davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

Used Navy Federal Credit Union 's ( NFCU ) Bill Pay ( AKA " Check Free '' ) to send a donation to my church on XXXX XXXX XXXX Bill Pay sent a {$480.00} check in US Mail to my church. The check was stolen from the Church 's mailbox. The check was altered and cashed. Church filed a police report. I have copy of the altered check. Filed Affidavit as NFCU provided. It has been eight months since this happened. I've communicated with NFCU Bill Pay over 100 times to no avail. I have not received my {$480.00} returned. All above is properly documented and available. 

In short, in every attempt to get answers from NFCU, I am asked to call them and am promised I will hear something soon. I never hear back. I wrote to the CEO of NFCU. To no avail. I filed complaint with FTC. 

After 8 months, as of today, XXXX, I received the exact same response to call NFCU and discuss. I've spent hours upon hours on the phone with NFCU and their Bill Pay/Check Free. I am not told what they are doing to help me. They won't tell me when or if I will have my money returned.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (NY)

i don't know where these XXXX hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX phone number XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXXXXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX  XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-22
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'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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report :
Consumer complaint received 2024-03-27
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

{$5000.00} was fraudulently transferred out of my First Horizon Business banking account XXXX on XX/XX/XXXX to someone in XXXX. I become aware of this when I became victim to other Identity Theft crimes in early XXXX. I contacted First Horizon to open a claim and they were unhelpful and did not assist at all. This is a serious matter and they were unwilling to assist in any way.
Consumer complaint received 2017-07-18
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: AMERICAN EXPRESS COMPANY (TX)

During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.
Consumer complaint received 2024-03-22
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 writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$38.00} ; XXXX XXXXXXXX Balance : {$67.00}.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (OH)

A credit card was opened in my name from Truist bank with {$9200.00} past due balance. I did not open this line of credit or use the credit for purchases. It is fraudulent
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION (NY)

On XX/XX/2020 I received 2 phone calls from XXXX at my work number ( XXXX ) XXXX and 2 calls from ( XXXX from Automotive Credit Corp ) on my cell ( XXXX ). These all occur first thing in the morning when I am working. I returned the call around XXXX on my lunch and left a VM to let them know that they are not to call my work phone number ( XXXX ) as my boss got the message and was not happy. I was given a verbal warning. On XX/XX/2020 I again received 2 calls from XXXX ( XXXX from Automotive Credit Corp ) at my work number and also 2 calls from them on my cell. I then sent them an email which I got from their website and which I asked them again not to contact me at the work number. About an hour later a friend of mine who I listed on the loan papers as a reference received a call from XXXX ( XXXX ) who told XXXX I was behind in payment and that she needed a number to reach me at. XXXX then called me and asked that I remove her information from the file. I also requested that. Now on XX/XX/2020 I again receive 2 calls on my cell phone and one at my work number which my boss was lucky enough to get. He then gave me a final written warning and explained no more personal business calls at work. I have not included the emails sent to them or the write up as it may need to be used in court and I do not wish to provide them anything until after I speak to an Attorney.
Consumer complaint received 2023-06-15
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. (WY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

Subject : Urgent Request for Removal of Fraudulent Account and Debt from Credit Report Dear Sir/Madam , I am writing to bring to your attention a critical matter regarding fraudulent activity associated with an account created under my name without my consent. I recently discovered that an unauthorized Citi Custom cash card was obtained and utilized fraudulently, resulting in a total outstanding balance of {$4700.00}. I must emphasize that I did not apply for this card, nor do I have any banking relationship with CitiBank. 

As a victim of identity fraud, I kindly request your immediate assistance in addressing this issue promptly and thoroughly. I ask that you take the necessary steps to remove all traces of this fraudulent account from my credit report, as it is negatively impacting my financial standing. 

Please note that this request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers. Under the FCRA, it is crucial to rectify any inaccuracies or discrepancies on my credit report, particularly when they involve debts that are not mine. I kindly request that you expedite the resolution of this matter to ensure the accurate and fair representation of my credit history. 

While I have not provided a credit report at this time, I assure you that the fraudulent account in question is causing significant distress and financial hardship. I am prepared to provide any necessary documentation or information required to assist with the investigation and resolution of this matter. 

I understand that investigating and resolving such matters can be time-consuming and complex. However, I urge you to prioritize this case due to the substantial financial impact it has on my creditworthiness and personal well-being. I kindly request that you keep me updated on the progress and provide me with a written confirmation once the fraudulent account and debt have been removed from my credit report. 

I appreciate your attention to this urgent matter and look forward to a swift resolution. Should you require any additional information or have any questions, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and cooperation. 

Sincerely Yours.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-03-22
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. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>