davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2024 I opened a XXXX checking and saving and added my fiance XXXX XXXX to these account. 

That same night she tried to XXXX from her XXXX XXXX  Account to our joint Navy Federal Credit Union account. 

She sent {$1.00}, ( to make sure it went to right account ) ; which it posted. Then she sent {$890.00} ; and the {$890.00} would not send. 

The next morning I got XXXX emails from Navy Federal Credit Union stating there was fraud done with my account. 

I called Navy Federal Credit Union, and they had closed my account, and did not want to discuss anything else. 

I went to the closest branch, and they said the XXXX transaction was reported by XXXX as fraud. 

Navy Federal told me that there was nothing they could do about it, and it was not reversible. 

I have never committed any type of fraud ; and I am very offended. 

I was able to get all my accounts closed, and my money out of the bank ; but that is not what I wanted ; which was to keep all my accounts. 

I appreciate security protocol, but security got this situation completely wrong.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (MO)

Experian notified me through there website that 2 disputes are ready to view but like all the others when you click on it they say not available so you must call and I did. The XXXX XXXX  speaking person said they want my whole social security number, WHY NOT JUST THE LAST 4 SO I TELL HIM I AM ALSO RECORDING LIKE THEM AND HE HANGS UP
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge,  consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2024-09-27
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-02-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Refused to credit the late fee reason : no option available to reverse the XXXX late fee. 
My XXXX XXXX ACCOUNT due date is the XXXX of each month, I paid my monthly payment on the XXXX of XXXX BUT the app option did not allowed me to schedule the payment on the same day which was the XXXX instead it only allowed me to make the payment until the following day of the XXXX. Today, I contacted XXXX XXXX XXXXXXXX CREDIT CARD request my call to be escalated, spoke with XXXX, Senior Account Representative and he indicated no option to reverse the XXXX late fee because the cut off time is eastern time XXXX XXXX I explained to him I am in CALIFORNIA pacific time and I made my payment on the XXXX, he explained that he understands but is unable to reverse the late fee, I asked for a copy of the agreement and he said he will send to me in a month, he also said this will not affect my credit reporting but it is considered late. I told him that pursuant to CALIFORNIA LAW a late fee should not be assed until after XXXX on the due date. He said to go ahead and file a complaint with the state attorney general and with you if I wish to get this late fee reversed. As of the date of this complaint I have not received a copy of the legal contract. This is unfair business practices act violation within my state and I do not want to become a victim of late fees when I am making my payment on the due date according to my time zone. The payment method used to make the payment placed a hold on my bank account on the XXXX and not in the XXXX, CAPITAL ONE secured the payment on the XXXX but processed until XXXX, unfair I want the XXXX to be refunded
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I received my most recent consumer credit report from Experian aand have found an alarming amount of inaccurate info in regards to names that are not mine and unmailable addresses that I have also never lived out. 

I contacted Experian via XXXX on XXXX  to inform them that this info needs to be removed and is a violation of 15 USC 1681. 

The agent I spoke with, told me that the info was accurate, and I told the agent that this is hearsay and that I as the consumer, am currently informing her that the info is not accurate and that continuing to report inaccurate info is a violation of my consumer rights. 

The agent then proceeded to say and do nothing for over XXXX XXXX. I was never informed that I was on hold and could still hear the static from the agent 's line. I disconnected the call after XXXX and XXXX of this. 

Experian has XXXX different names listed on my profile. XXXX of which are not mine, are misspelled, and I have never gone by these names and do not claim or recognize them. 

It appears that Experian had trouble verifying my identity and even asked me to provide info so that they XXXX update their records. This is also a clear indicator that the info on my report is not fully accurate.
Consumer complaint received 2024-09-27
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$3700.00} - Chargeoff - XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} - Chargeoff- XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$14000.00} 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 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my XXXX score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement
Consumer complaint received 2024-09-27
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (KS)

On XX/XX/XXXX I asked about my debit and credit card expiration date then I was told that two cards were sent in XXXX. I responded that I had visited my mailbox but an employee had given me my alleged mail outside the business as an alleged favor because I am XXXX with a XXXX. 

