davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (PR)

hello. I would like to make a claim about the charges on my account of penfed on my savings account that no proceed for use the ATM machines when you did not have available machines for the clients, it is there a total amount of {$54.00} on charges on use the ATM machine fees of {$2.00} on each transaction plus {$1.00} ATM fees. And they started with {$1.00} then changed to {$1.00} if i choose to not verify balance they uodate the account statements and add the {$1.00} pls {$2.00} on each transactions, The dates and transactiosn are the following:XXXX charges of XXXX plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, on XXXX charges {$2.00} plus {$1.00}, on XXXX charges of {$1.00} pls {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00} plus {$2.00}, on XXXXcharges  of {$2.00} plus {$1.00}, on XXXX charges of {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00} on XXXXcharges of {$1.00} on ATM fees. there are {$54.00} on atm fees charges. Please refund the money that you charge on my account those charges do not proceed. They PENFED are accesing in the account and ajsting and adding more fees beacse revise the transaction deposit that i received for aids for pandemic covid19 disaster. Equally they performed the same thing on the credit card addin {$30.00} on my balances when I am online, I called and the lady pretend to close my credit cards without y authorization and request, and they denied me a consolidation of credit cards balance to pay a debt of {$11000.00} like having a {$30000.00} loan at 4.25 % and I'm not having that debt I only have {$11000.00} and making payments of {$220.00}, they did not want to provide me any aids after the disaster. 

please let me know. 
XXXX XXXX
Consumer complaint received 2024-05-29
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. (GA)

I checked again 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 XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$6300.00}
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NY)

On XX/XX/2023, I sent {$200.00} through XXXX. 

4 days later chime incorrectly charged me a duplicate of that transaction. I went through costumer service and within 24hrs they corrected their mistake and credited me back the dumpy charge of {$200.00}.

10 days later after the first incorrect duplicate charge, chime charged my card AGAIN for the same balance of {$200.00}, I spoke with the merchant ( XXXX ) and everything was fine on their end. They Instructed me to contact my bank and and let them know it was an incorrect charge. 

Instead chime allowed my card To be- {$200.00}. And when my direct deposit hit, they paid the incorrect duplicate fee with direct deposit. Now fighting back and forth with specialist through phone and email for almost a week they have yet to refund me the incorrect charge.

I have also done a 3 way call on XX/XX/2023 around XXXX with chime and the merchant ( XXXX ) where the representative for XXXX  went through my banking and CONFIRMED the duplicate charge was incorrect. 


Coming from someone who makes {$350.00} a week. And lives paycheck to paycheck, that {$200.00} was my rent money and hurt me financially and mentally. I still have yet to receive a refund as I type this. Stay clear away from chime banking its not worth it.
Consumer complaint received 2024-05-25
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXXXXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Consumer complaint received 2024-08-05
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. (CA)

I am writing to demand your immediate attention to my unresolved dispute regarding several inaccurate and unverified items on my credit report. Despite my previous attempts to address these errors, I have not received a satisfactory response. This lack of action is unacceptable and must be corrected without further delay.
Consumer complaint received 2024-05-25
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. (MN)

i am an american national in full life not dead nor lost at sea. i am not a XXXX XXXX, NOR A MUNICIPAL CORPORATION, Nor am i a XXXX amendment CITIZEN nor am I subject to any STATUTORY STATE OF STATE LAWS i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Legal Trade Name XXXX XXXX XXXX have been accessed without my written or verbal consent. This is a copyright violation I am having issues with TRANSUNION AND XXXX deleting incorrect information. they keep saying verified and not giving the process of verification. i have also sent copies of the XXXX XXXX report which verifies my claim. I will like an immediate removal of any incorrect information that is preventing me access to my estate.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX DATED XX/XX/2024 despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Consumer complaint received 2024-05-24
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 disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the XXXX investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX  XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a Manager  in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX  XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX  REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am a victim is ID Theft. I have reached out to all 3 agencies and froze my accounts. Experian has locked me out of my membership account. This issue was sent to their Escalation Department for review and solution. I am concerned that the criminals now have access to my membership account and I can not get any answers from Experian about getting my login credentials working again. As a victim of identity theft I need to be able to access Experian because it is the largest of the three reporting agencies. All three of these companies collect very sensitive information on every American and yet they all have had hackers easily steal this sensitive data*. There has to be a better solution. But for now, all I am requesting is to have the ability to access my own personal account at Experian. 

*Experian acknowledged that their security failure persisted for over seven weeks, between XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX ( Experian sister company ) had a data breach that occurred between XXXX and XX/XX/XXXX. 

XXXX was hacked in XX/XX/XXXX and was held ransom by the hackers. 

Thank you, XXXX
Consumer complaint received 2024-05-24
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)

Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of inaccurate late payment reporting on my credit report with XXXX and XXXX. Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The account in question is as follows : Creditor : Navy Federal Credit Union Account Number : N/A My credit report with XXXX reflects the correct account standing, showing no late payments and a status of " good standing. '' However, my credit reports with XXXX and XXXX inaccurately report late payments on the same account. This discrepancy raises concerns about the accuracy and reliability of the information reported by your agencies. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of the late payment reporting on this account. Should you fail to substantiate the late payment claims or correct the inaccurate information, I insist that you promptly update my credit report to accurately reflect the account 's good standing, as reported by XXXX. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of the late payment reporting, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Consumer complaint received 2024-08-05
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. (OH)

A strange account from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) appears on my credit. I have no idea who applied for this line of credit or why it is showing on my report. this is a fraudulent account and it needs to be removed from my personal information reporting to all credit bureaus.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX, XXXX. and XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (VA)

XXXX XXXX has violated several FCRA US code 15 rules on my account.

violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments
Consumer complaint received 2023-08-28
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. (TX)

I am submitting this CFPB complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.