davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

My account has been negative and I have also been charged returned check fees or overdraft fees when there was no money in my account for anything to go through. I called to make the changes to my account to ensure this would not happen in the future. However they have repeatedly let companies I asked to be blocked, to charge my card. The policy Im quoted is that they can only forgive my account a certain amount of times within a month. I have not received the money back and over a few years those fees build up. Even when they investigate sometimes its over turned and I literally didnt spend the money.
Consumer complaint received 2022-12-22
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated 05-19-2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue.

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Consumer complaint received 2022-12-22
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. (GA)

Dear CFPB, I am filing complaints against the big three credit bureaus Experian, XXXX, XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. 
The erroneous information is still in my file although they said it was removed. 
Please see the attached correspondences. 

XXXX. In reference to the Public Records issue, I contacted the third-party entities who didnt have my permission to relayed the inaccurate information. As of XX/XX/2022, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, confirmed my Permanent Opt-Out, see the attached letters. Experian, XXXX, and XXXX claim to have completed investigations as of these dates listed and confirmed & verified the Public Record as of XX/XX/XXXX, for XXXX, XX/XX/XXXX, XXXX and XXXX XXXX, for Experian. The Public Record is indeed inaccurate, had the credit bureaus completed an actual investigation they would have confirmed this. Please delete this from all three credit files and reports. 
XXXX. Experian is erroneously reporting that I have a spouse or co-applicant man named XXXX. Not only am I not married, but I am not nor have I ever been a XXXX or XXXX. This is outrageous and libelous. Please deleted this from my report and file. 
XXXX. Please deleted the fraud statements from all three credit bureaus and files. 
XXXX. Please delete the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX XXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please delete the incorrect & outdated employers : XXXX never worked for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

Experian, XXXX, and XXXX have been asked previously to make these changes but havent done so to date and has adversely affected my overall credit status and score.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NY)

There is a collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.
Consumer complaint received 2023-08-31
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)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my account is showing 30days late and is not 30 days late. says its late for the month of XXXX XXXXnd payments are due on the XXXX of each moth
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX  ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-12-21
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: AUTOMOTIVE CREDIT CORPORATION (NY)

Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me
Consumer complaint received 2022-12-21
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. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-21
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. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-27
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: BARCLAYS BANK DELAWARE (TX)

I filed a dispute in XXXX against Barclay Card for a fraudulent charge of XXXX. I had to do it here and they are awful and will not respond normal ways. It " worked '' and they found in my favor since I never made the charge. I did not trust them, however. After that I attempted to use their online " close my account '' link to downgrade my acct to a no annual fee or even to close it but they said I had to call. I just stopped using my card. 
Today they sent me a new bill for THE SAME XXXX CHARGE THEY ALREADY FOUND I DID NOT MAKE! 
There is no end to their deceit. 
I want this charge removed. I want them sanctioned. And I want my account CLOSED and a refund of my annual fee. I do not want to speak to them again. EVer. I will be publicly posting their deceit and also reporting this to XXXX XXXX for their review of partners.
Consumer complaint received 2023-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

CCS collection services ( Progressive ) is wrongfully charging me {$360.00}. The bill should be sent to XXXX XXXXXXXX XXXX.They are the ones that own the vehicle not me. The vehicle was in the impound. The {$360.00} bill should be sent to XXXX XXXX XXXX because they are the owners of the vehicle.
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (NY)

I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
Consumer complaint received 2023-06-17
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. (MI)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NC)

I obtained a credit card through a bike shop named XXXX XXXX XXXX to finance a new bicycle interest free for a year. The shop manager assured me there would be no interest for a year. The credit line is called 'Comenity-Trek Bikes. I have always paid on time and met the 1 year deadline in the past but now Comenity is fraudulently charging me {$910.00} interest for a previous purchase in which the bike has already been paid for within a year and assessing interest charges on a bike I just bought. These types of cards and credit lines are routinely offered at bike shops and and are good deal only if paid off within a year and I would never use such a card for anything else. For charging me any interest at all violates the terms with myself and the bike shop. Even their website prominently advertises, " Interest free for 12 months ''. So far interest charges are reaching {$930.00}. Please help!
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ewing & Ewing Attorneys, P.C. (AZ)

I have been dealing with XXXX XXXX XXXX and their representatives, Ewing & Ewing for over 7 years on a debt they purchased for pennies on the dollar. InXX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from Ewing & Ewing proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX, as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
Consumer complaint received 2016-08-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (LA)

This is the XXXX complaint I am submitting against Embrace Home Loans. The XXXX complaint was Case Number : XXXX. I have not received my corrected XXXX on my Mortgage Interest from XX/XX/XXXX through XX/XX/XXXX and no monthly loan statements. The response from XXXX XXXX XXXX XXXX on behalf of Embrace Home Loans was worse than XXXX XXXX in that they have me with a XXXX mortgage. I have been requesting that the Resolution Department at XXXX XXXX XXXX XXXX review my proof of payments and resolve the balance dispute. Embrace Home Loans and XXXX XXXX 's Attorney XXXX verified receipts through XXXX XXXX, she did not give a balance on her report. I a current and paid through XXXX XXXX and Embrace Home Loans Mitigation Department not their Resolution Department has contacted a XXXX XXXX, Louisiana Attorney who sent me a Warning Foreclosure Letter. I have responded to that letter. Please see attached.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-03-26
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX