davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TN)

Requested XXXX either refund or replace dryer on XX/XX/1923 due to noise I assume came from when dryer dropped during delivery. Navy FCU refusing to do credit. Navy FCU sent a generic email with no explanation as to why claim was denied after sending them evidence. They've also since discarded claim info from the website. As can see XXXX 's rep is clearly trying to play games and gaslight the situation.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

I am not liable for this debt of {$440.00} with ( MIDLAND CREDIT MANAGEMEN ) Account Number : XXXX | do not have a contract with MIDLAND, nor am I responsible for the debt.They have been falsely reporting this debt on my consumer credit report since XX/XX/2023. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. I would like this removed from my credit consumer report.
Consumer complaint received 2024-01-07
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, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

I never expressed a written or verbal consensus authorizing Experian XXXX XXXX to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

I have continually had issues with my payment 's going through Ed Financial 's online system. I have repeatedly had to delete and reset my bank account info for an ACH transaction. After I reset their system accepts one or two payments and then starts sending me notices that the bank returned my payment. This happened through the entire pandemic, and is now happening again that I am in a repayment. Most recently I received the attached letter for my XXXX payment. They accepted my XXXX payment on XX/XX/ using the exact same bank info. The only solution they had for me was to call to make payments via debit card each month. Issue with that is they have long wait times and a call back can take up to 24 hours. Their system is jenky and their customer service is unhelpful. There isn't really anything the company can do to resolve this. I would have my loan paid off by now had their system functioned and accepted payments. I just want to make other consumers aware to not use them as a lending institution they will make your life cumbersome to scam you out of money.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I submitted a fraud claim to Navy Federal on XX/XX/2024 for XXXX XXXX XXXX transactions totaling to {$240.00}. They denied my dispute on XX/XX/2024. I was at a total lost on why my fraud dispute was denied, while making the fraud claim even the agent said it was something fishy going on with my account because multiple transactions were denied with the ones that went through. Also, I never send money through XXXX  with my navy federal card. There are only XXXX other XXXX XXXX transactions throughout my whole navy federal account and there are only deposits. I only use XXXX  to send money, NEVER XXXX. The agent even noticed I never use XXXX XXXX to send money. Lastly, I'm just at a lost on words, because with all those clear signs of fraud, my claim was still denied and now I'm out of rent money needed.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (AR)

Issue 1 : On or about XX/XX/XXXX, PNC Bank illegally withheld my funds that had already been allocated and paid out to an assigned payee. This action resulted in significant financial and personal hardship, causing me to incur a debt of over {$10000.00} and necessitating a relocation that cost me in excess of {$21000.00}. 

Issue 2 : On or about XX/XX/XXXX, I reported fraud committed by a merchant to PNC Bank. I called PNC to report the fraud and cancel my card. I was assured by PNC representatives that the fraudulent company would be unable to make further charges on my account. However, PNC paid the fraudsters, overdrew my account, and despite my numerous phone calls pointing out my reports and providing recordings of conversations during which I reported the fraudulent activity and was guaranteed protection, my calls were met with mockery, disrespect, and outright dismissal by PNC 's phone representatives. No corrective action was taken, and my account was closed with a negative balance Issue 3 : Throughout XXXX and XXXX, on more than three occasions, PNC Bank withheld funds from checks paid to me, in violation of Federal Reserve regulations that stipulate a bank must release the funds of a payable check within 48 hours. Some of these holds lasted more than seven days. Repeated calls to PNC 's customer service resulted in being hung up on and receiving inconsistent explanations, such as PNC 's belief that the checks were fraudulent, even after verification by the payor 's bank and even after the check had already been paid out by the issuing bank/payor. This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, pain, and suffering. 

Issue 4 : On or about XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a complaint with PNC 's " Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app. Multiple unsuccessful attempts to restore access were met with conflicting instructions from representatives, ultimately resulting in the closure of my account without any feedback. 

Impact : The actions of PNC Bank have caused me significant financial and personal hardship, including debt, relocation expenses, late fees, negative impacts on my payment history, and severe physical distress due to the inability to access necessary medical treatments. 

