davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

Re : Complaint against Navy Federal Credit Union - Unauthorized Transactions and Lack of Notification I am writing to file a formal complaint against Navy Federal Credit Union regarding a severe breach of security that has had a detrimental impact on my financial well-being. On XX/XX/2023, my XXXX  account was compromised, resulting in over XXXX  in unauthorized transactions. Despite my immediate efforts to rectify the situation, the XXXX XXXX adjusted and reversed the funds without providing any explanation, even after I filed an appeal. 

My primary concern is the lack of notifications from Navy Federal Credit Union during the period when the hackers were making multiple charges to my account. I rely on timely alerts to promptly address any suspicious activities. Regrettably, no notifications were received, allowing the unauthorized transactions to escalate and causing significant financial distress, especially during the holiday season. 

I have taken all necessary measures to secure my accounts by changing bank card information, changing passwords to accounts and have promptly filed an appeal with Navy Federal Credit Union. However, their decision to reverse the monies back to the hackers remains unexplained, exacerbating the challenges I am facing. 

I request your intervention in investigating this matter thoroughly and ensuring that Navy Federal Credit Union provides a clear and justifiable explanation for their actions. The lack of transparency and the financial burden imposed on my family during a time of celebration are deeply distressing, and I believe it is crucial to address these issues promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify the situation.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (CA)

I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, MOHELA/DEPT OF ED that has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account. 

MOHELA/DEPT OF ED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MOHELA/DEPT OF ED customer service representative XXXX 

Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within MOHELA/DEPT OF ED, my account status was inaccurately reported, suggesting that it was not open or that payments were late. 

After addressing this matter with MOHELA/DEPT OF ED, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. 

Enclosed with this letter, you will find supporting documentation from MOHELA/DEPT OF ED, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. 

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me. 

Thank you for your understanding and assistance in resolving this matter.
Consumer complaint received 2024-05-07
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I show on my credit report two derogatory accounts from LVNV Funding LLC. I have no knowledge of this company and never signed a contract with them they seem to be a third party debt collector. But I never received information that my debt was being sold. Dates listed are not correct because I don't have account with this company.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc. (TX)

in XX/XX/2023, south west recovery issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX 
I tried to get mor information such a detailed report with no success. 
I field, 2 complains with XXXX, submitting a court documents issuing a judgment in my favor against the XXXX XXXX XXXX, unfortunately the report has not changed. 
I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. 
now my credit report is messed up, which I worked hard to maintain it as good as possible. 
I am a victim of a crime, retaliation and fraudulent report.
Consumer complaint received 2024-05-07
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. (TX)

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that the information is inaccurate.

Delete All Inaccurate Accounts
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I WOULD LIKE TO MAKE A CREDIT INQUIRY, DISPUTE, AND COMPLIANT AGAINST NAVY FEDERAL CREDIT
UNION.THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX  , AND e
GRUDGE HOLDING XXXX OF THE HIGHEST ORDER. I WILL NEVER LET THIS GO UNTIL THE END OF TIME. I
WILL NEVER FORGIVE THEM IN MY HUMAN ADULT LIFETIME FOR THIS XXXX  ACT. UNTIL THIS IS OFF MY
CREDIT REPORT ASAP. I HAVE A SPOTLESS CREDIT FILE. THIS MAKES NO SENSE. THIS XXXX  AND XXXX
COMPANY FULL OF XXXX XXXX  WHO XXXX XXXX PEOPLE AT ALL COST AND SUPPORT XXXX XXXX  WITH XXXX DECEIT AND CRIMINAL ACTIVITY. I HAVE A 20 YEAR 100% XXXX XXXX XXXX XXXX AND HAVE A SILVER STAR AND NUMEROUS OTHER AWARDS , I DO NOT OWE THEM
ANYTHING. IM ASKED THEM REPEATED TO SHOW ME THE PRINCIPAL AMOUNT OWED TO NO AVAIL.
THE ALLEGED AMOUNT I OWE IS NOTHING BUT XXXX  ILLEGAL FEES INTEREST AND COMPLETELY FALSE
MADE UP CHARGES OUT OF THIN AIR. THE SOLDIERS AND SAILERS ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIES THIS WAS A SECURED CREDIT CARD. I OWE THEM NOTHING. I WILL SUE FOR
DAMAGES FOR XXXX  AND XXXX  DISCRIMINATION, .AS WELL AS THE AMERICAN WITH DISABILITY ACT.
STOP THE MADNESS. PLEASE FULLY INVESTIGATE THIS WITH ABSOLUTE PROOF.
NAVY FEDERAL CREDIT UNION
XXXX SECURED CREDIT CARD
OPENEDXX/XX/XXXX
CLOSED
CHARGE OFF
CREDIT LIMIT XXXX  PAST DUE XXXX
REVOLVING
INDIVIDUAL
SECURED CREDIT CARD
Consumer complaint received 2024-01-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

