davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX I'm currently serving a XXXX XXXX in the XXXX XXXX XXXX XXXXXXXX, My wife has been my POA for years. For whatever reason Navy Federal denies ALL of my POA requests. They denied my wife, my relative and my attorney XXXX XXXX XXXX XXXX. After long battle that I thought ended in XX/XX/XXXX XXXX  its heavily notated that all my requests must be by mail or email. No more illegal phone calls would be made. I had to spend hours on the phone to fix the wrongs for months. I've requested my address to be updated to the same address on my CFPB account and it hasn't been done. New address for all mail is XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX. None of my mail from the XXXX  to XXXX is being processed. I sent emails and now sending a complaint about it. The security word for my account is XXXX. The last four digits of my social security is XXXX. No phone calls should be noted on my account but yet my wife keep receiving calls from Navy Federal. As my fudiciary Navy Federal has failed me. Just because I am in XXXX  doesn't give them the authority to ignore ALL of my written or email requests, Please update my address and please follow ALL instructions I send rather via email or written. PLEASE READ ALL NOTES and listen to ALL recordings. Please stop failing me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXook at these previous sccounts please XXXX XXXX XXXX MY VOICE IS BEING SILENCED AND NAVY FEDERAL HAS FAILED ME!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Subject : Notice of Violation of 15 U.S. Code 1681c2 and 15 U.S. Code 1681n I am writing to inform you about a serious matter regarding my credit report that requires your immediate attention. It has come to my attention that my credit report contains inaccurate and fraudulent information as a result of identity theft, which is a direct violation of the regulations set forth in 15 U.S. Code 1681c2.

According to the provisions of 15 U.S. Code 1681c2, any credit reporting agency is required to block information resulting from identity theft from being reported on a consumer 's credit report. Identity theft is a crime that I unfortunately fell victim to, and as a result, certain fraudulent accounts and inaccurate information have been listed on my credit report maintained by your agency.

I have taken the necessary steps to report the identity theft to both law enforcement agencies and the Federal Trade Commission ( FTC ). I have also provided documentation of these reports to your agency along with a written request to block the fraudulent information from my credit report, as stipulated by law. Despite my efforts and adherence to the legal requirements, the inaccurate information still remains on my credit report.

This blatant noncompliance with the legal provisions outlined in 15 U.S. Code 1681c2 has caused me significant distress and financial hardship. Furthermore, under 15 U.S. Code 1681n, credit reporting agencies can be held liable for willful noncompliance with the Fair Credit Reporting Act, resulting in financial damages to the affected consumer.

I kindly request that you take immediate action to rectify this situation by promptly blocking the fraudulent information from my credit report and providing me with written confirmation of the same. Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to seek the remedies outlined in the aforementioned statute.

I trust that you will treat this matter with the seriousness it deserves and take swift action to correct the inaccuracies on my credit report. I appreciate your prompt attention to this issue and hope to receive a timely response.

I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 
The details of the accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect as I have never opened or authorized these accounts.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-21
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. (KS)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still an account that need to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

XXXX XXXX
Consumer complaint received 2023-08-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, # 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 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
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. (NY)

I hope this letter finds you well. I am writing to dispute and request the immediate removal of an inaccurate credit account from my TransUnion credit report. The account in question is related to a XXXX XXXX card service and has been inaccurately reported for the past seven years. This erroneous information has greatly tarnished my creditworthiness and compromised my financial stability. 

I have taken proactive measures to address this issue with other reporting agencies, whereby the disputed account has been duly removed upon proper verification and investigation. However, it appears that TransUnion has failed to acknowledge this resolution, thereby placing an unnecessary burden on me without sufficient cause or justification. 

The discrepancies within my credit file are not only damaging but also constitute violations under several provisions of the Fair Credit Reporting Act ( FCRA ). As per my understanding of this legislation, I would like to bring your attention to the following breaches : Section 611 ( a ) ( 1 ) ( A ) " Permissible Purposes '' : Based on this provision, TransUnion is required to ensure that the information contained within my credit report is accurate and reflects the true state of my credit history. The inclusion of this inaccurately reported XXXX XXXX card service account directly contradicts this requirement. 
Section 607 ( b ) " Accuracy of Information '' : TransUnion is obligated to conduct a reasonable investigation into any disputed information found within consumer credit reports. Despite fulfilling the necessary steps to rectify this matter elsewhere, TransUnion 's failure to promptly investigate and remove this inaccurate account constitutes a violation of this section. 
Section 611 ( a ) ( 5 ) ( A ) " Prompt Notice of Reinvestigation Results '' : According to this provision, TransUnion is required to inform consumers of the results of any reinvestigation conducted. I have not been provided with any notice regarding the status or outcome of the investigation into my dispute, which further suggests non-compliance with FCRA requirements. 
In light of these aforementioned FCRA violations, I kindly request that TransUnion : I thank you in advance for your prompt attention to this matter. Your swift action will greatly assist me in resolving this unfair situation and restoring my accurate creditworthiness.
Consumer complaint received 2023-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Called today at XXXX XXXX to find out the status of my dispute concerning XXXX. I spoke to XXXX in the XXXX XXXX Credit Card Dispute department. I asked her why I wasn't given full credit when I initially made my claim ( on XX/XX/2023 ). Her answer was nonsensical. 

I asked to speak to a manager. She said she had XXXX on the line. Then I did not hear anything and repeatedly said " XXXX? '' and " XXXX? '' Then I hung up.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
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. (LA)

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 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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The reporting agencies continue to report my student financial information incorrectly. The account has been discharged under agreement of XXXX, XXXX. The 1099-C was accepted and processed by the IRS. Since this was a certificate of indebtedness and is considered income the reporting agencies should not be reporting this account. I have tried to get the record corrected with no success. Under the Family Educational and Privacy Act my educational records should not be shared with third parties. The reporting agencies are not ANY affiliation to any educational institution therefore they should not have my educational financial records. Any termination of a consumer credit that has a balance due over one dollar is credit to the consumer, therefore reporting this account with a balance is inaccurate reporting which is a violation of the Fair Credit Reporting Act. Several of the accounts are also listed multiple times on the credit report which means this report is not accurate which federal laws states the reporting agencies MUST maintain 100 % accuracy.
Consumer complaint received 2024-10-14
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: U.S. BANCORP (NY)

I purchased a XXXX XXXX XXXXcket # XXXX BKK to SUB for {$120.00} on XXXX XXXX when I pressed pay with Fidelity signature credit card I got charged surreptiously {$7.00} additional.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXXXXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these

unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2023-09-05
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Received a call multiple times today of a number XXXX as IMPERSONATING AND SAYING IDENTITY WAS STOLEN pretending to be capital one it actually showed up in my phone as capital one which I have an account through and use them for banking and they called to say I was a victim of identity theft, and they gave me the last XXXX social XXXX which is actually my fathers, and said that somebody opened up an account and applied for a credit card and loan in Texas, which I did not do, they are pretending to be capital one and Somehow getting information and calling pretending to be my bank and theyre not and now I am scared my identity is stolen with my dads
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (IL)

XXXX / XXXX ACCOUNT HAS BEEN OPEN WITHOUT MY CONSENT. I DID NOT AUTHORIZE THIS ACCOUNT. ITS Reported For : ACCOUNT ABUSE ; Original Charge Off Amount : {$440.00}
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I do not know much accept that when I found out that a credit account was opened with XXXX  XXXX bank without my knowledge, so I did a credit report with XXXX and it showed that another inquiry was made without my consent or knowledge on XX/XX/year>XXXX  with CAP ONE NA.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2023 ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]