davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

Around XX/XX/2023 I purchased a laptop from XXXX using my navy federal debit card. 
during the purchase of this laptop, I was harassed and stalked by XXXX police department. I wrote XXXX about their discrimination and still have received no response. XX/XX/2023 the laptop commenced a loud noise and caught fire. 

due to the discrimination and fear for my life I was frightened to return to the store. 

I disputed the charge. Navy federal refunded the money back with a pending investigation note attached. 

Sometime later I noticed my account negative. I called and wrote NaFed telling them I was not notified nor questioned during the investigation nor given a heads up about the dispute. 

my employment check was taken, my account closed and my credit card ruined. I was evicted and my credit is reporting as bad. 

breach the covenant of good faith and fair dealings, fraud, misrepresentations, conversion, breach of contract, abuse if authority and bad, abusive and unfair business practices and acts. 

their actions violate consumer right to fairness, to be heard and redress of grievances.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I had to file a XXXX  XXXX Bankruptcy in XXXX  because of the XXXX emergency and lockdown. It appears that is now a crime or sin. I included all my debts including Pay Pal Credit. All of these were due to involuntary unemployment. But PayPal Credit is reporting this debt as " not paid as agreed. '' I was always taught that debts closed in Bankruptcy were closed and could no longer be held against the debtor. When did this change? My understanding is Synchrony bank in in contempt of court in this matter.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (TX)

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 2024-05-08
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. (IL)

I am submitting this complaint after noticing unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Consumer complaint received 2024-07-29
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-08
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. (TX)

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. As a result, I am reaching out once again to request your immediate attention to rectify this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take urgent action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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 XXXX well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (GA)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX XXXXT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a XXXX XXXX XXXX have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have recently tried contacting Experian to correct severe errors in reporting. I sent them a letter on XX/XX/XXXX and they sent me an email to me on XX/XX/XXXX with a very generic and computer generated response stating that the dispute " does not appear to have been sent directly by me or to authorized by me. I replied to them on XX/XX/XXXX re-confirming my identity as well as requesting a re-investigation of my existing dispute request that has not yet been resolved. 

This is now my fourth attempt at correcting the inaccuracies on my credit report that are causing damage to my credit profile and impeding me from being able to get new credit which is also affecting my personal life. 

Experian is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and I am practicing my rights as a consumer via the Fair Credit Reporting Act that states that all information reported on my credit report must be 100 % accurate otherwise it needs to be removed.
Consumer complaint received 2024-07-30
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. (MD)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific Issue of Obtaining, My weekly Free Annual Credit report. For when I log in to annualcreditreport.com, I am not able to access my Experian credit report. This issue has been going on for the past two months. I have contacted your company Via phone and even tried escuating matters up to your special Services department. I have been successful in receiving feeback from this issue on your end. I feel like my consumer rights are being violated on the fact that XXXX cant even obtain my free Credit Report Nor log in to my account.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On Friday XXXX the XXXX I attempted to file dispute on file for incorrect personal information on my Experian account. I attempted to dispute the Adresses on my report but the pagewould not load even after refreshing the page and logging in on another device. I also attempted to dispute medical information reported on my account and was unable to complete that as well.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2024-05-08
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. (NY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the Experian shall block 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.

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (DC)

I attended a timeshare presentation with XXXX XXXX on XX/XX/2023. I ended up purchasing the timeshare but declined their offer for credit on 2 occasions - once during the initial pitch and again while signing the contract. On XX/XX/2023 I received a letter dated XX/XX/2023 from Comenity Capital Bank stating a credit account account has been opened in my name. I contact both XXXX XXXX and Comenity Bank regarding the fraudulent opening of this credit account in my name.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

The bank changed the configuration of the account, resulting that I was unable to process online payments to de overdraft account. The bank without any advice closed my account during crisis times on pandemic of COVID-19. They are a bad credit union.
Consumer complaint received 2024-07-24
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

I never signed a contract with global radius solutions. I settled a debt with XXXX XXXX and was told the account would be removed from my credit report. It has not been removed. Then they sent me a check for XXXX for an adjustment. This is a outrage and if this matter is not resolved, I will seem legal counsel.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Your Name Address City, State Zip XX/XX/year> RE : Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing to you to update my personal information. 
XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one attached. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2023-04-26
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: Bread Financial Holdings, Inc. (GA)

A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PR)

On XX/XX/XXXX I applied for an Amex Delta skymiles credit card the application was denied and when I see the reason, they used last month credit scores. Their systems says they retrieve all the data on the 18s of  each month. Keeping in mind its the 24 I applied because I paid out a debt and my score went significantly up. I then decide to apply for this card 6 days after they get the information to my disappointment they still used last month credit info. I contacted them and talk to XXXX at AMEX and I explained the situation later he says they don't offer credit improvement service. I felt offended and ask to file a claim/complaint, XXXX refused to do so. Then I decided to file this complaint because that is unacceptable behavior, from insulting me to not accepting my claim