davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Before I was the victim of identity theft with XXXX 's appliances. I had, maintained, and successfully paid off an account without incurring any late charges. 

TransUnion and XXXX are reporting to other XXXX 's accounts that bear the same account information as the initial account that I was responsible for financially. Except the accounts that they are reporting have {$4700.00} balances associated with them. 

I disputed the validity and accuracy of the XXXX derogatory XXXX 's accounts and instead of TransUnion deleting the derogatory entries, it elected to delete the account that was in good standing and positively impacts the credit report that TransUnion has compiled and paired with the social security number that was assigned to me. 

TransUnion has also chosen to retaliate against me by deleting other positive entries that was listed in the consumer report that it compiled causing the score that I diligently work hard to maintain to drop from XXXX to XXXX. This retaliatory tactic of deleting information that I am not disputing or information that I requested be reversed and not deleted is being deleted without just cause. 

I called several times and sent TransUnion and XXXX several letters explaining to them what my name is, what my address is, and who my employer is, but the XXXX entities insist on listing inaccurate and erroneous information without divulging who their respective sources are. 

I am not being allowed to communicate with a representative at TransUnion or XXXX over the phone because it has been relayed to me that my actual information doesn't match the information that they received from their respective customers or creditors. 

I am being denied access to dispute any information online as well. 

TransUnion has not responded to my dispute letters which validates my name and address. The only changes that it has chosen to make are deletions of positive account information which threatens my economic stability, is defamation of my character, and places me in a state of economic duress and undue financial hardship.
Consumer complaint received 2023-02-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear Consumer Financial Protection Bureau Team, On XXXX XXXX, I submitted an email to the NCUA, and they responded on XXXX XXXX 2023 I received an email that the information was forwarded to The CFPB, see attachment titled " XXXX & XXXX XXXX XXXX XXXXNCUA  Case Number XXXX XXXX XXXX XXXXXXXX ] ''. I called and spoke with a representative at the CFPB today ( XXXX XXXX 2023 ), but no record of my file could be located. I am uploading all information that was submitted to the NCUA as well as the letter they sent to me regarding the dispute. 

There are five separate complaints which are described in detail in the attachment titled " XXXXXXXX XXXX XXXX XXXX XXXX XXXX NCUA Consumer Assistance Forms dated XXXX XXXX 2023 ''. All additional attachments are referenced in this attachment as they correspond to each of the complaints submitted. 

Kind Regards, XXXX
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When I log onto my Bank of America account, I can see in large, red and bold letters " 0.00 % promotional APR until   XXXX   XXXX   ''. This text is displayed immediately next to my balance details and this led me to believe I was under a promotional period until   XXXX   XXXX   XXXX  there is also smaller fine print that reads " on balance transfers completed by   XXXX   XXXX   XXXX   '' however, I did n't realize this was a NEW promotion. I thought this information pertained to my current account. Therefore, I was surprised to see interest fees on my  XXXX  statement. Apparently, my promotional period had ended the previous month. I was not alerted, reminded or informed the 19.74 % interest rate would begin. Otherwise, I would have paid off the balance in full to avoid paying the interest.   I tried calling customer service yesterday. I asked if the interest fees could be waived as a courtesy but my request was denied.   Since then, I 've submitted a payment for the remaining balance in full ( except for the inter est fees ).  as soon as the payment clears, I 'm going to close my BofA Checking and " Keep the  Change '' Savings a ccounts. i 'm also going to close this credit card account.   I have checking accounts with  XXXX  and  XXXX  and I have plenty of other credit cards to choose from. I refuse to do business with  BofA b ecause I believe the way they display promotions is misleading. I have attached a screen capture of the display and you can clearly see how I was misled into believing the 0 % promotional period was until   XXXX   XXXX  .
Consumer complaint received 2023-10-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX  XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (IN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (IN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I was charged two {$34.00} overdraft fees from Chase on XX/XX/XXXX, one {$34.00} fee on XX/XX/XXXX, and then an extended overdraft fee of {$15.00} on XX/XX/XXXX. 

Beginning on XX/XX/XXXX there was an available balance of {$34.00} in my account. On XX/XX/XXXX an ACH charge went through for {$47.00}, which brought my account down to XXXX. After this, another ACH charge of {$29.00} went through which then brought my account down further to - {$42.00}. In response, I was hit with the two back to back overdraft fees for {$34.00} each, bringing my account down to - {$110.00}. On XX/XX/XXXX another ACH charge of {$13.00} hit my account bringing it to down to - {$120.00}, which triggered another {$34.00} overdraft fee, bringing my account down to - {$150.00}, before being hit with the extended overdraft fee of {$15.00} on XX/XX/XXXX, bringing my account balance to {$170.00} before I obtained enough funds to cover the negative balance. 

I immediately called Chase, but was informed that I had reached my annual fee reversal limit, and that I could not have these fee 's reversed until XX/XX/XXXX. When I asked if they could simply waive them early due to the severity of the situation they declined. I waited a little while longer to call as I believed I could get a manager on the phone to waive them as I have had done multiple times in the past. However, I was told that this wasn't permitted but that I could try going into a branch to " have them waive it there ''. Why would they tell me to go into a branch instead of doing it themselves.This is an obvious case of " the run-around. '' Chase never called or notified me about my negative account status except by email, which is not checked everyday. I received no call from them or even a letter. Rather, Chase just continued to let this happen so that they could rack up more fees. This is a predatory banking practice that should not be permitted to occur. A policy is a policy, so why am I am being told of possible ways to get around it, only to be told no once more. This only breeds false hope, which is extremely unethical behavior and a waste of my time.
Consumer complaint received 2017-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United Acceptance Inc. (NC)

United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly
Consumer complaint received 2023-04-11
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. (NV)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

Experian has added, ( Finally I must say ), a verification process when you add your Username and Password. The verification process, then calls the number on file, issues a validation code to input into the screen for double authentication. I never receive the call. I have been a member for XXXX yrs. This process is new. I have called multiple times, with either no answer, or someone would call me back to solve the issue. Nothing, it has been over XXXX weeks. Here was the ticket number I was given, # XXXX. Also, their phone system has no way of asking to fix this issue, and just hangs up on you. Its been weeks, and I have no access to my credit file.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

i called credit acceptance in the beginning of  XXXX  to notify them that i would be making a payment on   XXXX   to avoid towing/repossession and the customer service rep agreed. Credit acceptance than towed my car before the agreed upon date. on  XX/XX/XXXX  i made the payment as agreed + the additional towing charge and was promised that it would not be reported on my credit due to it being prematurely towed. on on   XXXX   XXXX   XXXX   i was alerted via  XXXX  that Credit acceptance reported my car as reposed and on the  XXXX  reported it as redeemed. i again contacted them and notified them of the error and was told there is nothing they can do and that it is not their problem.     another issue i have with credit acceptance is that they do not call me to notify me of  ANYTHING  my phone number is  XXXX  and they do not try and contact me at all. the only notice i received was via mail on   XXXX   that my car was due to be towed  ( the car had been towed the  week prior )
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (FL)

I am writing to formally request the removal of two accounts from my credit profile with XXXX, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization may have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit. 

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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. (IL)

This is my formal complaint to TRANSUNION for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
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. (WI)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2023-08-23
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have never did any type of business with this merchant and I have been a victim of identity theft I took the steps that were recommended. And what's strange is i never have received one letter from the merchant I'm requesting immediate removal from credit file