My complaint is based on an incorrect balance due to the management company that has been reported to the credit bureau while I was working with the company to rectify the issue. My lease ended XX/XX/XXXX and had a verbal agreement to stay until the end of the month. I moved out at the end of the month as discussed and when the final bill was received it was incorrect. It took awhile to get in contact the property manager but once contacted they sent me an email with the correct amount owed but neglected to acknowledge my security deposit from when I first moved in. Considering the property has changed management and property managers serval times within this time it has caused a break down in communication but also affected my credit account.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

My wallet was lost while out eating with my family or at work someone got my wallet and withdrew the funds fraudulently without my knowledge out of my account right before my rent and XXXX they stole all of my money from my account that I was depositing fraud was committed on my account I then disputes these fraudulent charges With my bank and was denied for no apparent reason I conduct my life on being honest and will never rob steal or cheat anyone my funds was stolen and my claim was denied behind someone wording my claim wrong till this day I haven't received my funds I never in my life been dishonest and the way this bank I trust and deal with to handle all my future funds denied my rightful claim made me look at everything different it's a zero fraud liability I read up on this bank since bring denied i would more than anything for this person to be caught because what navy federal put me and my child through behind this on top of this person to about to lose everything i work hard for please help me i am being evicted on tuesday over a XXXX and transaction and a XXXX dollar transaction that was not me i really need help immediately
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. And it was removed and placed back on my account for the second time
Consumer complaint received 2024-05-07
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. (TX)

Absolutely, here 's the modified version with the additional details : In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are bound by these standards. As a consumer, I affirm my right to safeguard my private information, as underscored by 15 USC 6801, which underscores financial institutions ' obligation to respect customer privacy.

As stipulated by 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit, written consent from the affected consumer. Neither the financial institution nor XXXX and XXXX have procured my consent to share this information, thereby nullifying any implicit or assumed consent. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a prerequisite not met in this instance.

Additionally, 15 USC 1681C ( a ) ( 5 ) unequivocally prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX XXXX XXXX is being reported without my consent, which constitutes a violation of the law. It's imperative to note that the debt associated with this account has already been discharged.

Furthermore, in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obliged to uphold accurate information and implement reasonable procedures to prevent violations, responsibilities they are currently neglecting. 

Considering the aforementioned violations and discrepancies, and in accordance with 12 CFR 1016.7, I hereby assert my right to opt out of your reporting services.
Consumer complaint received 2024-05-07
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. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute and request the removal of late dates and negative status associated with the following accounts on my credit report. XXXX and XXXX have already acknowledged and corrected this error, and I am perplexed as to why your bureau has not done the same. I recently communicated with the respective banks/creditors regarding these accounts, and they have acknowledged their error in reporting late dates and negative status. Moreover, as a goodwill gesture, they have agreed to my request for removal. XXXX and XXXX promptly updated their records in compliance with the Fair Credit Reporting Act ( FCRA ). I am frustrated and confused as to why your bureau has not followed suit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$510.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-09-21
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. (GA)

XXXX XXXX XXXX XXXX In XXXX with the fair credit act XXXX account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (TX)

I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. This is innacurate information and needs to be removed from reporting. This is violation of the FCRA rights and are all reporting different things on my reports. I have attached screen shots of the innacuracies on all 3 credit reporting beaurus a long with proof my data was sold illegally
Consumer complaint received 2024-01-03
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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. (NY)

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.