davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (FL)

When my NFCU master credit card renewed, I updated on XXXX. It's been nothing but he'll. In the beginning the card wouldn't work anywhere. No it's just XXXX. XXXX sees all the deleting and reentering card in. XXXXXXXX XXXX XXXX says going through correctly. 
Call NFCU and they demand worse than mules stuck in mudd that the transaction is coming through with wrong expiration date. It took until this week to get supervisor who finally called me today. I'd asked before for someone above any escalation desk and refused. I talked to supervisor today and after pushing, demanding she begrudgingly agreed to get an analyst involved. She refused anyone above her, which is malarkey. She doesn't know what she doesn't know and truly didn't understand the glitch I was suggesting. She just kept repeating her screen. The bank should be far more proactive and not keep giving me the run around. XXXX has notes in system stating credit services sees transaction going through properly. Perhaps the bank could get tech support involved. An analyst won't help. I noted this. 
Basically the bank refuses to budge or truly help. The amount of calls and wasted hours is astonishing and I want compensation for my time as my time is valuable too, not to mention the embarrassment at 2 grocery stores when card didn't work to no fault of my own.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IL)

Card was sent to an old address by Best Buy. Have informed both the creditor and the debt collection agency that the debt was not mine. Sent reports to each informing them of identity theft and asked for the ORIGINAL PAPER APPLICATION. All they keep sending me are copies of the bills. I have shown proof that I was in another state and they still insist that the debt is mine without any proof. I have been denying this account for several years and they refuse to produce/show me the ORIGINAL PAPER APPLICATION. And according to Illinois law they have to validate the debt with an ACTUAL PAPER APPLICATION. This account is now charged off and is in a negative standing on my credit report.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2018-10-27
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: EQUIFAX, INC. (FL)

At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX Subject : Demand for Deletion of Inaccurate Account Information Pursuant to FCRA To Whom It May Concern, I am submitting a complaint following the response from Experian dated XX/XX/XXXX, concerning my dispute filed on XX/XX/XXXX, regarding the continued inaccurate reporting of my account information associated with account number XXXX by XXXX XXXX XXXX. Despite my multiple disputes and attempts to rectify this information, including the most recent dispute, the necessary modifications have not been made, leading me to invoke the deletion clause of the Fair Credit Reporting Act ( FCRA ). 

The specific issues that necessitate the enforcement of the FCRA deletion clause are as follows : 1. Servicing Transfer Date vs. Credit Report Updates : The servicing of my account ( XXXX ) was transferred to XXXX XXXX XXXX on XX/XX/XXXX, according to XXXX XXXX XXXX XXXX documentation. However, my Experian credit report erroneously shows updates from XXXX XXXX XXXX post-transfer date, which should not occur after the sale of the account. 

2. Charge-off Date and Amount Inconsistency : XXXX XXXX  XXXX XXXX letter specifies a charge-off date of XX/XX/XXXX, with a balance of {$3900.00} for the account XXXX. This does not align with the charge-off information presented on my Experian credit report. 

3. Post-Transfer Payment History Accuracy : Any payment history reported by XXXX XXXX XXXX after the sale date of XX/XX/XXXX, for the account XXXX is in dispute, as it should not be reported by the original creditor after the transfer of servicing rights. 

In accordance with Section 611 ( 5 ) ( A ) of the FCRA, I am requesting the prompt deletion of this account from my credit report. This section of the FCRA requires that any information found to be inaccurate or unverifiable after a dispute must be removed by the credit reporting agencies. 

The presence of these errors has caused significant harm to my credit rating and could impact my financial prospects. Therefore, I seek the CFPB 's assistance in ensuring the removal of this inaccurate information. 

I expect an investigation to be initiated promptly and to be provided with a resolution within the 30-day response period mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Correspondence from XXXX XXXX XXXX regarding account XXXX - Highlighted sections of my Experian Credit Report showing the inaccuracies
Consumer complaint received 2023-11-24
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. (NC)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXX ), ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thank You.
Consumer complaint received 2018-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

Open XX/XX/XXXX I had a installment loan that I couldnt afford anymore because my personal debt of income ratio started to get high and l was out of work for a while so the loan was default on and car repossessed XX/XX/XXXX with a balance of {$0.00} because the account was sold to another company.and it is still being reported on all 3 credit bureaus as negative. action taken I sent out letters through 3rd parties but nothing has not been resolved.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-11-24
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)

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: 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. (MA)

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} Experian {$13000.00} XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation XXXX XXXX date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Consumer complaint received 2023-11-24
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. (FL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XXXX XXXX, XXXX Report Number : XXXX I filed a dispute with XXXX about a U verse account {$1800.00} that was not opened by me, nor did i give anyone permission to use my information for opening an account in my name. I called XXXX to make them aware of the account thats now reporting on my credit report. And was told to contact the collection agency that has the account. I called the number listed on my credit file for the company and the number was disconnected. I sent experian a letter asking them to verify the account, and ask them to send me a copy of the information or contract that this account belongs to me, and was denied that information. I also, sent them information about the 14 USC 1681e ( b ) ; 1681i- ( 2 ) ; 1681i- ( 7 ) ; and 1681i- ( 6 ). and the results came back within 24 hours as verified. Please have this account removed immediately, as im in the process of purchasing a Home.
Consumer complaint received 2023-11-24
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Consumer complaint received 2018-10-27
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Starting in XX/XX/2018 I have received a reoccurring charge from XXXX on my USAA credit card. I have tried every month to dispute the charge and ask to not allow the charge to continue. To this date I am still being charged. I cancelled the first card received a new card and USAA has continued to allow the disputed charge. No matter how many letters I send I can not get USAA to cancel the monthly charge. This has gone on for 7 months with no positive outcome. I have been charged XXXX monthly for a XXXX account I do not have.
Consumer complaint received 2023-02-27
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: EQUIFAX, 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}-
Consumer complaint received 2023-11-24
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. (PA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

On XX/XX/18 and one time before that I requested from Discover how they recalculate variable rate loans. Instead of just increasing the payment amount, they extended the loan term. This only benefits the lender not the borrower unless the borrower requests a lower payment. I have once again requested from Discover, my original loan documents to see what the agreement for recalculating variable rate loans was that I signed and also how they recalculate loan payments.
Consumer complaint received 2018-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

In XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Navient, to consolidate my loans and apply for the income based repayment plan ( IBR ). I then spent the next 10 years working with XXXX XXXX XXXX as a XXXX XXXX XXXX   for various companies. 

In XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Navient. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by Navient that everything was in order, that I met all the requirements and I restarted the clock. 

In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been disceived by Navient. 

I then called Navient to inquire as to how this happened as I was laboring under the belief that I had everything in order. Navient confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The Navient representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by Navient. 

I have been mislead, misdirected, manipulated, and flat out lied to by Navient for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I file a police report stating the incident and was inform i have to make a complaint online due to its not being a XXXX incident. someone stole my wallet and cell phone with all my personal information i had at the gym. this is a very bad situation i have experience. the total amount of fraudulent transactions was in the total amount of {$10000.00} i work hard for my money and need answers asap thanks