davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( 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. 

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 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
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Have previously tried to resolve issue with USAA, to no avail. I am still being charged for closed accounts. Information is conflicting and inaccurate, I have two closed accounts that have conflicting dates and amounts. I have read USAA 's response, which further confuses me when looking at my credit report. None of the information coincides with the Credit reporting agencies.
Consumer complaint received 2021-03-13
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)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JXXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, US SM BUS ADMIN XXXX with an inquiry date of XX/XX/XXXX.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.
Consumer complaint received 2023-08-16
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CT)

A tender of payment has been mailed to via Registered Mail to XXXX XXXX for proper account offset which was received XX/XX/year>. Instructions on the tender of payment stated pay to the order of Navy Federal to be credited within 5 business days and if this responsibility could not be performed to write to me within 5 business days as to the reasons why. Notice it is a fact as per UNIFORM COMMERCIAL CODE 3-603 this tender of payment was ACCEPTED via the POSTAL RULE ( # RF XXXX XXXX XXXX XXXX ) and WAS NOT RETURNED but yet not performed on. This forfeits a complete discharge of the amount of the tender presented. Navy Federal has alos receieved a copy B form of a 1099A ACCEPTED form and continues to collect money on the account. Navy Federal continues to double dip and continues to demand receivables ( fed notes ) on an account that was performed on and tendered and has even threatened to close my credit account that arose out of a Finance charge. This in fact will be unlawful for if Navy Federal does in fact close my account for alleging it has taken a loss in its books in giving me credits from itself I will then demand evidence under GAAP which Is owed to me per UCC 9.

I will now be forced to file a IRS Form 3949a against Navy Federal and a IRS Form 13909 if this matter isn't resolved swiftly.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I contacted Navy Federal Credit Union multiple times one date being XX/XX/24 and XX/XX/24 letting them know that I opt out of them sharing my nonpublic information with nonaffiliates like XXXX XXXX XXXX without my permission or consent. They have shared over XXXX different checking and savings accounts and over XXXX of my transactions from all XXXX accounts and their status Please see attached documents for reference.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AL)

I have an Amazon store card managed by synchrony bank and there is a charge of XXXX dollars on my credit card activity dated XX/XX/2022 and it states a balance transfer of XXXX dollars posted on my Amazon store card on XX/XX/2022 which I have NO idea where that charge came from and I never authorized that charge and I do NOT recognize that charge. Synchrony bank keeps playing with my amazon credit card account and keeps charging me money for no reason without my authorization. This is a fraudulent charge and I never purchased or authorized this charge of XXXXXXXX XXXX posted in my account on XX/XX/2022 as a balance transfer. I want synchrony bank to remove that charge immediately from my Amazon credit card account. This is an unrecognized and unauthorized charge
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OH)

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XXXX of XXXX  and that was deleted along with fraud alert.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2023, I had Navy Federal Credit Union transfer a balance from another credit card company in the amount of {$790.00}. On XX/XX/2023, I paid off that entire balance. On XX/XX/2023, I was charged interest in the amount of {$11.00} and didnt understand why. On XX/XX/2023, I called the credit union and spoke with XXXX and he stated that I was charged interest and would continue to be charged interest until my entire credit card balance was paid in full. I asked him how could that could possibly be legal. He said that I was made aware when I signed up for the balance transfer and that he would email the terms and conditions to me. I advised him that I was not made aware of any such terms and conditions and he placed me on hold because I asked him to read the information to me. He placed me on hold and was not able to provide the information and at that point, I requested a supervisor. A supervisor, who identified herself as XXXX took over the call and she said that XXXX said that he had confirmed my email address and emailed the terms and conditions and I advised her that both things were a fabrication of the facts and extremely concerning to me. I advised her that I had already filed a complaint ( XXXX ) with the CFPB regarding other fees regarding a cash advance and the credit union had requested additional time to respond. I told her that the credit union had advised me that they were confident in their position and I told her that if that was the case then I didnt understand the need for additional time to respond to the complaint. XXXX went ahead and emailed the terms and conditions to me after the fact and I asked her why that information wasnt provided to me before I received the balance transfer. She said that information was available on their website. I advised her that I had already paid the balance transfer in full and should no longer be charged interest and she said that the credit union doesnt have the ability to keep separate balances, yet they itemized three separate charges for interest for balance transfer, cash advance and purchases, so her explanation didnt make sense at all.
Consumer complaint received 2023-08-16
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. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : 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 XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (OH)

Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

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! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, PNC Bank , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Consumer complaint received 2024-03-14
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 (WV)

Explained to each company I did not request credit with them and that they were supposed to contact me personally when a credit application was submitted as I have been through a situation similar to this before and my credit report states this.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE (GA)

To Whom it May Concern : I was informed by letter that Barclays Bank has established a fraudulent account # XXXX in my name on XX/XX/2023. 

I assume this is being done by some hacker. 

I did not request nor do not I want this account. 

I want it closed immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-16
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. (CA)

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2021-10-19
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. (PA)

My name is XXXX XXXX XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (MN)

-XXXX  XXXX 2022 paid {$37.00} to comenity with my XXXX  XXXX XXXX account- have an account with credit karma that reports overdue payments for this card -I have been paying on the comenity account and should not be late- the comenity account is in an old last name, different from my current name. 
- I am using XXXX  to monitor my XXXX XXXX- It has XXXX ID alerts- I have been changing emails and passwords to try to protect myself- I am worried my son may have been a target too- I reported the 34 ID thefts to XXXX XXXX sheriff - I had a {$.00} fraudulent charge from XXXX- I called them and it was fixed - it also came out of my XXXX  XXXX XXXX account - I believe my XXXX email account was hacked because that is the main email reported on my XXXX  - 34 companies including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and more are associated with my XXXX email account - some of the accounts associated I have no memory of opening and I do not believe I did open them.