davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/2024 XXXX XXXX gave XXXX XXXX of New Jersey {$40000.00} to wire to me XXXX XXXX through Navy FederaXXXX. XXXX is my XXXX XXXX who purchased a vehicle from me. She was moving from XXXX XXXX to XXXX  and need to purchase a vehicle. While still transitioning from XXXX XXXX XXXX XXXX XXXXXXXX and I made the Sale. Navy federal the bank i bank with then restricted my account and wont release any funds.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (AZ)

MEMBER NUMBER : XXXX I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding a disputed charge on my Navy Federal Credit Union XXXX XXXX card, totaling {$2800.00}, related to a transaction with XXXX on XX/XX/XXXX. 

Background : I booked an accommodation through XXXX and split the payment, with half of the amount charged to my XXXX XXXX card and the other half charged to my Navy Federal Credit Union XXXX XXXX card. Upon arrival at the property, it became apparent that the property was grossly misrepresented in the listing, being uninhabitable due to various issues such as mold, dirt, malfunctioning amenities, and overall unsanitary conditions. 

Dispute Process : I immediately initiated a dispute with Navy Federal Credit Union regarding the {$2800.00} charge on my card. Initially, they provided a provisional credit pending investigation. However, on XX/XX/XXXX, Navy Federal Credit Union charged back the {$2800.00} to my card, claiming that XXXX XXXX informed them that the dispute was closed and not found in my favor. This is despite the fact that XXXX XXXX, after conducting a thorough investigation, found in my favor and issued a refund for the first half of the payment made through their card. 

Communication Efforts : Since XX/XX/XXXX, I have been diligently reaching out to Navy Federal Credit Union 's customer service department, making numerous calls and submitting over 35 requests through their website for communication. However, their customer service representatives have been unhelpful, stating that they will not reopen the investigation based on misinformation about XXXX XXXXXXXX XXXX stance. 

Request for Intervention : I am disputing this charge and seeking your intervention for the following reasons : The property in question was uninhabitable and did not meet the advertised standards. 
XXXX XXXX, after conducting its investigation, found in my favor and issued a refund for the first half of the payment, proving the validity of my claim. 
Navy Federal Credit Union 's refusal to reopen the investigation or communicate effectively with me despite evidence and multiple attempts on my part is unacceptable. 
Enclosures : Attached to this complaint, you will find : Documentation of the original XXXX listing and the property 's actual condition upon arrival. 
Screenshots and transcripts of communication with Navy Federal Credit Union and XXXX XXXX. 
Proof of payment and refund from XXXX XXXX. 
Records of attempts to communicate with Navy Federal Credit Union 's customer service. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a fair resolution, including the reinstatement of the {$2800.00} chargeback on my Navy Federal Credit Union XXXX XXXX card. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

This co garnished my wages for {$140.00} without any prior notice to validate it or contest it, when I called to find out what the garnishment was for, no one had any information on the garnishment to validate their claim against me I was transferred XXXX times to different agents with no knowledge of my garnishment that took place on XX/XX/2024, they did verbally confirm that the only account they had on me was an old XXXX credit card that had no balance owed on, absolutely no documentation to support this garnishment, I feel I have been defrauded and this co cant give me any validation on this garnishment I want my money back and this debt put on notice
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I deposit a XXXX check into my checking account. My balance was then XXXX On XX/XX/XXXX, Navy Federal transfered XXXX and XXXX to my past due credit card balances leaving me XXXX in my account. 

I am on XXXX and I am unable to work until I have a XXXX in XXXX and a XXXX XXXX recovery. My XXXX is only XXXX per month. My rent is XXXX alone. The {$500.00} check was to keep my phone turned on which I will need to contact my doctor. I am also a XXXX. It was also needed for gas and basic survival needs. 

I contacted Navy Federal and explained I was living XXXX XXXX XXXX. I also informed them that : The Fair Credit Billing Act ( FCBA ), which protects consumers from unfair credit card billing practices, rules that banks can not typically seize funds deposited into a consumers bank account to pay off their credit card. According to the FCBA, a card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. The law recognizes that using an offset provision to go after your credit card debt would give the bank some leverage against you. 

However, there are some exemptions to this rule that would allow a bank to take funds deposited to make your credit card payment. For one, you may have authorized your bank to pay off your credit card debt using the money in your checking account. For instance, you might have signed up for an automatic bill payment arrangement. 

In spite of any such arrangement, though, if you dispute a credit card payment and ask the bank not to take the payment from your monies deposited, it would have to heed your request. 