Actions Taken : I have repeatedly contacted PNC 's customer service regarding these issues and received no meaningful response, other than a patronizing phone call from a representative who acknowledged my complaints but offered no solutions.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

We alerted PNC Bank of unknown bank info change that we received via email. We asked to freeze account till we were able to investigate. This account was Owned by myself and joint owner as my father whom I was a XXXX  for. He was deemed XXXX  by an XXXX XXXX that we supplied to PNC. He was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His income was his VA XXXX & Social security benefits. PNC Bank allowed a 3rd party non account owner to access the account & make changes to include drain the account & close it out without our permission. Our sister has been excluded from our family for 30 yrs. She found out my dad was dying and took advantage. We only saw her 3 times in 30 yrs. PNC Bank had no right to take instruction from her & especially after we explained to them of her previous fraudulent attempts. My joint account and my personal account unrelated to this one was frozen. The Joint account was closed by her without our permission in spite of major RED Flags & warnings all over the account by myself & THEIR FRAUD Dept. My dads income was ached in each month with no where to go. We were advised to get Guardianship in addition to our POA. We were awarded Guardianship. My Dad passed away 3 weeks after doing so. We had been put through HELL for 6 months of our lives from PNC 's Negligence while my dad was XXXX XXXX in an unnecessary court hearing XXXX miles away each time on 5 occasions. Yes, we won. However it cost our family approx {$22000.00} in court fees, plane fares, hotels for myself, wife, Mother ( his Spouse ), Brother & his wife. We all lost vacation time at work and had to defend ourselves from a very bad person who was found to be fraudulent as suspected that PNC took instructions from. We have time stamped documentation from PNC 's own data entry to show their coverup & negligence. We also have court awarded and Judge stating very clearly that our sister tried to capitalize on our dads illness for financial gain. PNC Needs to be accountable! We would also like for them to prosecute her for the crime that she committed which destroyed our family when our dad was XXXX. My dad had nothing to do with our sister and her antics. Our whole family would attest to. Please Advise! 
XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXXXXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently obtained a copy of my credit report and noticed a series of late payments being reported. I immediately contacted XXXX and Experian because the late payments being reported are inaccurate. The late payments showing on my account from XXXX and XXXX were covered during the pandemic and covered by the CARES ACT. I contacted creditors directly when affected with my hardship to setup an accommodation to ensure my credit would not be affected. Both accounts have been paid as agreed and closed. I was assured that my account status would remain " current '' during this period. 
Furnishing the late payments to my profile is in direct violation of FCRA law 15 USC 1681 s-2 ( f ). I'm assuming this is billing error, but this also further violates my consumer law specifically 15 USC 1666B. I have requested verification from XXXX and Experian with no response. These late payments showing from XXXX ( XX/XX/XXXX ) and XXXXXXXX XXXX XXXX XXXX ) are inaccurate.
Consumer complaint received 2024-01-05
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. (CA)

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted EXPERIAN, XXXX AND XXXX and made filed a fraud alert with each of these credit reporting companies.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-05
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-06-18
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-01-05
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. (NC)

i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
Experian reporting agency Companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I hold both a XXXX Visa and an XXXX XXXX card with the bank. On XX/XX/2024, I deposited a {$45000.00} check from the U.S. Treasury into my checking account. The bank held the funds for approximately 10 days. Upon confirmation from the bank that the deposit had cleared, on XX/XX/XXXX, I made two online credit card payments : {$3100.00} to XXXX XXXX and {$14000.00} to the XXXX Visa, effectively paying off both cards. However, on the same day, the bank erroneously processed two additional payments totaling {$17000.00} to the same two cards without authorization. Concurrently, all other outstanding transactions on my checking account were being returned, resulting in a negative balance. 

On XX/XX/XXXX, I promptly contacted the bank to address the unauthorized duplicate payments and requested that the excess amounts be returned to my checking account. Despite numerous attempts over the following 27 days, the process of rectifying this error has been fraught with challenges. The bank has continuously refused to return the excess payments of {$17000.00}, citing ongoing investigations for which they have provided no transparent explanation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( XXXX ) to removed the bankruptcy off my credit report & they have not
Consumer complaint received 2024-01-05
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. (LA)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-06
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. (SC)

There were several accounts open 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 and XXXX XXXX
Consumer complaint received 2024-01-05
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. (IN)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-07
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. (NY)

I am writing to delete the following information from my file : the items I selected are listed in the report I am a big team to identify theft and I did not make the charge. I reported the theft of my identification to the XXXX XXXX XXXX and I also have enclosed copies of the federal tray, commission identification, theft and affidavit. Please delete this item as soon as possible.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-14
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. (FL)

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since 2013 and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, XXXX changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be XXXX that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called conns to have them pick up the thing because they were harassing me calling up to XXXX times a day. When I called XXXX to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. XXXX I guess their name should of told me! XXXX totally disappointed