davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I submitted a wire {$13000.00} electronic wire transfer request on XXXX XX/XX/2024 ( 20 days ago ) from my Navy Federal account to another account I have with a different financial institution. The funds have not been delivered to my other account but deducted from my Navy Federal account on XXXX XX/XX/2024. 

The Navy Fed representative who initiated the transaction failed to properly process the request.

Navy Federal has claimed the wire was sent a few different times, but still no funds were delivered. Navy Federal has given me at least 4 versions of what the " facts '' are but I have not received the funds. Navy Federal has lied to me multiple times, hang up the phone on my a few times.

I have called the receiving bank numerous times and called Navy Federal countless times to try and locate the wire. I have visited a branch of Navy Federal but still no recourse.

I have asked countless times when I will have my funds again ; I was told Navy Federal has no idea if it will be a day, a week or a month because they do not control the process. I was told if I dont want to wait indefinitely my only other recourse write a letter and mail it to cooperate, then wait for a response. They claimed there isnt an email nor phone number to complain to other than the customer service number.

I need my money to pay my mortgage and other financial obligations, I am now late on my obligations and fees assessed. 

They have not provided much assistance and it has been XXXX days since my money has been missing. 

Please help!!
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (MN)

I took out a loan online due to financial crisis. I was later advised that online loans are illegal in MN and lenders need an NMLS # to do business in MN. I believe MN law is lenders can't charge more than 33 % on loans under {$1000.00}. The loan was for {$900.00} and interest rate being charged is 41 %. 
Is this loan legal? And can they be forced to lower interest rate, if so?
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (TX)

when i when on line pymt was XXXX, i have a 10 daY GRACE PERIOD WHICH I WAS IN. THEN 2 DAYS LATER IN MAIL THEY CHG late pymt, also i informed them and gave their XXXX XXXX XXXX car was total, also title was mail in as they are XXXXXXXX XXXX, none of this was done as to date.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2021 I applied for a secured line of credit with Navy Federal I put down a limit of XXXX dollars for XXXX  months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution Navy Federal then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware 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 your reporting of this account inaccurate!
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

I called and dispute this Account the are reporting in my credit {$1100.00} the I dont have no knowledge where it comes from, its the coming from ( Enchanced Recovery CO L XXXX ) AT & T . 
I didnt authorized to nobody to use my information in no party for no reasons. I Would like to get a report about it thanks.
Consumer complaint received 2023-07-21
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (VA)

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX, VA XXXX. The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX transaction reflecting post date. Also, Concora Credit refuses to grant me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (OH)

I purchased add on protection in the event that I should lose my job or potentially get laid off. I had both of these addons on both of my loans. The first time that I used the protection was because I had a Temporary loss of income due to XXXX. They then informed me that I could go ahead and get the XXXX time Payment for my Time that I was off work, but they also Told me that the add on protection would now be void because I used it within XXXX day Of signing the loan. I had XXXX and it was not something that was planned. The second time I had to use that I was unemployed because I was XXXX from my job. because the State of Ohio is an at will employer, Getting unemployment for the 60 days that I had no work was next to impossible.They said because I was not eligible for unemployment that I was not eligible for the add on protection plan. When agreeing to the loans, both times it was presented that should you get XXXX, you are eligible for payment coverage. It was not stated that you had to be approved for unemployment first.
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (LA)

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification, please provide me the certified mail with the receipt with my name on it, my signature.
Consumer complaint received 2023-04-12
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXXL 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2024-03-23
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: SYNCHRONY FINANCIAL (CA)

There is a credit card that I did not open with Synchrony Bank for Guitar Center. I am contacting them once they open up their customer service. I will immediately close the account that is under my name. This I know will impact my credit score. I am writing because this is fraudulently opened in my name. I am closing the account and does not want my credit score impacted doing so. Please help with this.
Consumer complaint received 2024-03-23
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: SYNCHRONY FINANCIAL (CA)

There is a credit card that I did not open with Synchrony Bank for XXXX XXXX. I am contacting them once they open up their customer service. I will immediately close the account that is under my name. This I know will impact my credit score. I am writing because this is fraudulently opened in my name. I am closing the account and does not want my credit score impacted doing so. Please help with this.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened up a walmart credit card in XX/XX/2022, I never received a physical card in the mail as promised. I called capitol one 3 times requesting a physical card but yet never recieved any of them. I was able to make a few purchases online only because a digital version of my card was available on the Walmart website however I am only allowed to view the last 4 digits of the card number the other digits a represented by * symbol. I tried numerous times to open an app specifically for this account to manage and hopefully order a card however I receive a message that capitol one is having technical issues for months now and I can not access my account online. I called Capitol One 16 times and spent numerous hours on the phone answering all of the security questions however I'm not allowed to proceed bc I never knew my full 16digit card number only the last 4 digits. Capitol one states they can not view the full 16 digit card number either so they can not help me. I called Walmart to get help only to be told that capitol one handles all of the card issues. I suspect fraud from this company so I want to close my card but I don't want to damage my credit score bc of a faulty company. All that I am asking for is an actual credit card so that I can continue to make purchases and make my on time payments as promised on my end of the agreement. This is extremely frustrating please help!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-20
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. (MD)

Improper use of credit report 15 usc 1681a - Definitions : Rules of construction : 15 usc 1681- Section 602A : I have the right to privacy 15 usc 6802b : Opt out never told me to opt out or give me the opportunity to opt out.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

SEVERAL WEEKS AGO, I DISPUTED WITH TRANSUNION REPORTING OF THE BUREAUS # XXXX PAST DUE {$690.00} THE INVESTIGATION CAME BACK VERIFIED, WITH PAYMENT RECEIVED A PAYMENT HAS NEVER BEEN MADE ON THIS ACCOUNT! 
ALSO THIS ACCOUNT WAS INCLUDED IN XXXX XXXX BANKRUPTCY! 

SEE THE ATTACHMENTS
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid 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: DISCOVER BANK (NY)

Got a faulty dryer twice from XXXX XXXX. We wanted to return it and get a refund ( 2 days into owning it ) and they were very difficult to work with. After 3 weeks of communication, we had no progress. We opened a dispute with discover, and they ruled in favor of XXXX XXXX because they said they havent received the product back. I can not easily transport a dryer, so I called them to try to schedule a return and they refused. I dont know how its fair for them to win the dispute with the logic that they havent had the product returned, but then refuse to have it returned whenever we try to. We are more than willing to give it back.
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-20
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. (IL)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-15
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TOXXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OK)

I called after being homeless during covid 19 and getting back on my feet they said if I paid in full they would remove from credit as this has destroyed my ability to move forward so i paid teo months ago waited, disputed paid in full sent them email they said they didn't care what it said they got their money.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NC)

I applied for the navy federal flagship rewards card on XXXX XXXX and the platinum visa on XXXX XXXX| was denied. On XXXX | submitted a letter stating that I was denied and could they reconsider navy federal replied stating " We are unable to withdraw applications that have already been declined ''. I hold navy federal criminally liability for violating I have proof that I was discriminated against by Navy federal due to the response I received. 


Thank you XXXX XXXX