davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION (GA)

RACIALLY PROFILED BY NAVY FEDERAL CREDIT UNION!!! 
On Wednesday, XX/XX/XXXX I deposited my refund check via mobile app as I have done over SEVEN times from the SAME university ( XXXX campus ). When I called and asked them why my money wasnt deposited in the normal two business day wait, I was told that it was being held under suspicion of fraud. I asked why all of a sudden as a XXXX woman, am I being accused of suspicion of fraud when I have deposited MULTIPLE checks from the SAME school several times before?? The supervisor ( I asked to speak to one because I was not getting a straight up answer ), said its determined by security so I asked to speak to them, but of course they didnt have an extension. 
I was racially profiled for fraudulently depositing a check and no one could explain why my funds are delayed.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :
Consumer complaint received 2024-03-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-14
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. (OH)

I have filed over XXXX reports to the CFPB against transunion & XXXX 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.
Consumer complaint received 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I received notice that Aidvantage received my XXXX application on XX/XX/XXXX and I have yet to hear back anything. I applied via studentaid.gov and self-certified my income. I have emailed Aidvantage to inquire about my status and have not gotten a reply. On XX/XX/XXXX I received a confusing email stating it was too soon to recertify my IDR. I wasnt asking to do that? This better not have been a denial. I make very little money right now and in no scenario do I not qualify for the {$0.00} SAVE payment with no interest. 
This is the second time in a row I have had to make a CFPB complaint as the first time the company also neglected to tend to my application. A few days afterwards I was put on an IDR plan and forbearance and told to re-file to apply to SAVE. Here we are again. 
I need to know what is going on and need my account looked at. Thank you
Consumer complaint received 2023-10-28
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. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MI)

I have a target red card credit card. I owe {$30.00} on the card. It was not aware of my pay date. My account went 30 days late I'm not denying it I have 100 % pay credit rating with target. It just slipped my mind but I never once get a email statement or a paper statement I gets pictures of all the mail that comes to my home I called the post office to see if they can track the mail but they said if they don't have a tracking number on it the mail couldn't be track but that's neither here nor there I haven't been receiving statements from target nor email and I have screenshots to prove it I asked them what could I do to prove to them that I haven't received anything they stated nothing that they had to report accurately and that was 30 days late which I don't deny but had I had notification that a bill was due I would have paid it
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC. (GA)

I recently received a copy of my credit report and found proof that Caine & Weiner is illegally reporting inaccurate information about me. The following alleged collection account is listed as being open. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report.
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (NJ)

I'm am in the process of refinancing a mortgage Information submitted by my previous servicer Rushmore loan management services LLC are incorrect.also Rushmore has received funds on my behalf from the state of new Jersey erma program and did not apply to my balance.The erma program paid my arrears but Rushmore added a false foreclosure charge of {$2400.00} when in fact there was no foreclosure due to the fact the erma contacted Rushmore that the arrears were being paid by the state which is illegal.also another charge of {$6600.00} was added on for taxes and insurance when in fact those are included in my mortgage payments.also Rushmore recently transferred my mortgage from their LLC to themselves while reporting information to credit bureau causing my credit to drop XXXX XXXX while I was current.Last but not least after the erma program paid my mortgage payment in XXXX of {$1000.00}. Rushmore increased my payment to {$1500.00} which is illegal and a breach in mortgage contract
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

Aidvantage is reversing my auto pay payments toward my loans stating my bank number is invalid but they have taken two prior payments with my bank and now I have missed my due date. I have been told this issue would be resolved and it has not. If this continues it will ultimately impact my payment history on my credit score as well as increase the interest due. The company needs to straighten this out as I am not the only one experiencing this issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-12-22
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. (VA)

TransUnion failed to properly investigate erroneous information on my account. 
XXXX XXXX  Delete the bankruptcy. 
XXXX Deleted the bankruptcy. 
XXXX deleted the bankruptcy. 
Only TransUnion insisted that they have no intention to delete and they are refusing to produce the documents that proof it is my Bankruptcy.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AAA Auto Title Loans, LLC (NV)

Cash 1 Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with XXXX and XXXX results came back stating that Cash 1 reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}
Consumer complaint received 2021-07-12
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: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX I received a possible fraud alert on my cell phone. The suspected fraudulent charge was an online purchase with XXXX. 
Knowing that I had not initiated any online purchase with XXXX, I immediately contacted both the credit card company ( Chase ) and XXXX about the fraudulent charge. XXXX was able to disclose to me that the charge originated in Arizona ( I live in Massachusetts ). 

Today ( XXXX XX/XX/2021 ) I received notice from Chase that they were denying my fraudulent charge claim. I contacted Chase fraud services to ask why they denied my claim and were instead including the charge I was informed that the reason was " because I had previous on-line purchases with XXXX ''. 

Today I sent a response back to Chase fraud services showing them my XXXX on-line transaction history. I have not had any XXXX purchases since XXXX XX/XX/2021. 

What is alarming, and should also be concerning to the CFPB and other Chase credit card customers, is that this reasoning puts all credit card users at risk for fraudulent on-line purchases. The mere fact that a consumer has made on-line purchases in the past should not be justification to deny a fraud claim. If this is allowed to continue, then it is imperative that all credit card users that make on-line purchases be made aware of the added risk they are incurring. 

Please help protect the on-line purchaser from credit card fraud.
Consumer complaint received 2023-01-07
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)

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theyve already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2021-01-19
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. (CA)

i have been a victim of identity theft, today XX/XX/2021 i got an alert stating my socre dropped so i decided to look into my credit reports. i noticed 2 accounts that are not familar to my credit history or transactions i have made or authorized. please see attached Federal trade commission identity theft report i filed
Consumer complaint received 2023-10-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

I got a return check and my retail card was instantly closed and marked as a late payment even though theres sufficient funds and I made another payment a few days later to suffice. 

I made a {$60.00} payment on a card with a balance of {$410.00}. The payment apparently didnt go through even though theres a XXXX XXXX in checking. I caught it and paid a few days after that. This is for a retail card through Synchrony. I called the bank and they basically have no record of the first payment. 

I called to reason with Synchrony and the person on the other end did not speak my native language so it was hard to level with them. I have been paying the card on time for over a year and was about to pay it off soon its 0 % interest. They claim I got a return check even though I paid it two days later, have been paying it on time for over a year, and then just closed my account. So now its my fault even though theyre the ones with technical difficulties.
Consumer complaint received 2023-02-02
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific 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 : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

there are multiple items that are on my credit report that are inaccurate. These accounts were never opened by me and I can verify that these companies do not have any valid documents stating that these accounts belong to me.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 usc1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1681a- definitions ; rules of construction- exclusion. - except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making report ; 15 usc 1666B : A creditor may not treat a payment on a credit account under and end consumer credit plan as late for purposes.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

Paypal, for sometime now, does not have the correct protocols and safeguards in place to protect those that subscribe to their service. There have been numerous times where individuals from overseas and elsewhere have gotten access to my accounts ( accounts are under : XXXX and XXXX ) and made purchases, charges, debt requests and the like. Paypal has yet to address these ongoing issues and it is unsafe to use. Please address asap. 

Charges from XXXX for an individual in North Carolina who used my name, charged {$37.00} to my card on file. Paypal did not want refund said monies, but they individually they did after I, somewhat, fought with them A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$500.00} ( see attached ) XXXX XXXX charged {$150.00}, an unauthorized charge, Paypal refunded surprisingly A XXXX XXXX, of whom I don't know, requested {$540.00} ( see attached )
Consumer complaint received 2017-05-15
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. (MD)

I filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.