davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/year> @ XXXX a XXXX XXXX for {$60.00} from XXXX XXXX was sent to my Navy Federal Credit Union Checking account registered to XXXX. I received an email from NFCU stating that they were unable to deposit the money into my account, they returned the money back to XXXX XXXX 's account. Being as though the transaction failed, on XX/XX/year> @ XXXX I sent a money request to XXXX XXXX XXXX account. She accepted the request, and the money was deposited into my account. On XX/XX/year> I tried to login into my online banking app and could not access my account. 
It said that I had to contact them via phone to fix this issue. I received an email @ XXXX saying that my email registered to my XXXX account was deactivated and could not be used to send or receive money. I called NFCU and they informed me that XXXX flagged my account for suspicious activity and due to that my account is closed indefinitely. I appealed the decision and was denied.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On XXXX there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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 an account without my written instructions. 


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 furnishes an account without my written instructions.
Consumer complaint received 2024-04-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (MI)

XXXX XXXX XXXX has been harassing me through Credence Resource Management and damaging my credit score and it needs to stop. My credit score dropped XXXX points due to their claim. It's a {$140.00} account that XXXX XXXX XXXX refuses to close. 

This is now the third time that I've had to dispute this damage to my credit report. The debt has already been found to be invalid. It was found invalid on XX/XX/XXXX as well as on XX/XX/XXXX by all three credit reporting companies. I have previously reported this to the CFPB, but they have hired another, different, debt collection company to harass me daily and damage my credit once again. This is the third time that my credit report has been affected by this account, despite not owing the debt and this being found to be true by the independent party that is the credit reporting system. I have filed another dispute today, XX/XX/XXXX, but this isn't something I should have to take care of once a year. 

Damaging credit scores through shady debt collection companies in order to harass previous customers into paying for services they did not receive is borderline mobster behavior. I shouldn't have to pay money I don't owe just to have a year of peace without worrying about massive drops to my credit. This has clearly become retaliatory behavior in response to my successful dispute claims. XXXX XXXX XXXX needs to drop it's predatory tactics and receive a large fine for engaging in them.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Corrected wrong account with XXXX Monday XXXX XXXX Auto Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX  Data XX/XX/2021 XXXX Fair XXXX and debt to income wrong. Transunion sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.
Consumer complaint received 2023-04-13
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: JPMORGAN CHASE & CO. (MI)

Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-04-25
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, this is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX  XXXX XXXX Balance : {$26.00}
Consumer complaint received 2024-04-06
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (WI)

I entered into an agreement with Freedom Debt Relief ( FDR ) : XXXX ) I authorized FDR to take {$170.00} in ACH payments and to access my account on the XXXX of each month. 

XXXX ) The debt amount was for {$9300.00} -only- ; and that if I signed with FDR, I would be paying roughly XXXX  % of the debt -only-. That FDR would charge for their services and that there was a XXXX TIME banking fee for setting-up the bank account for the ACH withdrawals. 

XXXX ) I cancelled my program with FDR on XXXX, XX/XX/XXXX. 

XXXX ) I informed FDR on XXXX, XX/XX/XXXX, that although I was able to log into my account, no information on my account was accessible.It still is not accessible. 

XXXX ) On XX/XX/XXXX, FDR accessed my account and on the XXXX withdrew {$170.00} via XXXX. 

XXXX ) On XX/XX/XXXX, I had to call FDR XXXX times before I could speak with a supervisor in an effort to resolve this mess ; I was told by a FDR supervisor that the XX/XX/XXXX ACH withdrawal would be returned. 

FDR has broken the agreement. 

a ) FDR accesses my account on the XXXX of every month and on some months withdraws the ACH payment on the XXXX. 

b ) Although the debt amount was {$9300.00}, because FDR did not attempt to negotiate all my debt when I signed my agreement with them, several higher amount cards have accumulated ate penalty fees and etc. Those card amounts have each increased over {$1300.00} each and I am now responsible for the increased credit card amounts as well as the FDR fees on those amounts. 

c ) The XXXX TIME banking fee is a recurring banking fee. 

d ) The increased debt amount has brought my initial debt to over {$15000.00} from {$9300.00}. 

XXXX ) To date I have paid over {$1000.00} to FDR, which should have gone to my creditors, but instead has gone to FDR for banking fees and for settlement amount fees over the initial debt amount. 

f ) On XX/XX/XXXX, FDR accessed my bank account placing a HOLD on {$170.00} once again g ) On XX/XX/XXXX, FDR withdrew {$170.00} from my account, even though there was no longer an agreement with FDR. The program agreement had been cancelled with an FDR representative on XX/XX/XXXX. 

FDR continues to access my bank account even though there is no longer an agreement.

FDR has in XXXX-year charged me an extra {$1000.00} which should have gone to my creditors.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-01-12
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
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. (UT)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX XXXX XXXX XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2024-01-11
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. (MI)

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 Account XXXX Account Name : XXXX XXXX Account NumberXXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Experian is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the XXXX, and XXXX reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.
Consumer complaint received 2024-04-05
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)

XXXX, Experian, & XXXX are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

My dog was injured due to being attacked by coyote had to rush him to a vet and they informed me about XXXX XXXX for XXXX interest XXXX months. I went ahead and rush and apply for it because they were waiting for my payment and the line were being held by me. Apparently, during the application I signed up for some payment security basically saying if Im not able to make the payment they are going to make the payment which doesnt make sense because I never received my first bill which causes me to have a late fee. In top of everything late XXXX I called in to see if I have a payment due and the automated system say I dont and now I got charged another late fee. Customer care said they cant do anything about it. Apparently I am getting charged an interest charge due to this payment security transactions
Consumer complaint received 2024-01-12
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX This inquiry was pulled without my consent or permission i requested documents signature. Please help me delete/remove.. 

15 USC1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. 

15 USC 1681N- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-05-26
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. (SC)

CFPB know as you were aware of case so you seen that I was a victim of the data breach with Equifax. I let XXXX  know that I was a victim of this situation and they did nothing. Please follow up and make XXXX  delete these from my credit report
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I sent the credit bureau " Transunion '' asking them to verify the debt on my report, and they have sent back stating that everything has been verified correctly. My credit report is still showing inaccuracies. 

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. 


Collection Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX