davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MO)

I have been with Navy Federal for 14 years, I have always paid my bills. 
I had added an ex-boyfriend to 2 of my accounts but later sent in the forms to take him off. Recently, I transferred {$2500.00} into my savings account I thought was my sole savings. It wasn't. It was still a joint savings account that Navy federal had FROZE and so my name was never removed. Then, NFCU stole over {$2000.00} of that money and allocated it to a debt that was not mine. I called them on XX/XX/XXXX and explained what happened. Their supervisor refunded ALL of the money and then transferred it out of the frozen savings account and back into my SOLE Checking. Then, on XX/XX/2023 Navy Federal again went in and pulled all of that money BACK out, resent it back to the {$2000.00} debt and pulled more money than what was left available as some of the money had been used for my daughters daycare. 

This has now overdrafted me {$800.00} and Navy Federal is stating that their hands are tied because that savings account is FROZEN and their is nothing that they can do to get it back. So, they sent me my money back, told me it was safe, then stole it and created more of a debt and financial hardship for me and my XXXX  children AND applied MY money to a debt that I am in no way associated with ASIDE from the fact we had a joint savings account that could not be CLOSED BECAUSE NFCU froze the account.
Consumer complaint received 2023-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Hello, Through my XXXX XXXX Credit Report via XXXX, I have been made aware of a collections due to XXXX in the amount of {$1100.00}. 

I have been watching my credit via XXXX XXXX which has been showing me XXXX and XXXX reports. On neither of those has this collections amount shown. 

After seeing this collections due to XXXX. I called Credence Resource Management. They stated that an XXXX account was opened in XXXX, Georgia in fall of XXXX. From XXXX I was a full time resident in XXXX, Texas. I have not allowed anyone to open up an account on my behalf and have never lived in or been to XXXX Georgia. Credence resource management sent a fraud packet letter to complete which asked for my Social Security Number and other personal information that I was not comfortable giving out to Credence resource management. I have gone online and read that credense resourse management has lawsuits for scamming and other fraud issues. 

I then signed up to experian and saw the fraud appearing on their credit report for me. I called them directly and they started a dispute into this collections claim. They advised for me to file a fraud report on ftc.gov, which lead me to this site. I have an active dispute filed with experian for this collections claims.
Consumer complaint received 2024-03-14
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was XXXX auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store XXXX confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.
Consumer complaint received 2018-12-13
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. (NY)

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit  bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (LA)

I sent the attached document to XXXX, XXXX and Experian on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear XXXX XXXX XXXX, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXXXXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY  - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - XXXXmpermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.
Consumer complaint received 2023-10-19
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. (FL)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against you.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account numberXXXX  Open/closedClosed Date openedJan XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After 5 attend to get the 1099, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens mo0 281 sw 715.719. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Yet again I tried to access my account. It wouldn't let me sign in. I used their verification process entering my social security twice and my last name. It wouldn't process the information and kept clearing the screen and not continuing. Tried chat and they did nothing. Transunion continually locks me and others out and refuses to let us get our credit reports on a regular basis. The one time I got in they had weird stuff on my account which I reported and nothing was done about. I am attaching a copy of it and request that you stop them from continually locking people out for no reason, and then when they enter their information as verification refuse to process it.
Consumer complaint received 2024-04-08
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. (DE)

Equifax, XXXX, and XXXX have taken over 4 business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/2024. I sent certified tracking to make sure : XXXX, XXXX, XXXX. I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Sale of account — 
Company: ENCORE CAPITAL GROUP INC. (KY)

I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CT)

I opened an account in XXXX they closed it two weeks later and have not given me the XXXX in my savings only the money from checking was returned. They continue to tell me I have to do a harmless bank to bank transfer that they wont initiate nor will peoples initiate because peoples said they cashed the check and received the money after calling fraud, and I cant initiate. They have held up our money over 3 months know and recently sent a statement with a XXXX balance. You are the ones regulating them yet have done nothing to settle this and help us get our money back.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XXXX XX/XX/2023, at approximately XXXX XXXX, my phone rang. Caller ID said " SPAM RISK '' so I did not answer. A voice left a message saying it was State Employees Credit Union calling to confirm unusual use of my card in the charge of {$940.00} to some insurance company. I DO NOT BELONG TO SECU, I DO NOT HAVE A CARD SPONSORED BY THEM. I called to tell them that -- XXXX -- and XXXX XXXX was unavailable but her machine would take a message. I told her to stop scamming people and that she ought to be ashamed of herself and hung up.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Porfollio Recovery is reporting a debt to credit reporting agency transunion that does not belong to me. After sending proper documents including police and id theft reports porfollio continues to report the fraudulent debt, using practices violation all my rights as a consumer. Also portollio is using threats and harassment in order to collect a debt that is not mine. They have already been sued for the conduct and yet it still persists.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (OH)

I bought a Costco membership at one of their stores on XX/XX/XXXX. Even though I have numerous credit cards I decided to apply for their specific Visa card through Citi, to get the best bang for my buck. The sales girl called them so I could give them my info. I was denied and told I would receive a letter stating why. Approximately a week later I received a letter stating that I was denied. 
This is what the letter states! 
You have filed for bankruptcy and your previous accounts with us was included in the filing. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
Your previous or existing account with us has a history of late payments. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
The credit privileges on your existing accounts are currently restricted. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency. 
XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I have trouble inserting things, thats why I did not send a copy. If need be, I can fax or e-mail. I contacted XXXX and they do not have a record of the application or a bankruptcy. They sent me a copy of my credit report. I have 2 other cards through Citi bank. A Master Card and a Best Buy Visa. I have never been late on any of my cards. I have spent hours trying to get to the bottom of this. Costco was on hold for such along time I told the girl to not worry about it. I have been transferred on the phone today with Citi for 3 hours, trying to find out where this false info is coming from. This is why I need your help. If Citi did this without even contacting XXXX  why would they lie about this? I am completely baffled!
Consumer complaint received 2023-10-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XX/XX/XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-02-24
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. (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 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - 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 an 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 antidotes 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 2023-06-22
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.