davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (GA)

I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - XXXX** reported the account as a charge-off in XX/XX/year> XXXX Reported the account as paid on XX/XX/year> - **TransUnion** data shows Charge-off in XX/XX/year> These inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. 

Under the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. 

I am demanding the deletion of the account XXXX XXXX XXXXXXXX from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-02
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. (NV)

In regard to items, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. Equifax, XXXX, and XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title.

15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had a checking account in 2012 with Wells Fargo Bank. I am entitled to settlement money from fees accrued from my bank account due to overdrafts. I believe I was taken advantage of at the time and ultimately closed my account. I have not yet been reached out to by Wells Fargo because I currently do not have access to the email that was used at the time of opening a he account and I no longer live at the address that was used as well.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

A Collection account that does not belong to me has been added to my Credit Report. 
Creditor : Credence Resource Management Date added to my Credit Report : XX/XX/2024 I called the creditor to dispute this information, but was told they could not give me any information because it is not in my name. I have never received a debt validation letter. 

Also, my Credit Report was showing other names and addresses not belonging to me. Those have been disputed and removed.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America is taking to long to take care of this problem. I want it taken care so I can close my account. the need to give the money back they took for XXXX XXXX and XXXX ride. I never request a {$43.00} ride from XXXX and proved I did not call for that ride.I have already did my work direct deposit to another bank. I want Bank of America to pay me back I will close my account. Also it is easy for hackers to from others countries to hack into Bank of American accounts, Thank you so kindlu
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$8200.00}
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am REWRITING to complaint BK OF AMER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/year> my bank account was compromised for {$10000.00}, from a fake XXXX making 4 transactions two for {$4000.00} and two for {$1000.00}! I immediately called XXXX first and they told there wasnt anything they could do because the payment was already completed! I then called my bank ( Navy Federal ) to report the fraudulent transactions! I called XXXX # and the representative I spoke with told me she seen exactly what happened too my account, she began to tell me that the name on the account was almost identical to mine the just changed the last letter in my first name! So i made the claim she stated i would receive my funds back within 10 days! Well i get a email stating nothing happened to my account, so i called again to speak with a fraud supervisor who told me that whoever compromised my account had been in it since XX/XX/year> just making small transactions and i would need to submit a claim for them also since i did not authorize any of them which i did even though he said since they had been so long ago they probably wouldnt repay those funds! I submitted the claim only for them to deny it! Ive submitted an appeal on my claim havent received anything! So here i am asking you all for help if you please could i work too hard for my money just to wake up and its gone one day!
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA (OH)

I just started a new job a few weeks i had asked kia finance how much i needed to pay to stop the repo they refused to tell me anything so i made my normal car payment in hopes to prevent it but they decided it was not enough and they came in the middle of the night to repo the car and now will not return the car or the funds so i can get another one
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I FILLED OUT A XXXX ACCOUNT XXXX AND WAS APPROVED FOR A XXXX XXXX XXXX XXXX XXXX AND ACCOUNT NUMBER IN XX/XX/XXXX. I BROUGHT IT TO A XXXX STORE IN XXXX IN XXXX XXXX. THEY STATED THEY WOULD COMPLETE THE ORDER FOR ME WHEN I GET A HARD COPY ID. CAUSE THEY COULD NOT USE THE PAPER ID AT LEAST XXXX DIFFERENT STORES STATED THIS. EVEN-THOUGH I HAD OLD HARD COPY IDS TO CORROBORATE THE PAPER ID THEY WOULD NOT LET ME USE IT. THEY TOLD ME CALL CUSTOMER SERVICE CAUSE NO ID IS REQUIRED IF THEY APPROVE EVERYTHING THEY WILL SATISFY THE account for me in person. I CALLED OVER THE XXXX CUSTOMER SERVICE LINE AND I WAS ASKED MY PERSONAL INFO TWICE, DATE OF BIRTH, FULL SOCIAL SECURITY NUMBER AND NAME AND ADDRESS TO XXXX DIFFERENT PERSONS XXXX AND XXXX AT XXXX XXXX APPROXIMATELY AT ( XXXX ) XXXX. PLEASE COLLECT THE RECORDING OF THIS CALL TO VERIFY ( MY VOICE ), THE REAL XXXX XXXX XX/XX/XXXX XXXX DATA. I HAD XXXX IDENTIFICATIONS PRESENT MANY PEOPLE ARE FAKING MY VOICE, PRESENTING MY NAME IN CONNECTION WITH ASSESTS AND MONIES THAT ARE MINE BUT THEY ARE STEALING AND COMMITTING FRAUD. THEY STATED MY CREDIT CHECK FAILED YESTERDAY WHEN I WAS TRYING TO GET A PHONE AND I BELIEVE THEY WERE COMMITTING IDENTITY THEFT AND TRYING TO ALLOW ANOTHER PERSON VERIFY AS ME OUTSIDE OF MASSACHUSETTS WHERE I AM RESIDING AND MY SOCIAL SECURITY SHOWS THIS IS MY HOME STATE. XXXX BUT I HAVE PROPERTY IN MANY STATES AND BANK ACCOUNTS IN MANY STATES. ALSO CONNECTED TO OTHER COUNTRIES AS WELL. MY OLDEST IDENTIFICATION CARD IS CONNECTED TO MOST ACCOUNTS FROM XXXX. DRIVERS LICENSE WHICH I STILL HAVE. PLEASE COLLECT THE PHONE CALL AT ( XXXX ) XXXX WITH XXXX XXXX ( XXXX ) AND XXXX FROM XXXX. XXXX PHONE CALLS LONGEST CALL XXXX MINUTE CALL UNINTERRUPTED. I AM XXXX FOOT XXXX INCHES AND HAVE A SCAR ON XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX EXTREMELY HUGE, MY WEIGHT IS XXXX AND MY ARMS AND LEGS HAVE A TOTAL OF XXXX XXXX AND CURRENTLY RIGHT NOW MY HAIR IS BRAIDED. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE CONTACT XXXX ( MY EMAIL ADDRESS ) FOR FURTHER INFO. PLEASE PREVENT THIS FRAUD AND CREDIT REPORTING ABOUT ME FAILING VERIFICATION ON CREDIT CHECK WITH MY NAME, ADDRESS AND INFO. PLUS THE CUSTOMER CARE STATED THAT I COULD HAVE THE STORE EMPLOYEE VERIFY MY IDENTIFICATION IN THE XXXX STORE WITH BOTH EMPLOYEES AND HIM OVER THE PHONE WHEN I GOT THE STORE EMPLOYEE AND PUT THE XXXX CUSTOMER CARE ON THE PHONE WITH THE EMPLOYEE AND ME HE DISCONNECTED THE CALL.
Consumer complaint received 2024-08-05
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

Identity was stolen. Credit account open with XXXX XXXX and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in Ohio.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.
Consumer complaint received 2024-08-03
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 (CT)

On XX/XX/XXXX I made a dispute with Navy Federal who issue my debit card. They took this dispute and stated they would Thoroughly investigate my claim. However, on XX/XX/XXXX I receive a letter stating they found no wrong in the company I was disputed and the amount that was disputed was what was owed once they delivered the item. Which was inaccurate given the items was purchased on XX/XX/XXXX and then was delivered on XX/XX/XXXX. My dispute was because the items wasnt as describe and I wanted them to honor their manufacture warranty but XXXX XXXX  denied my claim on an item that was a defective items. My dispute wasnt because of what was owed once the item was delivered it was in the regards of the item not being as Describe. Which means they failed to Thoroughly investigate this dispute
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I submitted a dispute in XXXX 2024 which Equifax says was resolved. During the same month I signed up through XXXX for their credit monitoring services which provided access to both XXXX and Equifax report. 

Ever since XX/XX/XXXX none of my creditors ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) have been able to pull my credit. I can not get a car loan, credit line increase or new credit because my Equifax file can not be accessed. 

I was given XXXX different case numbers with Equifax ( Consumer Affairs ) each promising they would fix the problem. Only to be told later that there are no freezes on my report and they can not help me. So my credit can not be pulled and they will not find the issue. 

Either XXXX credit monitoring put a code in that is blocking my report or someone at Equifax did the same when entering my dispute. 

I am beyond frustrated and need assistance as it is causing great stress for me.