davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal doesn't value its Customer experience.

I have been a Navy federal member between 4-6 years. During the pandemic this has been one of the ABSOLUTE WORST EXPERIENCES in my life with any company. I was contacted XX/XX/2020 regarding unauthorized usage on my account. As a result I removed the online banking updated contact information and proceeded on. Due to the fraud I call Navy Federal via phone daily to manage account. I have had countless issue where representatives misinform me about my balance, over draft fees and how to efficiently manage the oops balance. There are little to no notes left on the account so when calling you have to explain from start to finish each and every time. Last Wednesday XX/XX/XXXX I was attempting to with draw funds from ATM and was informed funds were insufficient. After calling navy federal I was informed that the temporary claim on my account was reversed due to me not responding. When I verified the method of out reach used I was provided an email address that was updated and requested by me to change during the online fraud issue due to me not having access to that email any longer. Due to the reversal My account was over drawn and nothing could be done even though I called Tuesday XXXX XXXX and was NEVER informed there was a pending reversal. I then received a deposit from my employer of $ XXXX on XX/XX/2020 which the first thing I did was call into Navy Federal and request a transfer to clear the overdrawn balance which I was told was {$500.00} I transferred $ XXXX to which I was told my savings account was left with a balance of $ XXXX dollars and checking about {$1000.00}. The very next day XXXX XXXX I withdrew {$140.00} from the ATM to which I was informed that my available balance shows as {$63.00}. I called to speak with 5-10 representatives including management staff and was transferred between departments and requested to escalate the issue. Unfortunately the company did not leave notes causing me to have to re-explain the issue, I was informed there was no notes left regarding the transfers or anything else I requested since XXXX XXXX. I then attempted to escalate issue higher and was informed that was not something that can be done directly to reach escalations team a note must be left, this was told to me after some one had already transferred me to the escalations team to speak with XXXX. I was told by the same supervisor that she doesn't know this person and could assure me that I was never transferred to the escalations team. I would like all calls on my account puled from XXXX.
Consumer complaint received 2024-02-15
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)

I have since XX/XX/2023 been attempting to correct information regarding 4 accounts from XXXX XXXX and 2 accounts from XXXX XXXX that belong to a different XXXX XXXX XXXX with a completely different social security number of ending in XXXX. I have provided all my information including my social security card, drivers license, passport etc. I was told after the first 30 days that " these accounts are reporting correctly '' I reached out to the creditors XXXX XXXX and XXXX XXXX. They both reported back to me that these accounts were not reporting under my social ending in XXXX. I have attached all the correspondence that was submitted to Equifax. These accounts are ONLY reporting to Equifax. They have never been reported to XXXX or XXXX. I have provided all this information and proof including the latest letter from XXXX stating on company letter head and singed that these accounts are not mine. Yet I get the standard we need 30 days to investigate. Its not our problem it's the creditors etc. It is NOT the creditors it is Equifax and only Equifax that has my file merged with a different XXXX XXXX. a very common name by the way. I can not get them to correct their issue. It has caused me to loose a new job offer and now prevented me from renting an apartment.
Consumer complaint received 2024-03-22
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX  : XXXXXXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore loan management and XXXX will not send me my original deed to luie documents. They are lying and playing games and I keep asking for them and I get nothing! XXXX has marked upy credit and they are in the wrong and trying to get money from me XXXX.
Consumer complaint received 2023-08-03
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. (TX)

XXXX XXXX XXXX is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Name : XXXX XXXX XXXX Account Number : XXXX You are reporting this collection with a past due amount of {$830.00}. 
This is inaccurate reporting and needs to be removed immediately. 

You are also reporting this collection account as active when it was voluntarily closed by me in XX/XX/2020. Once a consumer has voluntarily closed an account, it MUST be reported as such by credit furnishers and credit reporting agencies.

Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim. Also you have no legal standing to collect in Alabama or New York. This is a cease and desist!
Consumer complaint received 2024-02-24
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. (RI)

Experian is been reporting an inquiry by XXXX XXXX XXXX, on XXXX. I had no business with this company, neither or authorized any used of my credit file.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Verizon credit card, which is administered by Synchrony Bank. They declined my application, even though I have other credit cards through them and my credit is excellent. I provided them additional information. Date of application response is XX/XX/2023. I have sent them a written response via email.
Consumer complaint received 2023-01-16
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: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am not satisfied with my complaint that got closed. Transunion did the do the accurate job when investigating a dispute. My prior complaint XXXX-XXXX. I wanted valid proof sent to me that is required under federal law.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Somebody used my information to obtain an apartment in my name. I have reported it to the apartment complex, the collection agency, police department, Federal trade commission, and reported the apartment complex and collection to cfpb. The collection agency has not provided me any documentation with a physical signature a picture ID, or even a collection letter. I have provided everything to the collection agency without even a written response from them. I have provided my information and all my documents to Transunion XXXX XXXX and they will not remove this information from my credit report.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

PENTAGON FEDERAL CR UN Account type - Credit card Date opened - XX/XX/year> Address XXXX XXXX XXXX XXXX, VA XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all XXXX  credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} 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
Consumer complaint received 2023-07-04
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. (NJ)

they removed all fraud accounts and still left 1 from XXXX XXXX bank there was 2 accounts associated with XXXX they removed 1 and left then other which does not make sense please remove account immediately it is preventing me from getting a new home and causing me hardship
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC. (GA)

In XXXX  2023, I applied to an apartment complex but was denied because Collections USA INC is reported on my XXXX and XXXX credit report. I contacted the Collections USA INC company and was asked to provide the last four digits of my social security number and date of birth. Upon rendering the information, the representative stated that Collections USA INC did not have a record of me owing a debt to said company then suggested that I contact the credit bureaus to have the information removed. I contacted XXXX whom stated that they would reach out to the collection agency to have it removed and suggested that I reach back out to the collection agency as well. When speaking to the same representative at Collections USA Inc for the second time, he then asked me for my personal information again and stated that the debt did in fact belong to me. I stated what the person at Collections USA INC had told me the first time I called which was that the said company did not have a debt on record for me. The representative from Collections USA INC told me in order to have the debt cleared, I would have to file a police report even though Collections USA did not furnish proof that the debt is mine. I sent in a certified letter to Collections USA INC but have not received the information requested as far as validation of the debt the company has reported to XXXX as well as XXXX.
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BMO Bank, N.A. (AZ)

I'm having a very serious issue at the moment with BMO Harris Bank. XX/XX/XXXX a payment was made for XXXX, with a due date of XX/XX/XXXX for the amount of {$220.00}. XX/XX/XXXX, the Installment loan was closed without any warning and I have no idea where my funds went. XX/XX/XXXX I entered the BMO Harris location where the Installment was opened up. I was told there was no record of the funds at the current moment, by a Retail Relationship Banker by the name of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX, there is no location of the account at the moment. She also made me aware I was on the " DO NOT CALL '' list, which she agreed was very odd. Why would I request for my bank to not call me? I was given Corporate number to call at XXXX. After speaking with " XXXX XXXX '' Resolution Team Specialist '' at the Corporate office, she was also unable to locate the installment loan. At this point I believe I was scammed by BMO Harris. How do you misplace installment loans.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint against Transunion regarding their failure to respond to my request within the stipulated timeframe of 30 days, as required by the Fair Credit Reporting Act ( FCRA ). Despite my submission of an online request on XX/XX/2023, and the estimated completion date provided by Transunion as XX/XX/2023, I have yet to receive any response or resolution from the company. 

Below are the details of my request and relevant information for your reference : File Number : XXXX Date of Request : XX/XX/2023 Estimated Completion Date : XX/XX/2023 I am extremely disappointed with Transunion 's lack of prompt and efficient service. As a consumer, I have the right to timely and accurate information about my credit report, and Transunion 's failure to adhere to the statutory requirement of responding within 30 days is a clear violation of my rights under the FCRA. 

I have made multiple attempts to contact Transunion regarding the status of my request, but have not received any satisfactory response or explanation for the delay. It is frustrating to experience such a lack of professionalism and accountability from a credit reporting agency that is entrusted with handling sensitive consumer information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Transunion for their non-compliance with the FCRA. I believe that their failure to respond within the designated timeframe not only reflects a disregard for consumer rights but also highlights a potential systemic issue within their organization. 

Enclosed with this letter is my initial request to Transunion. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure that Transunion complies with its legal obligations under the FCRA. Additionally, I would appreciate being kept informed of any developments or actions taken in response to this complaint. 

Thank you for your attention to this matter. I look forward to a prompt resolution.