davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (MD)

I enrolled in Navy Federal 's OOPs overdraft protection program and Navy Federal did not cover any of the transactions accumulated in account during the last month of enrollment. The beginning of the issue was initiated by a XXXX account that was linked to my Navy Federal account. XXXX had attempted charges multiple times on several transactions and Navy Federal charged for overdraft fees accumulating over {$600.00} for transactions that was declined and did not pay for the transactions. Just for declining the transactions. I called Navy Federal on 2 occasions and was told that while it was evident that I did have protection on my account however it was nothing that could be done because my account was due to be charged off. I asked about removing XXXX to prevent them from attempting future debits and I was advised that I should consider fraud which would be illegal for me to do considering that I linked my XXXX account and initially gave permission to XXXX. I just wanted to revoke further privileges. On both occasions, Navy Federal employees demanded I pay the money out ( {$29.00} per 26 transcations0 because I was in the wrong even with protection on my account and {$0.00} actually being paid out to cover charges. My protection was not active and I am being liable for such which is unfair practices. I have since been denied online bank statements in order to compare my details to Navy Federal. I have been a costumer of Navy Federal for over 14 years, maintained over 7 different accounts with the institution, and have never experienced once had an issue especially an accountability with them until this instance.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

CFPB along with credit reporting agencies are obviously not clearly understanding the fact that I have had to report this company over and over because they continue to report INADEQUATE information which is illegal on my credit report. The credit reporting agencies ( EQUIFAX, XXXX & XXXX simply contact XXXX and they report the information as validated when it is not accurate. CFPB has indicated that it is duplicated information when it is clearly not a duplicate if the company is still reporting erroneous information. 

I am resending a copy of the notification that I submitted that shows that what they are reporting is NOT accurate if someone takes the time to read what I am providing as documentation. XXXX reports that I owe a total of over XXXX which was initially been reported as a charge off. Now it is being reported as a delinquent account. 

The documentation shows that they originally stated that the amount owed was XXXX. XXXX reports this account as delinquent every month which should not occurs since this account was reported as a charge off.
Consumer complaint received 2023-03-07
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. (TX)

I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

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

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

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

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # 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.
Consumer complaint received 2023-03-14
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. (IN)

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 XXXXXXXX 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 2023-10-10
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A. (MO)

I had a Promotional Purchase from Home Depot for Refurbishing my bedrooms bathroom for {$10.00}, XXXX with no interest for 18 months. I had made total payments of {$5100.00} at the end of the promotional, which left a balance of {$480000.00} in XXXX XXXX  My problem is Home Depot is charging me the interest on the original purchase ( {$10000.00} ) instead on the current balance ( {$4800.00} ) as of XX/XX/. I have reached out to them on about 4 times trying to make a settlement, but each time, they have refused to settle.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (WY)

In reviewing my credit report, I noticed that I had a collection from a company called AD Astra Recovery. I attempted to reach them by telephone in XXXX of XXXX. On XX/XX/2022 I sent them a fax, as I was provided the number by the operator and told to send in a request for information as they would not release it over the phone. You can see by the attached Fax Log that the fax was sent at XXXX on XX/XX/2022 with the two pages attached. I attempted to verify the debt. Since that time, AD Astra Recovery has not provided any information nor responded to the fax. I believe that this is a violation of law and this item must be removed from my credit report immediatley.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter last XX/XX/XXXX to remove the items listed below that are 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 these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXX XXXXXXXX XXXX XXXX  account : XXXX and Equifax. I contacted the XXXXXXXX XXXX XXXX company and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-23
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. (FL)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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. (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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-23
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-25
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. (MS)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-25
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. (IL)

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, XXXX and Experian. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Hello, I will be attaching a screen shot of the unauthorized transactions that were made on my chime account to the certain merchant. There were first two transactions made that i right away disputed as i didnt recognize them as me doing them. Yet they denied my dispute claim and gave me some XXXX excuse as to why. I just gave up on appealing it so i moved on. A few days later again two other transactions to the same merchant were made on my account which i did not authorize. I again right away let chime know about it and how since they didnt handle or block the merchant since the first time i tokd them anout it now more money was stolen from me and they have the audacity to deny this second time also. Please help as this is alot of money for me to just let go like that. : ( I provided proof that someone else logged into my account from somewhere in XXXX XXXX, XXXX on both occasions when i live and was in XXXX XXXX. I have never been to XXXX XXXXXXXX XXXX  nor have any ties to that area at all.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive checked my credit report and noticed that experian still has not remove address XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX has not been removed from their database but XXXX XXXX and XXXX have removed the incorrect address Also employers XXXX  XXXX  & XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

XX/XX/XXXX Conns is reporting an alleged debt that is not true or accurate to my knowledge. They have not sent me or provided with me with proper verification under the FCRA, to prove this debt is mine. They keep quote on quote verified with the credit agencies XXXX, XXXX, XXXX They are not in compliance with the FCRA. In anyway way shape or form. 
Here is a list of violations that CONNS is reporting on my file and refuse to fix this problem that is affecting my life tremendously. 

FCRA VIOLATION and they know this. 
* CONN APPLIANCES INC Account numberXXXX  Delete this account for inaccuracy because it continues to report activity after close date XXXX They keep reporting to XXXX XXXX, yet report XXXX  to you, if a lender was to pull my XXXX for a credit application or will result denial because of this inaccuracy. Delete immediately How can this be legal and be allowed to finish my credit worthiness? 

Fair Resolution Delete
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (CA)

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX 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 2023-06-21
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account name 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