davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX uses XXXX for their store credit account. The bank/XXXX  sent me a special deal on which I could charge up to {$6000.00} and if I repaid the account in full on XXXX mos or less, I would pay no interest. I accepted the deal and bought flooring for my house. I repaid the loan in less than 12 months. In the first part of 2024, I received a mailing from XXXX XXXX threatening me that if I did not charge something using the credit card they would lower my credit amount from {$6000.00} tov {$2500.00}, I call XXXX and told them I did not need anything and lowering the credit limit would hurt my credit. They said you either use the card or they would lower the amount. I told them to cancel the account. XXXX lowered my credit by XXXX points for the lower amount and another XXXX points for cancelling account. In XXXX I received XXXX new cards from XXXX with the same account. Called them, nothing they could do but call credit bureau and charge my credit another XXXX points. XXXX XXXX stated they were not aware XXXXXXXX XXXX was doing that. I asked them to call Credit Companies but did not do that. How many thousands of others were blackmailed by XXXXXXXX XXXX  As a retired Veteran of XXXX and retired XXXX XXXX XXXX XXXX XXXX, why would a bank blackmail and hurt someones credit for nothing?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Loans and credit cards were fraudulently opened in my name. 
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 2024-07-26
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. (TX)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (CA)

On XX/XX/XXXX at XXXX I received a text message from my bank asking If I just tried charging XXXX with XXXX XXXX. I replied no as my XXXX XXXX  subscription is only XXXX after reviewing my XXXX XXXX  account it looks like my bill has gone up. Thr response to the text message was. " XXXX : Huntington Confirm It. We suspect fraud. Your card has been locked. Call XXXX XXXX at ( XXXX ) XXXX. Reply STOP to end fraud alerts. '' I have called the number several times with no answer. I am unable to use my debit card. I have tried using the mobile app where it shows my card is locked but I can't unlock it. 

I have already opted out of texting from the bank so that message should have never been sent. 
There is no option to unlock my card or have access to my funds
Consumer complaint received 2024-07-26
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NC)

On multiple occasions in XXXX, I discovered unauthorized transactions on my Navy Federal Credit Union ( NFCU ) credit card. The transactions, which I did not make or authorize, were as follows : - {$3300.00} on XX/XX/year> - {$3200.00} on XX/XX/year> - {$8000.00} on XX/XX/year> - {$6500.00} on XX/XX/year> I promptly reported these transactions to Navy Federal and provided extensive documentation to support my dispute, including mailed letters, faxed documents, and e-messages. Despite my efforts, NFCU denied my dispute, incorrectly classifying it as a " billing error, '' although I had clearly reported these as fraudulent charges. 

Navy Federal did not provide any evidence of my authorization for these transactions, such as identification or a signature. Instead, they closed the dispute without resolving the issue, leaving the fraudulent charges on my account and causing significant damage to my credit report. 

This situation has caused me considerable distress, and I am now seeking your assistance to ensure that these fraudulent charges are reversed, my credit report is corrected, and a proper investigation is conducted into the fraudulent activity on my account. 

**Dates of Unauthorized Transactions and Actions Taken : ** - Unauthorized Transactions : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> - Dispute Filed : After discovering the transactions - Documentation Submitted : Mailed letters, faxed documents, and e-messages to NFCU - NFCUs Response : Dispute denied, classified as a " billing error '' I request that Navy Federal Credit Union reopens this dispute, reverses the unauthorized charges, corrects my credit report, and conducts a thorough investigation into the fraudulent activity and they sent me a mailed letter stating they have reviewed and remain they did not find a billing error.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I took over as the XXXX for a non-profit corporation that banks with Citizens. The prior XXXX arranged a meeting with the branch XXXX to remove the prior XXXX from our accounts at Citizens, and add me as the XXXX of the accounts. We have XXXX savings accounts and XXXX checking accounts. The meeting at the branch took place on XX/XX/year> at the Citizens Bank XXXX XXXXXX/XX/XXXXWe had the officers of the non-profit meet with the branch XXXX, and we signed documents, etc. I was told by the branch XXXX that administrative control was transferred to my name, and that I should try logging in to the accounts when I got home. 
We left the branch, and I was unable to register for online access using the Citizens app. I waited until the following week to follow-up with the branch. I called and was told the branch XXXX was on vacation. Over the course of the next week, I followed up numerous times. I asked for the branch XXXX to call me, but never heard from him again. I sent at least XXXX emails, and requested several times to the branch employees to have the branch XXXX contact me, but I never heard from him. 
XXXX of the branch staff reset the password linked to the treasurer 's email address, which I had access to, and I was able to login as the XXXX on XX/XX/year>. The old XXXX 's contact information was still listed on the account, and the account was still tied to his cell phone number. I spoke to branch staff several times to have this resolved, but as of XX/XX/year>, the former XXXX 's contact information is still tied to the account. I was concerned that the former XXXX could still access the account, given XXXX authentication was still tied to his phone number. This also made me concerned about the internal controls of the bank. I closed the accounts with Citizens today, and felt the need to file a formal complaint.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX I XXXX XXXX the United States XXXX XXXX in XX/XX/XXXX I purchased a new vehicle and at the time XXXX I believe was the bank that gave me the loan then they merged or got bought out by Santander consumer at the time of the purchase I was protected under the service member civil relief act also known as SCRA act. Which clearly states that any service member should not be charged or given a loan over 6 % interest the banks knew this, but I did not and I was charged 10.39 % interest. 
When I realized that I was overcharged, I contacted Santander in XX/XX/XXXX, about my protections, and they responded with a letter XXXX XXXX stating that I needed provided the proof that I was a service member at the time of the loan which I did in XX/XX/XXXX I sent them copies of my XXXX, which showed my Pay, my location, which I was stationed in XXXXXXXX XXXX at the time and who was paying me, which was the United States XXXX XXXX and they responded with the letter again on XX/XX/XXXX, stating the documentation I submitted was not acceptable to protect me under the civil service members act. So later on in the month of XXXX that year I submitted my XXXX XXXX which clearly is my proof of my service the dates and my list and its signed by commanding officer of the United States XXXX XXXX. I didnt get any more letters back so I called and they told me That because the account was so old and closed that they could not make the changes to the account. Now, when a consumer doesnt make payments on the vehicle, it gets reported to the credit bureaus when there are a few months behind the vehicle gets repossessed. What happens to the banks when they steal money from the consumer especially a service member someone that goes out and protect their country so they can steal from their fellow consumers or the fellow patriot And the only thing that helps them will protect them is something thats written down as a law or regulation what actually happens to the banks apparently nothing because they dont care which is why Im now filing this complaint. By the way, I would upload the conversation I had with the Santander representative because my phone recorded it and I saved it, but I think its over the limit as to how much I can upload.
Consumer complaint received 2024-07-26
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. (OH)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX original creditor XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2019-11-27
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: EQUIFAX, INC. (OH)

I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CA)

I am being harassed over medical bills that have been settled through my insurance company. I have discussed the issue with the actual debtor and my insurance companies multiple times. The dates on the bills continue to represent FALSE dates and are inaccurate. All bills have been previously settled through insurance company. Debtor and collector refuse the research and update records.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

MOHELA randomly charges my bank account that dont go toward my principal for my loan. Theyve done this on two separate occasions where they take out money randomly and it doesnt go towards my debt repayment. On XX/XX/year> for two separate transactions of {$190.00} and {$190.00}. The second on XX/XX/year> for {$120.00} and {$120.00}. I have called customer service numerous times and they have claimed that they cant find those payments I just listed. Those payments are clearly on my XXXX statements and I can provide details if necessary.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I brought to Bank ' s attention on XXXX that my checking account was hacked and about {$43000.00} was gradually withdrawn from my account. I was told by the Bank that transaction has copy of my authorization to debit my account which I never did. Some of the money was used to purchase the guns. I requested that copy of authorization XX/XX/2024 which I have not received from my bank.The un-authorized withdrawal was going on since XXXX but nobody from Bank ever brought to my attention about unusual activity in my account.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date Of BirthXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, XXXX and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. 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 XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

I sent a validation letter to XXXX XXXX XXXX for them to verify this alleged debt in the amount of {$290.00} from XXXX per their correspondence. This letter was mailed to them on XX/XX/2024. 

I received a letter from Jefferson Capital Systems dated XX/XX/2024 acknowledging receipt of my letter for validation. the letter stated that they would cease collection activity until verification of the debt was provided to me. Also, that they request the consumer reporting agencies to delete this account from my credit file. 

As of today, XX/XX/2024, I have not received validation of this debt from XXXX XXXX XXXX  and the debt is still being reported by XXXX. XXXX XXXX has violated my rights under FCRA, due to them not ensuring this debt is not being reported by all of the credit bureaus they submitted it to.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus TRANSUNION, XXXX AND XXXX 1. XXXX / XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX