davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

I filed for a XXXX XXXX XXXX which was XXXX in XXXX. Ever since then Ive been red flagged in the system because in multiple denial letters Ive caused NFCU a loss The debt with NFCU was settled during the XXXX XXXX XXXX. In XXXX when I purchased a home NFCU was still reporting is and I asked them to remove it and they did. Ever since then Ive been denied because the red flag on my account means automatic denial of any loans or credit applications. My checking and savings accounts were never closed during the XXXX. Ive XXXX been denied a loan with a XXXX XXXX XXXX in XXXX. I have asked them to remove the flag off my account and they said they could not. I was given a fresh start checking account and now have XXXX checking accounts. I recently applied for a SECURED credit card and was still denied. The denial letter states once again that I caused NFCU a loss and my only source of income is public assistance. My source of income is 100 % XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) .NFCU being a military bank should not use my XXXX XXXX as a reason for denial. XXXX years later they still hold it against me even though it is not on my credit report and on the website it says they understand people have hardships and they help people rebuild their credit. There are other members that have had XXXX with NFCU included in it and after discharge were able to get loans and credit cards. Using my XXXX as part of the reason for denial is unfair and other members have been given second chances. Ive called and asked them to remove the red flag on my account and they would not. I feel discriminated because other members are given second chances and not me. And they are discriminating because I am XXXX.
Consumer complaint received 2024-05-09
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. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
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. (CA)

I was viewing my credit report and noticed hard inquiries that do not belong to me. XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Was summoned to XXXX XXXX on XX/XX/year> @ XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. XXXX requested proof of that the account belonged to me and XXXX XXXX and XXXX was unable/ unwilling to provide any proof. XXXX ruled in my favor and case was dismissed.
Consumer complaint received 2024-08-12
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (MS)

Hello I am in the process of paying off my credit card debt with XXXX XXXX and I am having a hard time reaching someone in regards to my payments that are supposed to be going through XXXX XXXX XXXX XXXX I spoke with XXXX XXXX and I have been trying to contact her for months about payments I have been making and was told she is no longer with the company.. I dont know how my payments are being processed and I am not seeing any updates on my credit profile.. XXXX XXXX does not answer the phone and I am constantly sending money for my credit card payment but I can not speak with anyone about if they payments are being received to resolve my credit card debt.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : my name is XXXX XXXX I am responding to your email it states your company this report to Office Financial of Currency I received a letter from them stating they are not going to respond to any more complaints, which is not fair to me especially when I gave them evidence but they ignored my claim. My last resort is to get a lawyer and file this complaint with the XXXX XXXX XXXX especially when my evidence is being overlooked or destroyed by the Office Financial of Currency and Experian which is a violation against according to FRCA Thank you, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one reporting late after just 5 days. No notice given. Late payment can not be verified. CFR 1029.11 states credit balances in excess over {$1.00} has to be credited in full to the account by creditor. 

Late payment reporting inaccurate on report is violation of 15 usc 1666 ( b ) Please see to it late payment is removed and balance is credited in full
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1800.00} Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC (MN)

We are filing a formal complaint against Bitcoin depot and the companys handling of a fraud complaint we filed. I believe this company is profiting from fraudulent activity and allowing their product to be easily abused by criminals. Their dispute policies are deceptive and unreasonable. Providing 5 days to complete an overly burdensome dispute process is not consistent with dispute processes required of other financial products. Had this transaction occurred using a regular ATM - she would have 60 days to dispute the transaction and be protected under Regulation E. While I fully realize bitcoin is not covered under Regulation E, I draw this comparison as a point of reference to industry best practices for consumer protections. The delta between 5 and 60 days shows a clear disregard for protecting consumers.

This company 's product is being placed in obscure locations with limited to no controls to identify potential fraud. My mother was able to conduct two transactions with multiple phone numbers while on the phone with the fraudsters at a gas station ( instructing her how to conduct the transaction and providing alternative workarounds to limits ). She is XXXX XXXX XXXX. How likely is it that a XXXX XXXX XXXX woman would enter a gas station to buy bitcoin while on the phone? I would suspect if we were to obtain footage from that gas station- we would see a number of elderly people enter that gas station while on the phone and deposit large sums of money. I would further encourage any investigation of these ATMs to look at footage of images captured from these ATMs to identify those individuals that are on the phone while conducting transactions. If images are not captured at these ATMs and reviewed by their fraud department, this is a willful blindness to the activity occurring with the companies products. 

We request that Bitcoin depot reconsider the refund of all fees associated with her transactions. We believe we appropriately reported the claim within 4 business days of the transaction. However, the company 's policies are burdensome and unclear. Furthermore, we request that any regulatory agency reviewing this complaint review Bitcoin depots policies and procedures and where appropriate require the company to enhance the oversight of their products, including enhancing the consumer protections offered for disputes.
Consumer complaint received 2024-02-01
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: JPMORGAN CHASE & CO. (MA)

Hey there! So I had been sustaining a XXXX credit score my whole life ( like 17 years, since I was a young teenager ) until XXXX  hit AND I broke up with my amazing girlfriend in XXXX. So, it was really a bummer with everything going on ( crying on the floor in a foreign country ) that my credit score plummeted during those handful of months. For my whole life I was so good with autopay AND regularly paying even more than the minimums, and just staying on top of everything. I am really looking to bring it back up to XXXX asap by asking you very kindly to remove any and all of these negative credit report marks that popped up on my credit report during this extremely hard time for me. I will be much, much more careful with my cards now, making sure to pay via autopay and never letting the payments go behind. I genuinely hope you can help me out in this situation!
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was not refunded my money back on a unauthorized transaction.after I've submitted all my proof that I could and they keep asking for more and more proof .clearly you can see that what happened that I was taken for all my money I had in my account of XXXX to me it's a lot money I don't have .just for someone to just take it from me just like that .this person impersonated to be a chime employee and got me for the little money I had left in my account .maybe it's doesn't sound like a lot of money but to me it's all I had.what upsets me the most is that money was suppose to be for my electric bill but most important for my daughter 's letterman jacket for school something she has desperately been wanting for school .it 's a shame that people do this for a living and not working hard for their money while others work their tail off .so I'm just wanting my money back or something has to be done to this person who did this.charges need to filed so they don't do this to other people .I thought thats what chime investigation suppose to do get to the bottom of this.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in terms of reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NV)

I called the hospital with susposeably bill : XXXX XXXX XXXX XXXX, and I told by the billing the department that they have no bill in my name even looking on the collection side of the account, however that works. Anyways called collection agency and they gave me hard time about this so now im filing a dispute.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-09
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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXX XXXX  XXXX  XXXX Account Numer : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-09
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. (PA)

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 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have asked all 3 credit bureaus to investigate account XXXXXXXX XXXX XXXX XXXXXXXX # XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I reviewed my Consumer Reports and noticed that I had Two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late
Consumer complaint received 2024-05-09
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. (WI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas Violated my rights . 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 the information is inaccurate.
Consumer complaint received 2024-05-09
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Consumer complaint received 2024-05-08
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. (VA)

ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND ACCOUNTS ON MY PROFILE