davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 have requested the immediate removal of XXXX inquiries from my Experian Credit Report on several different occassions from their XXXX  DEPARTMENT who gave me numerous false issues stating that its their policy not to remove before within a XXXX year time period! I explained multiple times that I NEVER AUTHORIZED the PULLING of my credit report from any of the XXXX companies!
Consumer complaint received 2023-09-25
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX  XXXX and Account number # XXXX XXXX XXXX have 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 a account without my written instructions.
Consumer complaint received 2023-12-28
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. (CT)

XXXX XXXX Equifax XXXX XXXX & other reporting Agencies that XXXX for them report my name as XXXX XXXX XXXX XXXX / XXXX XXXX but it should only be reported as XXXX XXXX XXXX and I have never been given authorization to use these spellings or information in anyway.. 

XXXX XXXX on XX/XX/XXXX Hard Inquiry Address XXXX XXXX  XXXX / NOT AUTHORIZED XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX hard inquiry on XXXX, XXXX XXXX was NOT AUTHORIZED ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX NOT AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, CA XXXX {$550.00} XXXX XXXX Type/ Derogatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed Also XXXX, Equifax, XXXX all report addresses & employment info such as the following informations were never authorized for usage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Which they WERE never given AUTHORIZATION to use
Consumer complaint received 2023-10-02
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. (NY)

PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

I am unable to get my calendar year XXXX combined account tax statement from Navy Federal Credit Union as Navy Federal Credit Union refuses to securely post a copy of my calendar year XXXX combined account tax statement online, securely email me a copy it, fax me a copy of it, mail me a copy of it with a tracking number, or allow me to pick up a copy of it at a local branch. See attached documentation and below for previously submitted complaint IDs about a similar issue in XXXX. 

XXXX XXXX Once reviewed please advise what assistance you can provide.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Yes I have XXXX diffrent bankruptcys reporting on my credit report that does not belong to me, I have contacted the courts and they verified that its not me and they dont verify information such as those records to the credit bureau , which I have been a victim of identity theft and they get there records from XXXX XXXX XXXX XXXX which is inaccurate and I will like it to be removed from my credit reports
Consumer complaint received 2023-09-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

My name is XXXX XXXX. My account number with Comenity/Childrens Place ends in XXXX. I am filing a complaint against Comenity/ The Childrens Place credit card company for unfair lending and credit practices. I had not realized I was primarily paying Late fees, interest charges, and insurance on this account. I am in the process of getting the fraudulent Account Assure that was placed on my account without my approval credited back. On, Friday, XX/XX/2023, I talked with a supervisor named XXXX. She stated that she was a supervisor of the Sr. Account Specialists. I explained how it is unfair that I have been paying nothing but, Late fees, interest, and insurance charges. I asked if there was a way they could refund some of these fees and she said no. I am contacting the Consumer Financial Protection Bureau in hopes that Comenity will help rectify this serious injustice. I think it is only fair that they credit these fees to clear my account to a XXXX balance. I have attached a copy of the transaction supporting my statements. Thanks in advance for your help!
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (VA)

I have an account with Robhinhood. I have requested to withdraw my money ( {$18000.00} ) and It was denied. They placed a restriction on my account and have asked me to provide documents such as ID, selfie, and bank statements. I have provided all the following and they still refuse to lift the restriction of my account. It has been XXXX days and I just want to be able to access my money.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

On XX/XX/year> I received a final account statement from Tradition at XXXX XXXX in the amount of {$86.00} and immediately paid the final amount due. I then received notification from a XXXX XXXX XXXX XXXX that I owed {$1200.00} for damages. I have requested invoices for the work completed after my move out and have not received any proof of these amounts that I am being charged. When I vacated this apartment it was fully renovated. These renovations included removal of a wall in the kitchen, a full XXXX change, all new flooring, new kitchen and bath countertops, all new appliances, all new cabinets in the kitchen and bathrooms. During my residency at this location, I was also the community XXXX. All units are being renovated as tenants move out. My unit 's renovations began immediately after I moved out so the work that was completed was completed by XXXX XXXX which was the renovations team. These renovations did not occur because of damages. 

