davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I accidentally submitted an incorrect account number through Navy Federal Credit Union ( NFCU ) to XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX number was off ). Both accounts that should have been involved in the transaction are in my name. After I realized this, I reached out to every party possible ( originating bank, receiving bank, XXXX, etc. ) and received no help. I requested contact information for the account owner so that I could reach out to see if they would voluntarily return the funds. Both financial institutions refused to submit disputes or provide me with resources, despite the fact that all transactions occurred on their websites. 

Transactions : XXXX XXXX XXXX} transferred via XXXX XX/XX/2023 : payment finalized to wrong account XX/XX/2023 : notified that transaction was finalized on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure. 

According to the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TN)

Theyre trying to hit me with a {$1400.00} debt collection that is NOT mine. I have disputed it and I dont even know who it is thats trying to collect but I do not owe anyone money much less {$1400.00}. This is crazy please hello its going to destroy my credit Ive been working hard as I possibly can on and its obviously fraud they have no proof it was me that owed this debt because it was not me! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

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 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX EMPLOYER - XXXX  EMPLOYER - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  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 XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD and a financial hinderance for myself and family.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-13
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)

In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 







15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-07
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure. 

According to the Fair Credit Act, XXXX XXXX have violated my rightsXXXX XXXX XXXX XXXX XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I spoke to an agent on XX/XX/18, and tried to resolve the account, like this XXXX character advised they would help me do. Offered no type of assistance and refused to set up a payment arrangement or settle the loan, as agreed with this XXXX character, who apparently is a liar, a cheat, fraud. The agent was verbally abusive and disrespectful and refused to assist me and set up a payment arrangement. Would only accept full amount and refused to help. Told me to destroy my credit before they would help me, which is illegal.
Consumer complaint received 2023-04-28
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. (NC)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 7 ) late payments, i wish for these late payment be removed from my report immediately!
Consumer complaint received 2022-09-21
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. (FL)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviewed my credit report and notice accounts that I am not liable for the debt and do not have contracts with these credit agencies. 

XXXX. XXXX. XXXX, XXXX {$500.00}
Consumer complaint received 2023-10-13
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I bought american express gift card, I try to use online buying stuff from XXXX, XXXX. When I try to pay through gift card and couldn't purchase. Though they took XXXX from card just, payment wasn't going through. So now I want my cash back and want to return gift card back need my money back. I save money XXXX for buying stuff online, {$500.00} gift card just buying that card I spend {$7.00}. So XXXX.
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (FL)

My former loan servicer, XXXX XXXX and/or XXXX XXXX XXXX  XXXX XXXX ) XXXX endorsed and cashed an insurance claim check # XXXX in the amount {$42000.00} that was paid out by my homeowner 's insurance carrier XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, the insurance claim was related to damages associated with XXXX XXXX. I was not made aware of this claim initiated. 

The insurance check received included my name as XXXX of the payees. The check cleared shows that it was endorsed by a " XXXX XXXX XXXX '' with either M & T Bank and/or XXXX XXXX XXXX XXXX XXXX XXXX. The check cleared XXXX XXXX XXXX on XX/XX/2023, however I never received these funds. XXXX XXXX XXXX  knowingly cashed a check bearing my name without proper authorization, constituting an act of check forgery. 

I sent certified mail letters to XXXX and M & T Bank on or about XX/XX/2023 requesting all documentation related to the Citizens Property insurance claim, but to date, I have not received a response to these letters nor have I received the insurance claim funds. 

Furthermore in late XX/XX/2023, it appears that M & T Bank realized what may have happened and began altering my payment records. Apparently the insurance claim funds were applied to my loan balance without my knowledge. The misrepresentation of mortgage loan transactions led to falsified and inaccurate payment history. This deliberate manipulation of records mislead me about my actual payment obligations and affected credit ratings and financial standing. 

The evidence presented demonstrates a clear pattern of deceptive practices by XXXX XXXX XXXX  XXXX M & T Bank, including check forgery and deliberate misrepresentation of mortgage loan transactions and payment history. These actions not only breach fiduciary duties but also violate established consumer protection laws.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

On XX/XX/XXXX, my account was placed on forbearance without my authorization. 

No letter was sent to my email. The only notification was buried in my online account messages on their website. 

The last email I received from them was on XX/XX/XXXX regarding my Auto Debit notification/confirmation. 

I recently submitted a Public Service Loan Forgiveness certification, but the form submitted did not request a forbearance, just to credit the time to my account On XX/XX/XXXX, my loan due date, I checked my checking account and saw no pending or cleared payment. That is when I logged into their website and saw {$0.00} due and no payments pending. I dug around and found a message in the message box ( the message box showed no messages ). In the box I found one message that looked unopened. This is where I found out about the administrative forbearance. So, I called MOHELA and spoke with XXXX # XXXX when their office opened. I asked why my loan was placed in forbearance without my authorization. I was told the accounting team believed they had miscalculated a number of people 's payments due, and rather than charge the amount due shown ( possibly less than what is due ) and sort out their mess and consult people, they placed all those accounts in forbearance without any authorization or notification. 
XXXX # XXXX submitted a request to remove the administrative forbearance ( takes 5-7 business days ) and advised me to make a manual payment online today. By doing that, this month would hopefully count towards my Public Service Loan Forgiveness and by next month the auto pay should work again. But that is dependent on their accounting team sorting out their math issues by next month. When I repeated for clarification exactly what they had just done to me and a number of other people, XXXX # XXXX did state very clearly that MOHELA made the request to place my account into forbearance, without my authorization and without consulting me. It was MOHELA that made the request, not me. 
I made the payment online and got a receipt online that I downloaded, but I had to wait nearly 6 hours to get the receipt emailed to me. Then, at XXXX ( PT ) XX/XX/XXXX, I finally received an email from MOHELA telling me my account was placed in administrative forbearance. Just more proof they did this without my consent.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-05
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. (TX)

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 : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-04-26
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report with Equifax. checking all data this has been an reoccurring issue. please review an check all info that needs t be deleted. all data is in the files.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc. (TX)

I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.