davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (AZ)

My tax refund came in and they took XXXX dollars from my savings, and when iasked them where it went they said it went to the XXXX XXXX card .I said its gone from my account and they said yes it was closed. 
iasked them to show me the money went to that account and they said they could not do that. 
this is not the first time they have been taking my money all nthe time for a account i cant see. 
and no proof or reciepts. 
i asked for the manager and the told me the same thing. 
the money they took was from my sons acount.
Consumer complaint received 2024-07-11
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. (SC)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-07-11
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. (SC)

" 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 2024-07-11
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (OR)

There were late fees associated with the move out XXXX XXXX, but we only received XXXX statement in in XXXX 2023. Our move out date was XX/XX/XXXX. I asked to drop the late fees because the first statement we received had about XXXX  month of late fees. 

They charged us for carpet replacement. However when we moved in there the carpet smelled at XXXX XXXX and we deep cleaned it ourselves and couldn't get the smell out. We complained about it to them and asked if they could replace the carpet since it smelled ( the had their own person walk in and verify the smell ). However they said that since they deep cleaned it themselves theres nothing they can do about it. We almost reported them to the XXXX and thats when they finally replaced our carpet. Upon move out we see that they are charging us for carpet replacement due to pet damage. We have a well behaved dog and never had an accident in the house and we don't have a cat. We asked to see how the vendor assessed carpet damage because we didn't see any but found it unusual that they didn't notice the XXXX XXXX smell from the occupants before and all they did was deep clean it. We only lived there for XXXX years. 

We hired cleaners to deep clean the whole place upon move out and we evaluated the place after they were done. The close out statement shows that they had cleaners come by to clean the place. We asked for an itemized list because we want to know what the cleaned since it was already deep cleaned. 

They charged us for paint and we never painted our walls. They also left our patio ceiling unfixed for over XXXX months and they just told us not to use our patio since it was dangerous. They never got around to fixing it while we were living there. We asked if we could have our rent reduced for the time being since there was part of our place that we couldn't occupy and they never responded. 

When we received our move out statement, I called and asked for the late fees to be dropped, the carpet vendor 's assessment, an itemized list from the cleaners, and we wanted to further discuss the other charges on there, along with other concerns that we had while we were living there that they never communicated with us about. They told me that they will look into it, and in the meantime we can hold off on paying the move out statement. 

On XXXX XXXX, 2023 my wife wrote them an email summarizing what we needed from them. She let them know that no one has reached out to us and would like a follow up with them. XXXX XXXX, 2023 she gets a reply back asking if anyone has followed up with us. She writes back " no '' and then gets an email back saying they will follow up. We haven't received a follow up since then. 

I did a second follow up call and they just kept saying that they will follow up and that they are busy. 

We never got any of the information we needed and they never followed up with us.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100 % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 


Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE IMMEDIATELY
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2018, XXXX XXXX XXXX XXXX in XXXX XXXX, Minnesota pulled my credit report from Experian/XXXX XXXXXXXX. My credit score was over 100 points less than what I know my score to be from several other sources. This lower score ultimately affected the rates that this credit union was offering me for an auto loan.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IN)

This company is constantly reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Consumer complaint received 2024-04-30
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I traded with XXXX XXXX and at that time I was a member of Huntington Bank, When my mom told me it was fraud, I had to have them refund the money only for them to tell my bank that they did their deal and it was unrefundable. I had my bank investigate it and they came and told me it was true that it is unrefundable. So they sent back the money to the XXXX XXXX. After a certain period of time, I stopped living in the off campus housing as my bank was on overdraft. And huntington locked me out.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have about {$22000.00} in federal student loan debt which was initially serviced by XXXX. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an Experian background check which showed about {$44000.00} in federal student loan debt. Experian is counting my loan balance twice, once with XXXX and once with XXXX. I submitted a dispute with Experian for each XXXX loan on the credit report. Im unsure if this is an error by Experian, or by XXXX or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Re : Social Security Number XXXX XX/XX//2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Consumer complaint received 2024-07-11
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. (CA)

I recently investigated my credit report and discovered multiple inaccuracies. According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to ensure maximum accuracy in their reports. Furthermore, under 15 U.S. Code 1691i ( 5 ) ( A ), if any disputed information is found to be inaccurate or unverifiable after reinvestigation, the agency must promptly delete or correct it and inform the provider.
Consumer complaint received 2024-04-30
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. (NM)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I am writing to address significant concerns that I have been experiencing with Federal Student Aid and my current federal student loan lender, Aidvantage ( previously operating as XXXX ), regarding my federal loans and my approved Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) which have been ongoing since XXXX. I understand that XXXX time as a servicer on behalf of the Department of Education was marked by failure, scandal, and unparalleled borrower harm resulting in law suits and it appears that Aidvantage is on the same path as demonstrated by what I have been experiencing. 

I have been a dedicated public servant working for the XXXX XXXX XXXXXXXX since XXXX. I work in the XXXX XXXX XXXX XXXX XXXX XXXX serving the XXXX XXXX XXXX most vulnerable populations. When the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) was announced during the pandemic, I applied. Also, during the pandemic, I experienced unfortunate circumstances with a deceptive contractor that led me into bankruptcy. 
I applied for TEPSLF months before my bankruptcy was confirmed and was also informed by the Department of Education that my TEPSLF was approved and that my loans were being transferred to XXXX months before my bankruptcy was confirmed. Aidvantage is refusing to transfer my loans to XXXX despite my application and approval prior to my bankruptcy status. Furthermore, Bankruptcy Judge XXXX XXXX also ruled that the bankruptcy stay does not apply to the transfer of my student loan debt from one servicer to another or my application for re-aging and forgiveness of the debt.
Consumer complaint received 2023-09-18
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. (TX)

I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite my initial request and the provision of supporting documentation, the inaccuracies have not been resolved. This letter serves as my second attempt to request the removal of these fraudulent items and to express my continued concern regarding their presence on my credit report. 

I can not overstate the importance of resolving these fraudulent items promptly. Their presence on my credit report continues to harm my financial well-being, making it difficult for me to access credit, loans, and other financial services on fair terms. 

I kindly request that your bureau conducts a thorough investigation and removes the fraudulent items listed above from my credit report as soon as possible. Additionally, I urge you to provide me with a written explanation outlining the steps taken to correct these inaccuracies, along with a timeline for their removal. I need clarity and assurance that this issue will be resolved without further delay. 

If these fraudulent items persist on my credit report after this second request for correction, I may have no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. These fraudulent items should be deleted by XXXX and Transunion Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

Deposit date was XX/XX/2024 The date they put a hold on my money {$710.00} Was XX/XX/2024 I called them yesterday and today I got no help from them at all I message them in the app they responded they didn't get my proof I sent They keep saying that my check wasn't going to be cashed that is why they put the hold in my account My account balance is {$960.00} but they only put {$220.00} in my account it seems like someone is trying to steal my money by using the banks process of cashing checks Bank name is Navy Federal Credit Union
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc. (NY)

I check my consumer reports regularly and upon doing so I noticed that XXXX isn't reporting my two oldest primary tradelines which are my federal student loans. After contacting XXXX I was told that they've never had any knowledge or records of my student loans and there isn't anything they could do as far as updating my consumer report. However they recommended that I contact the original creditor of my student loans ( Aidvantage ). Upon speaking with a customer service representative at Aidvantage I was informed that they report y student loans to each of the the 3 major credit bureaus XXXX, XXXX, XXXX, and XXXX as well. I then requested that they send a letter of insertion to XXXX to ensure that they'll begin to report and they have yet to report anything of my student loans which again are my two oldest primary tradelines. With XXXX failing to report my positive information regarding my student loans this hinders my credit worthiness and is a clear FCRA violation due to misleading data being an error. I've also attached my XX/XX/XXXX consumer report from XXXX showing my student loans reporting and my XX/XX/XXXX consumer report from XXXX that's not showing my student loans reporting.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and anger about the account on my credit report that shows late dates and a negative status. This account belongs to XXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance {$2300.00}. Let me clarify that this was an error on the database of the bank. I have never been late and always paid on time. Therefore, I demand that the bureau removes the late dates and updates the negative status of this account to a positive one. I already submitted a dispute to XXXX regarding this issue, and they have addressed it accordingly. They have removed the late dates and updated the negative status of this account to a positive one. I was the victim of this error, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.