davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Situation My wife and I have been loyal customers of Citizens Bank for over 35 years, holding various accounts including checking, savings, investments, credit cards, and our mortgage. Sadly, on XX/XX/year>, my wife passed away unexpectedly. I provided our local branch with proof of her passing to freeze her accounts and withdrew some money from our savings. On XX/XX/year>, I paid the total balance due on her credit card from our savings account. 

In XXXX, I received a new statement with a balance of {$8.00} due to daily interest accrued before my XXXX payment. I paid this amount in person at our local branch on XX/XX/year>. On XX/XX/year>, I received a letter stating the account was paid in full but would be reported as a " paid-in-full charge-off, '' which negatively impacts credit reports. According to the XXXX website, A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Complication Understanding that mistakes happen, I went to our local Citizens branch for resolution. The assistant manager claimed she couldn't help. Frustrated but hopeful, I called the number on the letter and spoke to the Recovery team, who was also unable to help and transferred me to Credit/Collections . This department was unhelpful and insensitive, referring to my wife as though she were still alive and suggesting that the account had been in collections, which it had not. The employee then suggested disputing the filing with the credit bureau. After pushing back and requesting a supervisor, I was transferred back to the Recovery Department. 

I then spoke to another individual within the Recovery Department. While he couldnt resolve the issue, he at least provided this email address for further communication and to request a resolution.

Requested Resolution My wifes name and reputation are essential to me in life and death. The account status and credit bureau filing should be changed from paid-in-full charge-off to reflect that it was paid off while in good standing and is now closed. This resolution needs to come from Citizens Bank. Honoring my wife is a matter of principle and pride, and I will not remain loyal to a bank unwilling to see this through.

I have shared with Citizens Bank what the expected and acceptable resolution looks like for me. Regardless of their ability to resolve, it is vital for agencies like the CFPB to be aware of this unacceptable customer experience.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX I was involved in an accident that totaled my vehicle. I was not at fault but my insurance valued the vehicle at less than the balance owed. All of my payments have been on time and in the correct amounts. The week of XX/XX/year> I opened a GAP claim. Claim number XXXX for vehicle XXXX : XXXX. Once I had the claim number and fax number I contacted Bank of America and gave the information to the woman on the phone. It was the same day I opened the claim. I was assured that in 2-3 weeks the requested information such as : A copy of the settlement check, Copy of the breakdown from the insurance company, Full market value of the vehicle, Payment history, would all be provided on my behalf, directly to the GAP coverage company XXXX. During the past two months payments were automatically withdrawn from my checking account. Though before the second payment was made at the end of XXXX I requested that they stop the automatic withdrawals. Regardless, the packet has still not been compiled or submitted. Automatic payments are still being taken from me for a vehicle that I no longer own or am in possession of. Bank of America has dragged this out for nearly two months now and I am trying to prevent this issue from causing my family and myself anymore undue financial and emotional turmoil. I have little recourse in forcing Bank of America to uphold their agreement to submit the documents in a timely manner and would prefer that this not end up in litigation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-07-12
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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. 

I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Consumer complaint received 2024-07-06
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 (MA)

In XX/XX/2023, I was informed that I have a 30 day late payment of XXXX XXXX I tried sending emails to lot of people but never got a reply from anyone.
Consumer complaint received 2024-07-06
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: NAVY FEDERAL CREDIT UNION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft 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 identity Theft.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Today I was working with my bank ( XXXX  ) to see if I qualified for a personal loan. The bank manager called and said they needed me to unfreeze my credit report with the three credit bureau 's so that they could pull my credit. When I went to Experian 's website to log into my account it kept saying my information was incorrect and I knew I was typing it in correctly. After a few times I clicked on the option " try another way '' and when I put in my social security number and birthdate another screen popped up and said " we have sent your username to the following email address XXXX. '' I instantly realized that isn't my email address so I called the customer service number to report the fraud. The depth of the fraud didn't hit me all at once. After being on hold XXXX various times for over 25 minutes and being hung up on the only help I received was that an escalated investigation was going start and to look for an email from Experian. I asked when " near future '' would be because this was highly concerning. They said since I couldn't provide the correct information I couldn't do anything with my own account. I just don't understand ... since XX/XX/year> I have been experiencing fraud on many of my accounts. I have received various letters that the persons involved with stealing my identity and trying to apply and open credit cards, loans, checking accounts at my local bank, and now getting into my credit reporting company to try to steal my identity. I have been trying to resolve this issue by freezing my credit report with all 3 credit bureaus and they still were able to access my information. The phone number that they changed my information to with Experian is the same phone number that was used to fill out an application online at my local bank ( XXXX  ) back in XX/XX/year>. The phone number is ( XXXX ) XXXX. I have tried calling it numerous times and it is a nonworking number. 

