davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX, I submitted a dispute with Navy Federal Credit Union regarding a {$150.00} purchase made through XXXX. The third-party vendor failed to fulfill the products or services. Despite numerous attempts to contact the vendor via phone and email, I received no response. Further investigation into reviews revealed numerous complaints of fraudulent practices by the vendor. Initially, the vendor had positive reviews, but I now believe these were falsified to deceive consumers. 

XXXX 's terms state that fulfillment is the responsibility of the third party, but they also require merchants to comply with laws and regulations to ensure their offerings are not fraudulent. When I disputed the charge with NFCU, I explained that I had clicked the " redeemed '' button because the coupon code was used, not because the product or service was actually received. 

On XX/XX/XXXX, NFCU ruled in favor of XXXX. I requested a second review on XX/XX/XXXX, emphasizing that none of the promised services were delivered. I was supposed to receive a consultation, approval, an additional fee, and then the product, but none of these steps were initiated. On XX/XX/XXXX, NFCU again ruled in favor of XXXX, stating that because I had " redeemed '' the voucher, they could not reverse the transaction. They argued that because the transaction was completed through XXXX and not directly with the merchant, and because I willingly provided my debit card information, it did not constitute fraud or theft, despite no services being rendered. 

XXXX provided NFCU with their terms and conditions, stating that the merchant is responsible for delivering services and goods, and that XXXX is not responsible for ensuring delivery. While this is true, NFCU should have examined all terms and conditions, including those requiring merchants to comply with laws and regulations. Failure to fulfill services constitutes both fraud and theft under these terms. NFCU should have requested a complete set of terms and conditions from XXXX, not just the parts that aligned with XXXXXXXX XXXX interests. Had they done so, it would have been clear that the vendor was not in compliance with regulations and should be banned from listing on XXXX. This should have been a key factor in the investigation and determination of the outcome. 

NFCU has failed to protect their customers from fraudulent interactions by not considering this case as theft or fraud, even though XXXX terms and conditions would. I feel that NFCU did not conduct a thorough investigation to ensure that all terms and conditions were upheld. Instead, they relied solely on the " redeem '' stamp as evidence of a completed transaction. NFCU should review all terms and conditions in their entirety, not selectively.
Consumer complaint received 2024-05-20
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-01
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. (IN)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-07-01
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report these remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary XXXX 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 2024-05-21
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. (FL)

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.

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Unable to access online accounts. Consumer agency XXXX representative asked to send social security card to an email address.Tried to login to Transunion report and received an error message " consumer not authorized to receive service '' Error 310 that was placed on my credit report by a customer service agent. These are unheard of events and I feel that I need help to dispute these items to gain access back to my credit report. I initially placed a fraud alert on my report with a change of address to XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-20
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)

MY PERSONAL INFORMATION WAS BREACHED A FEW YEARS AGO AND REPORTED. I RECENTLY WAS NOTIFIED THAT MY INFORMATION WAS INVOLVED IN THE XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-21
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. (FL)

I pulled a copy of my credit report and noticed erroneous information that needs to be UPDATED and DELETED. Under 15 USC 1681e ( b ) and 15 USC 1681n, Please update my personal information immediately. Also, Under 15 USC 1681c-2 there is fraudulent information on my credit report that needs to be immediately DELETED as a clear result of identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed on my credit report. Please see attached Identity Theft Report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-09-13
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (TX)

I have to refile this complaint to KIA FINANCE AMERICA because they are not taking actions even how hard I tried to communicate with them about the fraudulent account on my credit document that are genuinely agreeable, demonstrated legitimate, and a result of Identity theft also this complaint includes unverified and incorrect information the account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX . My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-19
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: OneMain Finance Corporation (WY)

XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my cred8t and taken care of.. XXXX is a hard it I never did as well as Main one
Consumer complaint received 2024-05-21
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. (MD)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2024-05-20
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. (TN)

To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report
Consumer complaint received 2024-05-21
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. (TX)

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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (PA)

I contacted Upgrade , Inc. in XXXX to determine when my credit report would be updated to reflect the balance. They stated they don't have control over when the update happens. However, other accounts are not having this issue. When I contacted them to close the account, they retaliated by claiming that my credit report had changed and thus the account can not have new charges added. I was okay with this, but they still have not til this day updated my credit report to reflect a closed account and {$0.00} balance. They are also still issuing statements. So, they have not closed the account, they only suspended it and also suspended reporting as retaliatory measures toward me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I opened a Parent Plus Loan with XXXX XXXX in the amount of {$32000.00}. On XX/XX/2023, I paid the loan off in full. My account at XXXX XXXX now shows Paid in Full balance {$0.00}, but as of XX/XX/2023, my credit reports ( XXXX and TransUnion ) do not show the updated balance nor do they show closed. 

I submitted a dispute to Transunion letting them know the account balance should show {$0.00}, but they responded with this statement. " We investigated this item, verified it belongs to you, and updated : Date Updated; Last Payment Made ; Terms ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' I did not dispute the account ; I disputed the balance showing for this trade line and that the account still shows open and should show closed. They did not address my specific request.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Around XX/XX/2024, I sent three notarized letters to Experian, XXXX and XXXX to remove all old addresses. I have a right to privacy. Also, they have my name listed as XXXX, my name is spelled XXXX. 
I also sent letters to each bureau to send a free copy of my report and I never received my report from all three companies. 
I also never filled for an XXXX loan. This is identity theft. They also have an hard inquiry that I asked them to removed and they still have not. I have a low score from XXXX because they refuse to remove an old XXXX bill that XXXX stated I sent the product back and therefore do not owe any funds.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :