davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (SC)

When I investigated my credit report, I realized that some of the information was erroneous.Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 : {$1400.00}
Consumer complaint received 2023-05-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-02
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)

When I reinvestigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize any of the credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (WI)

XX/XX/2023 {$5700.00} Navy Federal Credit Union ( NFCU ) refused to authorize transaction. 

Talked to two females at phone number for NFCU, lied and said problem is not them. Asked to talk to supervisor of first female, second female was not supervisor and then directly contradicted me about asking to speak to supervisor, then transferred after long hold to male. Man continued with same claim problem is not NFCU, wanted to ask about why name of business on card is XXXX XXXX  XXXX, did not want to discuss, claimed I was wrong about topic of discussion, and when confronted with his problem, which all other customer service persons have problem, hung up on me. 

Called and spoke to XXXX, who although nice, claims address is different than one on statement. I have already told NFCU the business should be XXXX XXXX  not a limited liability company ( LLC ). The address listed on the statement is a post office box I no longer use, and all these people say my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX, which is wrong, the address on the statement is what is being used. 

XXXX said he was going to talk to the fraud department. After a long time on hold, he said he was still trying. 

I have issues with NFCU disputes on their credit cards. They would not do anything about them, always just say the dispute is my problem. This time around, transactions went through fine, now they falsely claim my information is not being submitted correctly in the electronic transaction. 

Spoke to someone named XXXX, had similar issues communicating, asked to speak to someone else, gave me flak about it and put me on extended hold. 

Now talking to XXXX. Claimed to be in fraud department, but had no idea what transactions I was referring. Hung up on me. 

Spoke to XXXX. Transferred me to a specialist who was unable to resolve the issue, even though XXXX told me exactly what the problem is. After difficulties communicating with this person, who XXXX claimed was able to resolve the problem, she transferred me. 

Spoke to supervisor. Most relevant complaint is NFCU purporting to offer credit, and not allowing me to use it. Talked to what sounded like an African-American lady, was sort of wise about getting me to respond. 

Plan to close card as soon as possible. Unable to change business name from XXXX XXXX XXXX to XXXX XXXX  on credit card or provide service claiming to provide.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2023-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (FL)

In XX/XX/XXXX National Recovery Agency contacted me by phone and informed me that I owed a debt of {$3300.00} for my XXXX XXXX in XXXX. There was never a piece of mail received from this company. I contacted them several times by phone and mail in an attempt to learn who is the company or the doctor that they say I owe. On the phone, I was told that information was unavailable and could not be provided. Mail was ignored, and no reply was received. Shortly after, I had a collection appear on my credit report. I have since then contacted XXXX twice by mail asking them to verify this debt, and both times I have not received any reply- just complete silence.
Consumer complaint received 2023-05-21
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: SYNCHRONY FINANCIAL (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} 01 SYNCHRONY BANK XX/XX/XXXX Balance : {$440.00}
Consumer complaint received 2017-03-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.
Consumer complaint received 2023-05-20
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. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We are sending this information to you in reference to all of the illegal, and criminal activities of the Bank of New York Mellon F/K/A The Bank of New York XXXX. 

You should know that this has been a very long and drawn out case over the years since 2007, because of multiple law firms hired by the Bank of New York consistently practicing criminal behavior maneuvers on us as well as the many courts involved for this case. Therefore, we will try to keep this complaint as short as we possibly can without injury to ourselves. 

To begin we went to the closing table with {$130000.00} of our hard earned money the day of closing not expecting to be defrauded by XXXX XXXX and their closing attorney but we were and here is how. 

1 ). XXXX XXXX XXXX XXXX, Texas was not registered with the XXXX XXXX to do business in the state of Virginia as a loan broker or to do business in any capacity with the citizens of Virginia! This is called " embezzlement '' or " theft '', either way, it is a Federal offense, criminal and not civil. 