SOMETHING NEEDS TO BE DONE TO THESE CRIMINALS THAT ARE STEALING MY IDENTITY! THEY HAVE CREATED HAVOC IN MY LIFE!
Consumer complaint received 2024-07-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/year> I set up an account with XXXX XXXX and deposited XXXX dollars into my new account with the app. I had to add my banking information and my bank statement to the withdrawal money, I also had to include my checking and savings account to my profile on the app. Once I did that later throughout the day I received a notification that said I withdrew XXXX then another withdrawal of XXXX which wasn't me I looked on my app and saw that I had vetted all the money onto the app or XXXX XXXX. I tried to withdraw the money/ cashout but it would not let me do so therefore I lost all of the funds on the app. I immediately called Navy Federal Credit Union to dispute the transaction they reset my password to create a new one and said to call back on XX/XX/year> to dispute the transaction will be posted. I called on XX/XX/year> to contact Navy Federal Credit Union and tell them I couldn't make a new password. In which they helped me to create a new one with a new account number and debit card. On XX/XX/year> I called Navy Federal Credit Union to dispute the transaction in which I explained to the person that I downloaded an app and attached my banking information to the app so that I didn't approve more funds to be withdrawn and to be used to bet. The fraud specialist created a dispute transaction for my case and said it may take a few weeks to resolve the matter of how my account had XXXX taken out to be used I explained that I use face id to get into my bank app but now the sports betting app. later that day I tried to use my credit card and it said it is locked as well XXXX as my whole Navy Federal Credit Union account has been locked, I was told to call back on XX/XX/XXXX. I called on XX/XX/XXXX stating that my account was locked and i talked to the specialist stating that I had another device that was fraudulent and accused me that I reset my password on the bank app with another fraudulent device that day for the reason that it is locked I told the specialist I do not have another device to do that but i asked the specialist for the model number of the XXXX in which she did not give me to see if it was my XXXX that was used to change the password again. to which is false I changed my password on XX/XX/XXXX with XXXX of the bank specialists in the phone and that was it in what told her but she stated that I changed it again and I received no notification to change it and I only used my credit card for the airport and to the gas station and that was it so I was confused why my account was locked. So the specialist said I won't ever be able to get into my account back because of all the activity going on with my account and said i won't be able to get the documents ts to review my case and to review my account So therefore there was nothing else done to resolve this matter at all to at least get my funds back or to get my bank account back.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " 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. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
Additionally, 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 being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e 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. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 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 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Someone has used my identity to purchase a car loan, a XXXX, in my name for $ XXXX do not own a XXXX nor XXXX registered for a loan in my name as I currently own a XXXX XXXXXXXX XXXX that is fully paid off.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

I have been trying to login to my Experian portal for weeks. Currently there is a screen that is saying " We couldn't bill your Visa ending in XXXX. Make sure your payment info is up to date to keep your benefits. '' I haven't had a card ending in that for a number of years, I never signed up for anything. I called and spoke to a rep today from my provided cell number and she COMPLETELY IGNORED everything I said. I advised her I didn't sign up and she ignored that. 

I then said to cancel anything they have me signed up for and she again ignored me completely and instead continued to try to sell me something. I got upset and asked for a supervisor and she hung up on me. This is insanity!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

I was told that I would not receive a hard inquiry because I already had an open account. I called the creditor she said she would email her corporate office to fix the situation. The company name is XXXX XXXX on XXXX and on XX/XX/XXXX This also happened with One main on XX/XX/XXXX Im not sure if this is a common practice for their employees to lie to the consumer to get applications?
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (TX)

Equifax XXXXXXXX XXXX XXXX XXXX I do not have an open credit card with XXXX XXXX XXXX XXXX You are reporting late payments and a current balance when I do not even have an open credit card with this bank. This is my 5th request. 
XXXX. XXXX XXXX  XXXX he late payment history for XX/XX/XXXX is inaccurate and needs to be corrected. My mortgage is not deferred. I am current and not deferred on my mortgage. Please remove the deferred comment and correct my balance owed. Also, remove the comment of reaffirmation of debt. I am not in bankruptcy court. This is my 5th request. 
XXXX. XXXX XXXX XXXX XXXX This account was paid for in full and as agreed in XXXX. You are still reporting a balance owed and that I am making late payments on this closed and paid in full account. This is my 5th request in writing and online to correct this account. 
XXXX. XXXX XXXX XXXX Reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my 6th request in mail and in writing. 
XXXX. XXXX XXXX XXXX  Reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my 6th request in mail and in writing. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account has been paid for in full. You are reporting it as an open account. It is not a charge off or in bad debt collections. This is my 6th request in mail and in writing to correct this account and you are still not reporting it correctly.