has been very difficult for me at time to get this resolved. I have send screenshots and bank statements that clearly showed the {$800.00} was taken out but never was add to my Online account. I don't know what I can do now to receive the money that I did not authorize to be refunded back.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.