2 ). XXXX XXXX then secured a loan for us for the remanding {$490000.00} which was attached to a Deed of Trust and Note that were Illegal and Fraudulent because these documents were filled with XXXX ( XXXX ). Same Illegal XXXX scam that DOJ, XXXX XXXX, XXXX XXXX, and The Consumer Financial Protection Bureau has been compensated for by the XXXX and has not trickled down to American Citizens such as myself to date. Therefore, we were fraud victims from the beginning at the closing table according to the law. 
Look up the U.S. XXXX XXXX Appeals Court recently ruled in a case very similar to our situation, namely in the case of " XXXX XXXX XXXX XXXX '' ; the Appeals Court opinioned : " ... XXXX cognizable injury occurred when she purchased the loan not upon payment of XXXX-affected interest. '' 3 ). We unknowingly purchased an illegal XXXX SIX MONTH ADJUSTABLE RATE LOAN, by XXXX XXXX XXXX XXXX XXXX, herein after XXXX ' ( LOAN # : XXXX ). XXXX ( now a defunct and expired corporation ) was a XXXX License holder - granted by the XXXX ( XXXX ), the creator and XXXX XXXX of XXXX. Due to the illegal 'Rigging/Manipulation ' of XXXX XXXX ( as demonstrated in the XXXX XXXX XXXX CONVICTION CASES ), all U.S./American Consumers were damaged when they signed the Notes/Deeds of Trust for these illegal financial products. 
We made several notices to XXXX XXXX, their XXXX XXXX partners, Substitute Trustees, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, et al, that the subject ILLEGAL XXXX Loan was " Void XXXX '', and therefore immediate 'Rescission ' of said loan was required. These demands were all willfully and illegally ignored by all named parties, with the assistance of the " XXXX XXXX-in-house-conspirators, et al '', who all had full knowledge of the mandates made by the U.S. Supreme Court in the " XXXX XXXX XXXX XXXX XXXX, XXXX '' decision.
Consumer complaint received 2024-02-29
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. (SC)

In accordance with the Fair Reporting Credit Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has also violated my rights. 

XXXX XXXX XXXX XXXX has also 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 an account without my written instructions.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

US Bank XXXX XXXX XXXX new checking and savings account for direct deposit from XXXX XXXX XXXX XXXX. {$5200.00} deposited XX/XX/XXXX. 

{$5000.00} cashiers check for rental deposit and XXXX rent was withdrawn and given to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX pm Deposit account ending in XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX am Withdrawal account ending in XXXX US Bank {$5000.00} " XXXX '' of the E-fraud department just shut my account and it not available to talk to me. XXXX XXXX will or can not give me any information about why my account was just suddenly shut down!!! 

My wife and I have been cyber and physically stalked by criminal synthetic identity ring for the last XXXX years egregiously. XXXX " XXXX XXXX XXXX is part of this ring that includes Armenians from XXXX XXXX, WA XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX and XXXX XXXX. All of them involved in epic real estate fraud and property tax evasion. As well as XXXX and XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX and US Bank XXXX XXXX XXXX, WA. Massive fraud. 

US Bank just closed my account today XX/XX/XXXX from the E-fraud department without XXXX explanation. XXXX XXXX of the XXXX XXXX is corrupt as well. The criminals keep closing my bank accounts, XXXX as well, illegally by employees who work for the banks. Totally corrupt making it impossible for me to survive and pay bills and build my credit back from their synthetic cyber sabotage. 

XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX, CA Full Name : XXXX XXXX XXXX Known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Related to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Associates : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Phones : ( XXXX ) XXXX Addreses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Ct, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, CA Sun XXXX, CA XXXX, CA XXXX XXXX, CA XXXX, CA XXXX XXXX XXXX, XXXX XXXX, CA XXXX Age : XXXX Occupation : Protective Service Occupations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX He is connected to the Delaware criminals that my spouse connected to XXXX XXXX from the XXXX XXXX XXXX, etc. She has connected him to the entire ring, we have sent all this information to XXXX XXXX and corrupt DOJ XXXX XXXX and FBI. My wife was gang XXXX, beaten, starved, tortured, burned held illegally for XXXX by XXXX for XXXX and uncovering this criminal ring that goes all the way up the ladder. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dignity Memorial, The XXXX XXXX XXXX, so many shell companies from Delaware  to Puerto Rico. All XXXX and verifiable. XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

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 2023-03-02
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-11
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: MIDWEST RECEIVABLE SOLUTIONS LLC (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX