davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.
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)

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-04-21
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: NAVY FEDERAL CREDIT UNION (PA)

Re : Navy Federal Credit Union inquiry. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And it has been well, established any company reporting to the credit bureau is considered a consumer reporting agencies to which this company had 4days to Delete this inaccurate information and they did not. Its been well over four days and this information is still on my credit report to XXXX which is a clear violation. This company has been previously provided with an identity theft report along with photo ID and proof of address. This is the third attempt to address this plight.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (LA)

I am XXXX XXXX military and did not receive my XXXX benefit of my car loan and was at a 16.04 %. Under the state of Louisiana. Navy Federal did not give me the opportunity of the benefit of XXXX.
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/XXXX I went to a concert, they scanned my ticket let us in. And as we got in they canceled the show. XXXX was not coming! 

I emailed them XX/XX/XXXX. No reply until XX/XX/XXXX. I was unable to attend the new date they set. 

Their refund policy states I am due a refund if the show is canceled. 

XXXX  on behalf of XXXX  XXXX. 
I've disputed this XXXX provides proof multiple times to capitol one. They refuse to give me my money back. Please help! 


Seetickets submitted files stating their refund policy, ( if a show is canceled or the date is changed a refund is permitted ). 

I also attached the email from XXXX  XXXX stating the venue date was changed due to cancellation.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

Mobile Deposit were deposited on XX/XX/XXXX. I was told it should only take a day or two. I called in and was told by a representative that it was accepted and it would be approved today. I also asked if they could release {$200.00} dollars in funds and the rep told me he would escalate it over and someone would reach out. I called in again and was told the other representative lied to me. After being on the phone for a hour and a half and speaking with 4 people the supervisor told me I had to wait until XX/XX/XXXX for the funds to be deposited. Because I dont even have a dollar to my name I asked for them to cancel the mobile deposit so I could go cash the check and they told me no. So even though they wont release funds they want stop the mobile deposit. I dont know what Im gon na do for the next week and I need help.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Despite consistently timely payments being made, the balance is consistently being reported incorrectly, with a delay of over a month. 

As responsible and diligent customers, we pay credit card bills on time and never late with payments. However, the inaccurate reporting of the account balance has a negative impact on our XXXX XXXX and overall financial reputation in real time for more XXXX days. In that space of time, it makes the difference in the XXXX XXXX you have and as a result the interest rate youre paying. This discrepancy is causing me great concern and frustration, as it does not accurately and currently reflect my financial standing. However, when you do not pay the negative reporting appears on the XXXX day! 

I kindly request that both Navy Federal Credit Union and XXXX investigate this matter thoroughly and rectify the reporting error as soon as possible. It is crucial for the accurate reporting of my credit card balance to be reflected on my credit history, as it directly affects my ability to access loans and other financial opportunities. 

I understand that errors can occur, but the consistent reporting of my credit card balance as more than a month behind is highly concerning. I trust that both organizations value their customers and take their concerns seriously. Therefore, I kindly request your immediate attention to resolve this matter and ensure the accurate reporting of my credit card balance moving forward. 

Please provide me with a written confirmation once the issue has been resolved. Additionally, I would appreciate any information regarding steps taken to prevent such reporting errors from occurring in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and maintaining a positive relationship with both Navy Federal Credit Union and XXXX.
Consumer complaint received 2024-08-16
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. (NY)

Recently, i did an investigation on my credit report and i found this auto loan with a bank in XXXX XXXX i don't live in XXXX XXXX. 

XXXX XXXX  - Account # XXXX
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
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)

I am not liable for this debt with XXXX Bank for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, 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. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-21
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: Chime Financial Inc (VA)

I feel like Chime financial providing service with XXXX e-commerce company. They are just scamming people out of money. 
I ordered expensive clothes for myself with express delivery, but there was no express delivery. And they sent me just an empty box for $ XXXX. In general, XXXX quickly confirmed that the box was empty. But the company does not accept this. Plus XXXX charge from Chime and XXXX XXXX for the same order. So it is like XXXX . Is it a new scam? 
People do not buy from XXXX, go to XXXX XXXX XXXX and do shopping in person. 
I don't know what to do now.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

I have repeatedly reported this company for not abiding by 15 USC 6802. They did not provide me the proper disclosures when opening the account. I do not have a contract with them nor have I given them permission to report anything on my consumer report!
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. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Some added XXXX to my XXXX  account ( which I'm verified ) and withdrew the money off in 3 mins to a XXXX XXXX XXXX ending in XXXX I alerted them as soon as I seen it and XXXX said it wasn't nothing they can do they couldn't give information contacted the bank and ask why the didn't do the verification like they always do when i make a big purchase!!! Basically they saying I can't get my money back and I suppose to b 100. Percent fraud protected
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. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

I was charged XXXX dollars on XX/XX/24 for a payment to a XXXX XXXX. I do not know a XXXX XXXX. Navy federal disputed it and XXXX said I owed the money and provided me no proof. I requested it from navy federal and got the run around. No response. XXXX and navy federal refuse to do anything. Transaction ID XXXX
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I'be been with Navy Federal since 2015. There was a credit card balance that is over 7 yrs. and the credit bureaus stated to me that this collection or revolving account is now closed. But everytime i put some money in the account they garnish it. Can you help me please!
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/2024 Synchrony Bank has continuously harassed my credit score and limits and closing multiple accounts based on nothing I have never missed a payment or paid more than minimum payment They have stocked all my accounts wity them and sabotaging my credit even though as the debtor I have held my end of the payment agreements why they keep unjustly attacking me and so many others they dont really say so by doing what there doing it looks like am maxing my credit and closing not paying them which it does say there are satisfied this is extremely unethical unjust predatory practice hurting me for actually holding up to the agreement they need to be investigated!!! To many customers they are unjust XXXX