davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union allowed for a credit card to be opened in my name fraudulently. I have contacted Navy Federal Credit Union,  XXXX ,  XXXX , and   XXXX   and made them aware that this account was opened in my name fraudulently and I have not been assisted. I was the victim of identity theft and I have over the past several years had accounts opened in my name fraudulently using my correct personal information, and this account is one of them. I have written to Navy Federal Credit Union about this matter, but they continue to hold me liable for an account that was opened in my name fraudulently. I have received no assistance at all from NFCU in getting the account closed out of my name and off of my credit reports. When I have tried to call in about the accounts I have received no assistance at all. The partial account number is  XXXX   XXXX / XXXX /2017 credit limit {$24000.00} is what shows on my credit report. This is not my account and is fraudulent.
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank closed my XXXX  credit card without telling me or XXXX clothing store. When I signed on to the Comenity Bank website for the card everything looked fine, and when I placed an order for clothing on XX/XX/XXXX, XXXX had no indication that the card was closed and completed the order. On XX/XX/XXXX I received an email that there was a problem with the order, but XXXX customer service could not figure out what the problem was. They transferred me to Comenity Bank, where the staff said the account had been closed because I had not used it for at least 2.5 years. I looked up my records and told them I had last used it on XX/XX/XXXX. I asked when it was closed and they said on XX/XX/XXXX ( three days ago! ) They then said they are able to close accounts due to lack of use within 18 months. 

This is problem for me as my credit rating is excellent and having accounts closed does not look good on a credit report. I spoke to Senior Credit Specialist XXXX ( no last name ) ID number XXXX. She said the account was properly closed and could not be returned to active status. 

So to recap : account closed without any warning to customer, no indication that account is closed on website used by customer to access account, no indication to store that the credit card is exclusively used on that account is in fact closed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

It's been over XXXX  days since I asked for an initial investigation and XXXX days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and XXXX, Equifax, and XXXX refuses to address and solve my issue. This is violation of my rights according to 15 USC 1681i. Then my payments are inaccurate nor comply to 15 USC 1666 nor did I give written consent.
Consumer complaint received 2023-03-17
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: CBC Companies, Inc. (CA)

I am writing this complaint to INNOVIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes for all inaccurate information on my credit report with experian. checking my file ive noticed alot of invalid data. review the information submitted an delete all files that are inaccurate to help clean my credit report asap.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a public record of XXXX backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer XXXX years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXXXXXX XXXX and I need good credit please fix this and remove from all three credit bureaus thank you
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (MI)

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 1681XXXX XXXXXXXX XXXX  # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
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. (FL)

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX. HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2022-11-29
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-18
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

This company has no reason to exist, LEXISNEXIS RISK SOLUTIONS 1. Their records are full of errors on individuals 2. Includes information on anyone with similar names, with bad credit. 
3. It confuses credit applications and can harm people with great credit. 
4. The company professes to be a credit bureau, but it is not and is very difficult to deal with. 
5. This company has an F rating by the XXXX XXXX XXXX, with multiple complaints of the same problem! 

If you attempt to explain that they have the wrong information for another person they are unconcerned and make it very time-consuming to correct their error! 

Honest people with good credit are being damaged by this scam company
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I am writing to request the CFPB help. 

There is an invalid item being reported to the credit bureaus. The account is the following : Account information : Company : Wells Fargo.Acc ount Number XXXX Date Opened XX/XX/2013. Account has no limit reported, incorrect last payment date, incorrect closed date ( they are missing information, this is a violation under the FCRA ). 

I tried to solve this with Wells Fargo. On XX/XX/XXXX I sent them a dispute letter. 
They did not even investigate or mark the item as disputed. 

I am demanding a deletion letter, and this invalid item to be removed-. 

Please send the attached document to Wells Fargo. 

Thank you.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-03-18
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-30
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. (FL)

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. 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 2023-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I received a bank notification around XXXX on XX/XX/2023 stating there was a suspicious log-in attempt to my mobile banking account and that they would lock the mobile banking until I was able to change the password. This prompted me to check my accounts, and I noticed there were 2 bank transfers to venmo of {$1000.00} and {$6000.00} made on XX/XX/XXXX after XXXX XXXX about 15 minutes apart. I didnt recognize these transactions, so I removed my bank information from Venmo and saw that the transfers were still pending. I called my bank ( XXXX  XXXX XXXX ) the following day ( XX/XX/XXXX ) and changed my mobile banking information with the fraud specialist. The fraud specialist told me to check my email for anything suspicious and to change the password. I checked my email and didnt see any emails from Venmo notifying me of the transactions, which I thought was strange. I then checked my trash, and saw all of the emails from Venmo were in the trash. I realized someone had set a filter on my email that sent all Venmo emails to the trash. These emails stated that my venmo password was changed and that someone had added a new bank account a few hours earlier. I opened my venmo app and saw I was logged out. I was able to get back in through changing the password to both my email and my venmo account. The transfers still say they are pending. The following morning ( XX/XX/XXXX ) around XXXX, I received an email of suspicious login activity being blocked from my PayPal account. Nothing that I know of was retrieved through my PayPal account. I froze my credit the same morning. I then called XXXX  XXXX XXXX to dispute the two transfers to Venmo, and noticed three activities on my checking account processing from the very same day, XXXX XXXX  Account Verify. I then called my bank back and froze all of my accounts until further notice. I called XXXX XXXX  to report this incident and they said that someone had access to my account number and attached my bank account to their XXXX XXXX. 

Whoever hacked my email has access to information like medical records, W2 and other tax forms with my SSN along with other loan information and vehicle information. I believe they may have retrieved my email information and banking account number from Venmo.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

I have two complaints against Citibank, 1 and 2 below : 1. I deposited a check in the amount of {$2000.00} to my Citibank checking account via an ATM machine located at a Citibank branch. I deposited the check on   XXXX    XXXX , 2017, at   XXXX   XXXX   EST at the Citibank branch located   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , Florida. The check was from a local municipality from the   XXXX   XXXX   XXXX   XXXX  , Florida, which under the Expedited Funds Availability Act, the funds should have been available on the next business day after the deposit was made which was   XXXX     XXXX , 2017. On  XXXX   XXXX , 2017, the funds were not available which was a flagrant violation of the law under the Expedited Funds Availability Act. I tried contacting Citibank via their chat feature on their website, their customer service said they could not help me with my funds because the check was supposedly in a " clearing house ''. Citibank is flagrantly violating the Expedited Funds Availability Act. The funds from the check deposit from a local municipality should have been available the next business day which they were n't. I deposited the check on  XX/XX/XXXX  and the funds should have been available on   XXXX    XXXX , 2017 per the Expedited Funds Availability Act. Citibank is violating the law by not having funds available the next business day when the check deposit is from a local municipality. Citibank is instituting excessive hold times on my check deposits and have broken the law by not having my funds available for me to use.
2. In addition, Citibank charged me overdraft fees on XX/XX/XXXX  and  XX/XX/XXXX  of {$130.00} for four payments of {$2.00} each. So for {$12.00} that was charged on my account from a vendor, Citibank charged me {$130.00} in overdraft fees. During a conversation with a Citibank representative they admitted that Citibank intentionally clears the large transactions first, and the smaller transactions last. I have attached a transcript of the conversation with the Citibank representative. This has the consequence of Citibank being able to charge more overdraft fees from all the small transactions. This is an unethical business practice, as Citibank wants to be able to rack up overdraft fees by intentionally draining my account with large transactions first and smaller transactions last so that they can charge more overdraft fees.
Consumer complaint received 2023-06-15
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.