I informed the credit union that I had not changed my mailing or physical address in almost three years since I moved here in XXXX so my address is the same. 

I have repeatedly asked them to resend my new cards after I asked to speak to a supervisor or manager. An alleged supervisor responded without a name indicating for my address and I gave it to them, my mailing address. 

Today on XX/XX/XXXX I asked them again about my debit and credit card to be sent and they advised me that they canceled both cards so we are back to almost a week ago telling me that I needed to check my mailbox. I told them to cancel my two cards and send two new cards to my mailing address as there have been no change in my mailbox address. 

They asked me to call a number if my address has changed, but it has not and I told them.
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-01-30
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. (DC)

Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX Dispute Team, Hi XXXX XXXX this is XXXX XXXX and my friend which is my XXXX XXXX XXXX XXXX from XXXX suggested I contact you regarding an Account Review Inquiries or disputed item on my credit report. I as a federally protected consumer would like the Account Review Inquiries to be removed and they are not authorized XXXX inquiry mentioned that I did a consumer request. I did not do any request for any services at XXXX XXXX credit monitoring services through XXXX My issue and a mistake is unauthorized inquiries on my report. 

I would list the Account XXXX Inquiries from XXXX XXXX are XXXX XXXX inquiries. 

The Account Review Inquiries are : 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  Account XXXX XXXX totaled. 
I also going to send you XXXX TransUnion credit reports so you can see them. They are highlighted in YELLOW coloring. I have reported this issue since XXXX of last year. 
FTC # XXXX XXXX XXXX File # XXXX Dates Issued XXXX XXXX XXXX XXXX XXXX Code XXXX along with Fair Credit Reporting Act ( FCRA ) I as the consumer I am requesting you to investigate this dispute and make necessary deletions in my credit file. The FCRA also requires XXXX XXXX to provide me a written notice of any action taken within XXXX business days after completing its investigation. 


This is XXXX XXXX XXXX signing off Sincerely, Clients name : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-01-30
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. (NY)

A complaint was filed back on XXXX of XXXX This was because of a data breach with XXXX where the accounts were not removed. Also a investigation was requested and accounts came back as verified when a [ proper investigation was not completed. Accounts that were not in dispute were removed without my consent and improper accounts remained on credit report. 
In accordance to 15 USC 1681 1 states that the report must be fair and accurate and also 15 USC 1681e in Compliance procures. 
These accounts are still reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been sending lettrs to all three credit bureaus about accounts that are not valid and that i need removed immediately if they can not validate the accounts within 15 days they keep coming back verified but that is a lie
Consumer complaint received 2024-01-30
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. (FL)

Transunion, itself is furnishing information on my consumer report without participation of the said companies. For example, when I contacted XXXX XXXX  if they furnished inquiry on my consumer report, they said no but transunion is publishing the said report. The is falsification of information and identity fraud.
Consumer complaint received 2024-01-07
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. (FL)

ALL OF OUR MAJOR ACCOUNTS PAID OFF OR DOWN XXXX ARE STILL NOT REFLECTED ON REPORTS! OUR SCORE ACTIALLY WENT DOWN. O F course I expect nothing from you or them. In my opinion by nature of hundreds of experiences - A SHAM consumer protection
Consumer complaint received 2023-03-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-19
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)

1. Credit score was lowered from XXXX to XXXX for no change in report and remained low for 5 months. 

2. They have failed to properly investigate dispute on my credit report from XXXX XXXX. XXXX XXXX failed to respond to debt validation letter sent by certified mail. Letter was sent to XXXX in XX/XX/2019- no response to date. 
Ive disputed this debt with XXXX and Transunion, most recently in XX/XX/2019.
Consumer complaint received 2024-09-27
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. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-27
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. (MO)

On my credit report there is an account called XXXX XXXX  and I never had any accounts with XXXX XXXX  or applied for any credit products from them. 

So, because of this I had to file an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX from my credit report immediately. A failure to do so will result in me taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX  from my credit report immediately.