I have proof of my final account statement and my receipt of payment. I am very confused how I received another final statement after paying my balance in full and why I still have not received any invoices that they are now charging me for. My account has been transferred to XXXX XXXX XXXX and they also have not provided me with any information that I have requested.
Consumer complaint received 2024-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION (NC)

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of State Employees Credit Union compliance. Provide me with the SECU compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

It i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this accounts was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

About two weeks ago my loans were forgiven, which I am eternally grateful. I have been in repayment for over XXXX decades, however, the date of forgiveness indicates that it was XX/XX/year>. This is clearly an error, but when I called Mohela yesterday, the rep didn't seem to understand the issue and kept pointing to the wrong date. She then talked to a supervisor, and together they refused to acknowledge the dates prior to consolidation, even after I pointed it out to them that the law clearly indicates that forgiveness encompasses all months in repayment, including months prior to consolidation. They claimed Student Aid is responsible for setting the date of forgiveness and directed me to them. I immediately called SA, but their phone system goes through a loop and drops the call. Changing the forgiveness date helps avoid issuing a refund for years worth of overpayments. This needs to be corrected. On XXXX of my closed XXXX loans ( prior to being transferred to Mohela ), it indicated the term was for 405 months or XXXX years. This is the only count I've seen on any of my student loans with any company or organization, even after asking both Mohela and DE. I know other people could see how many months they were in repayment, but I never could, except on my closed XXXX accounts, which I am basing my count on. 

https : //studentaid.gov/XXXX  See this section : ***any time in repayment ( or deferment or forbearance, if applicable ) on earlier loans before consolidation of those loans into a consolidation loan. ***
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Collection Dept. at XXXX XXXX does not answer after sending last XXXX of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left XXXX messages with XXXX with call back information that for XXXX weeks. ( Nothing )
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (GA)

I had a bank account with XXXX, a mobile online bank that was affiliated and funded by their parent bank, PNC Bank. All of my accounts had PNC Bank listed as the bank when I made transfers and deposits. 

In XX/XX/XXXX, I received an email from the bank ( XXXX ) indicating that the bank account would be closed. They gave a support email and phone numbers. They indicated that I would still be able to access information online for tax purposes and disputes. I attempted to do this but was not able to access the information. I called all of the support numbers and they gave me the same number to contact that I reached them on and the email address previously sent. I also tried emailing the company and the email does not work. The mobile app also did not work. I received an email in XXXX saying a final account disclosure would be sent to me but this was never done. 

After filing my taxes, I realized that there was an inconsistency with my employer and the deposit records. In order to fix this with the employer, so I would not overpay taxes, I need to present my bank statements from XXXX. The XXXX email also indicated that PNC Bank ( the parent bank ) after XX/XX/XXXX for future assistance. I attempted to contact PNC Bank on XX/XX/XXXX, since I could not reach XXXX and was told that I needed to visit a local PNC branch who would be able to access this information for me. I went to PNC Bank locally in XX/XX/XXXX and they informed me that they did not know how to access the account. I elevated this to customer service via the clerk and they also could not assist me with receiving this information and would not elevate this to higher personnel. 

I am concerned as since this account was FDIC insured and required by law to have statements on file for several years, there should be a way to access this account. And if not, PNC should be fined for not following federal law for accounts to which they assist in holding funds. I am seeking assistance in getting my banking history.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer XXXX report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
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: ID Analytics, 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. Account name-XXXX XXXX XXXX Account name-XXXX XXXX XXXXXXXX Account nameXXXX XXXX XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account name-XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2017-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (WI)

In applying for a home loan it was discovered I have a public record, from 2010, for XXXX XXXX which is no longer in business. I did confirm with the courts that this appears to be a collection from Providian National Bank which is no longer in business. The courts have no documentation/affidavit that I was ever served with this judgment. There is a garnishment on file with a company ( XXXX ) that I have never worked for. I do n't have any documentation or validity of this debt. No one can seem to provide me with any information or documentation that this debt belongs to me. This judgment is also listed in my nickname, not my legal name. I would like this judgment removed from my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NV)

Westlake Financial Services is reporting the balance on my account incorrectly. This account is paid in full and closed. I would like them to up date to my current and correct information as soon as possible. This account has a XXXX balance and is being reported incorrectly, which is adversely affecting my credit score.