The paragraphs above I sent to my bank and I requested they return the funds. I had stopped automatic credit card payments prior and none had been taken for the last XXXX months. Navy Federal replied that my cardholder agreement allows them to seize funds and refused to return the money.
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : UPSTART NETWORK INC. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} Balance updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Consumer complaint received 2023-05-06
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. (TX)

I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with XXXX XXXX XXXX. Please have this removed off of my credit report.
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-11-23
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. (MI)

In accordance with the Fair Credit reporting act. The list of accounts below have 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 XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

On the date XX/XX/XXXX I applied for a pre approved auto loan with Navy Federal Credit Union upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a car accident which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to Navy Federal they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to send a letter requesting an investigation of my account with XXXX XXXX to the address that XXXX XXXX reported to the credit bureaus. I got the address directly from my credit report. However, my letter was returned undeliverable.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (MD)

Date : XXXX XXXX Sent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness.

Violation of : Fair Credit Reporting Act Privacy act of 1974 Fair Debt Collection Practice Act
Consumer complaint received 2023-05-06
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I have proof that I was a victim of Identity Fraud & my next step will result in me taking legal action against these companies & bureaus!!
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NV)

Mountain America Credit Union reported a Late Payment/Missed payment that was incorrectly reported to the credit reporting agencies by MACU on XX/XX/2023. MACU customer service confirmed to me that this missed payment was a result of a a bank error by Mountain America Credit Union in which my automatic payment was accidentally turned off. MACU acknowledged this mistake and agreed to update to the credit reporting agencies. 

Late payment for XXXX ( XXXX ) This missed payment has caused considerable damage to my credit score and resulted in XXXX of Dollars in compounded interest charges to accumulate as a result of the increased interest rate due to this damage to my XXXX 

I am requesting that MACU immediately update to the credit reporting agencies that this was not a late or missed payment but done as an error by your bank.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In the early hours of XX/XX/17 I was XXXX while at a bar on vacation in XXXX XXXX, when I woke up the next morning my phone, wallet, watch, and XXXX had been stolen. I called my financial service companies & cancelled all of my cards, BofA gave me difficulties in finding the nature of the transactions that took place as they would not verify me with a social security number but instead required the last 6 digits of my STOLEN card. They froze my account for future transactions but did not alert me to the charges that had been incurred until I went into the branch location on the following Tuesday ( Monday was a bank holiday ). In spite of this, the charges had not yet been posted so we contacted the fraud department at the physical branch and were able to open a claim on the charges. Bank of America then rejected the claim, stating that the information was either verified via SMS ( possible due to the stolen phone ) or by fraud agent ( which would be a massive security failure if true ). I was able to appeal the claim, to which BofA requested a copy of the police report and a statement from my phone provider showing the device was blacklisted as stolen & a new device reconnected to my phone number. I provided both of these things, and in addition provided a FTC, IRS, and FBI report on one of the individuals/accounts involved with the XXXX transactions . In spite of all of this, Bank of America advised they failed to stop the transaction process and since the other bank, XXXX, did not simply give the money back, they were stepping out of the situation entirely. I was advised any further action would require me to have the XXXX subpoena XXXX XXXX  in order to provide any further justification.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The bank is not upholding policies in regards to when a customer filed a claim against an unauthorized transaction.. in my opinion I believe the Fifth Third Bank discriminate against customers especially myself.. I was told one thing over the telephone however going to the branch its a different story ...
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (IN)

Some of the selections I made doesnt describe my issue with Navy Federal Credit Union XXXX I disputed charges with my bank against XXXX XXXX XXXX on XX/XX/XXXX. I was scammed out of funds from this business. I sent all the evidence about their scam and how they were shut down, assets frozen and are in litigation with the XXXX. Navy Federal told me that this could take up to XXXX business days. It got passed that so I checked on my claims they then started to give me the run around and said it still being investigated it could take longer and the evidence I sent in was good. I called XX/XX/XXXX to get an answer, only to be told that the back office was still investigating the case. I asked did they need more evidence and was told the evidence does not matter. They put me on the phone with a supervisor who said she could message that department but they would not speak with me. She sent a message, I do not know what it said and the back office sent her a message back stating they are going to deny my claim because it is outside the allotted timeframe for disputes against scams. I have never in my life heard such nonsense with any bank that I have banked with. They are basically telling me the scammers can get away with it as long as it falls outside their timeframe. I am infuriated because they knew when I filed if it fell outside the timeframe allowed and secondly that this investigation against XXXX XXXX XXXX was recent. The XXXX are the ones that told people to try and go through our banks to recover our funds back. This is the evidence I sent https : XXXX